Eligibility

All individuals aged between 18 and 55 years 

Mode of Payment

• Direct payment by cash or cheque;
• Bank standing instruction;
• Salary deduction

Distribution of Contribution

• A major proportion of the contribution will be credited into the Participant's Account (PA) as savings towards hajj;
• The balance will be credited into the Participants' Special Account (PSA) as "tabarru" for the payment of death benefits. 

Benefits

On Maturity ;

The total amount in the Participant's Account plus profit sharing;

The net surplus allocated to  the Participants' Special Account based on the last actuarial valuation.

On Death ;

• The total amount in the Participant's Account plus profit sharing;
• The total future contributions payable from the date of death to maturity date of the Plan under the PSA.

On Surrender;

• Payment of the amount in the Participant's Account plus profit sharing.