Surplus Sharing is the sharing of underwriting surplus and investment income between takaful operator and participants at the end of certificate period following an agreed sharing ratio.

This surplus sharing is applicable to takaful certificates issued by Etiqa Takaful and shall be payable once Etiqa Takaful announces its financial result preceding the expiry of the certificate.

Kindly click Download for more information about Surplus Sharing and Payment Instruction Form.