Protect your ADCB Islamic Banking Credit Card payments with Takaful Credit Shield

With the Takaful Credit Shield facility on your ADCB Islamic Banking Credit Card, you don't need to worry about the unforeseen.

0.9345%

Monthly nominal premium

100%

of Sum Insured

24 hour

worldwide cover

Keep in mind

New: Customers enrolled into the scheme are eligible for Complimentary (Free) Life cover including Natural Death and Top-Up Life cover.
Although only Primary cardholder is covered for the benefits under this insurance, the credit card spend by supplementary cardholder is also covered.
The premium billed is on the total credit card outstanding and will reflect on your monthly credit card statement.

Benefits

Involuntary Loss of Employment: 10% of credit card account outstanding balance or credit limit whichever is lower, but not exceeding AED 4,000/- for each month of the primary credit card holder’s unemployment and the total period of such indemnity shall not exceed 12 months from the date of actual unemployment.

Natural Death & Permanent Total Disablement due to sickness: 100% of Sum Covered subject to the maximum indemnity limits of each type of card.

Accidental Death and Permanent Total Disablement (accident): 100% of Sum Insured subject to the maximum indemnity limit of each type of card.

Critical Illness: 100% of the sum covered subject to the maximum indemnity limit of each type of card.

Top Up Life Cover: In addition to the above benefits in case of Death by Any Cause (either natural or accidental causes) the Company shall pay to the certificate holder or any named beneficiary the maximum indemnity limits set of each type of card.

Additional benefits

Enjoy complete control of your card transactions and set spend limits with the Card Control feature through the ADCB Mobile App.

Policy Coverage	World/ Infinite	Platinum	Gold/Rewards	Classic
Natural Death/Total & Permanent Disablement due to Sickness	AED 200,000/-	AED 100,000/-	AED 75,000/-	AED 50,000/-
Accidental Death/Total & Permanent Disablement due to Accident	AED 200,000/-	AED 100,000/-	AED 75,000/-	AED 50,000/-
Critical Illness	AED 200,000/-	AED 100,000/-	AED 75,000/-	AED 50,000/-
Top-Up Life Cover	AED 200,000/-	AED 100,000/-	AED 75,000/-	AED 50,000/-
Involuntary Loss of Employment	In the event of involuntary Loss of employment of the primary Cardholder after the Commencement Date and during the Policy Period of Takaful Insurance, the Company shall pay 10% of credit card account as at Date of Event or credit limit whichever is lower but not exceeding AED 4,000/- for each month of the primary credit Cardholder’s unemployment payable and the total period of such indemnity shall not exceed 12 months from the date of actual unemployment.

Eligibility

	Death, Disability & Critical Illness Benefit	Involuntary Loss of Employment (ILOE)
Minimum Age at Entry	18 Years	18 Years
Maximum Age at Entry	69 Years	59 Years
Maximum Age at Claim	70 Years	60 Years

Convenience

On enroling for Credit Shield you will be charged a monthly nominal premium of 0.9345% (includes Value Added Tax (VAT) at the rate of 5%) of your total credit card outstanding balance. The premium billed will reflect on your monthly credit card statement.

Example: If your credit card outstanding balance for any given month is AED 10,000. Your Takaful Credit Shield premium for that month will be AED 95

Claim procedure

The credit card holder or his/her beneficiary should contact Abu Dhabi National Insurance Company
Tel.: 02 408 0100 Fax: 02 626 8600, toll free no. 8008040/,or
Send an email to ConsumerLinesClaims@adnic.ae or mail_insurance@adcb.com
Upon receipt of claim notification, ADNIC would register the claim, allocate & advice a claim number and required documents.

Please click here to print the claim form

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Other ways to apply

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Call our 24-hour contact centre on 600 50 2030.

Call our 24-hour contact centre on 600 50 2030.

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SMS 'SHIELD' to 2626 from your registered mobile number.

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^{Credit Cards} Takaful Credit Shield