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  • Superannuation
    • Super 1
      • Superannuation

        Become an Islamic Superannuation member and receive a $100 welcome gift card.

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        Superannuation

        Focusing on a brighter future for Australian Muslims by removing that evil from their super. Interest.

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      • Invest with Hejaz

        It’s ridiculously easy to start making a difference to your wealth. You just need to start somewhere.

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  • Halal ETFs
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      • Australia's first Sukuk ETF on ASX

        Easy to buy, halal and ethical etf for you to invest in.

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      • Refinance with Hejaz
        and get $600 cashback*

        It's Easy and Halal!

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    • Hayat 1
      • Hayat Protection

        Protecting everday Muslim Australian's and families.

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Hejaz Financial Services

Critical Care

Lump-sum payment if you become permanently disabled.

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Entry Age (next birthday)

16 YEARS

expiry age

Expiry Age

55/65/70 YEARS

cover level

Maximum Cover Level

$5,000,000

We provide the hope for a better tomorrow

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Have you considered how you’ll replace lost income, or cover the expenses of lifestyle adjustments, if you were to ever suffer a serious injury or sickness? This could change your lifestyle completely.

Critical Care Protection cover can make sure your lifestyle is covered if an unpredictable event happens.

Covering you in bad times

reimbursement

Financial Planning Reimbursement

Covers any financial advice costs up to $3,000 to assist with managing or investing your claim payment for death or terminal illness.

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TPD Benefit

Provides you with a lump sum benefit if you become totally and permanently or partially and permanently disabled and:

  • are unable to work or
  • are unable to perform domestic duties or
  • suffer total or partial disablement that prevents you from performing a number of every day activities.
flexible

Premium Freeze

Gives you the flexibility to keep your premium the same each year by reducing your sum insured.

partial disability

Partial and Permanent Disablement

Provides you with a lump sum benefit equal to the lesser of $750,000 or 25% of your sum insured, should you suffer the permanent loss or use of one arm, one leg or sight in one eye.

Ahmed’s story

We covered and protected everyone

The right advice, at the right time, provides the right cover when accidents strike.

Check it out
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Ahmed is 45 and works as a carpenter for a small furniture company that makes bespoke pieces. His boss suggested to all his staff members that they should look to take out insurance cover so in the event that anything happened to their health or they had a serious injury at work, they would be protected financially.

Ahmed talked to a financial adviser who suggested that due to his trade he be covered with Critical Care Protection cover.

In 2014, Ahmed was involved in a car accident and lost his right arm and his fingers which rendered him unable to perform his job. Fortunately Ahmed had a Critical Care Protection benefit as part of his family protection policy which paid him a lump sum of $445,207 shortly after he was discharged from hospital. Ahmed was single at the time of the accident and couldn’t rely on anyone to help him financially during this extremely difficult time.

Receiving the lump sum claim payment meant that Ahmed was able to afford his medical bills including paying for an Occupational Therapist. He was also able to employ builders to make modifications to his house. These alterations, plus some home help during the week, were only possible because of the claim payment.

Best of all for Ahmad, the Critical Care Protection lump sum payment ensured he could continue to support himself and live comfortably in his house without having to move.

* This is an example only to illustrate the potential benefit of taking out Critical Care Protection, and should not be relied upon as indicative of benefits payable under the Total and Permanent Disablement benefit.

Let us help you see what’s possible

Unforeseen tragedies such as illness, permanent disability, even death can leave you and your family facing tremendous emotional stress. Critical Care Protection cover will provide genuine hope for you if an unpredictable event happens.

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Give your family the protection they deserve

Schedule a call and our expert will help you find the right protection tailored to your needs

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Hejaz Financial Services © 2023 / All Rights Reserved

Hejaz Capital Pty Ltd ABN 44 161 857 478 T/As Hejaz Financial Services is a Corporate Authorised Representative of Hejaz Financial Advisers Pty Ltd ABN 49 634 683 613 AFSL 517686

Australia Head Office

Level 11, 2 Queen Street, Melbourne VIC, 3000

Post Address : PO Box 96, Flinders Lane VIC, 8009

Indonesia Office

Sampoerna Strategic Square, GoWork 12th Floor North Tower, Jl. Jend Sudirman Kav.45, Jakarta Selatan, 12930

Important Information

*Halal loans are loans that follow the principles of Islamic finance, which prohibit charging or paying interest (riba) and engaging in unethical or speculative transactions.

The information provided is for general purposes only. It does not take into account your personal circumstances. Past performance is not indicative of future performance. Please consider the PDS and TMD located at www.hejazfs.com.au. The information is not an offer or recommendation to make any investment or adopt any investment strategy. You should consider the appropriateness of the information and seek professional advice tailored to your needs before making any financial decisions.

The information is believed to be accurate and current at the time of publication. While all care has been taken in the preparation to ensure the information is correct, it can change from time to time. There is no representation or warranty that any of the information is accurate or complete. To the maximum extent permitted by law, Hejaz Financial Advisers Pty Ltd and its employees, officer, and related entities do not accept any liability for loss arising from any reliance placed on the use of this information.

Hypotheticals, illustrations and examples on the websites are provided for illustrative purposes only. They should not be relied on by individuals when they make investment decisions.

Past performance information is not a reliable indicator of future performance and Hejaz Financial Advisers does not guarantee the performance of any financial products. Any reference to past performance on the website is intended to be for general illustrative purposes only.

All files and information contained in this Website are copyright by Hejaz Financial Advisers, and may not be duplicated, copied, modified or adapted, in any way without our written permission.

Trustees of superannuation funds have a legal responsibility to make certain documents and disclosures available to members. Hejaz Islamic Super & Pension is issued by Equity Trustees Superannuation Limited (ABN 50 055 641 757), as Trustee of AMG Super (ABN 30 099 320 583) (Fund) and is available from a division of AMG Super called Hejaz Islamic Super & Pension. For more information about the Trustee, as well as the Trustee’s prescribed disclosures including board and executive remuneration, please visit the Trustee’s website and see the fund page. The Trustee’s Privacy Statement can also be found on the website.

Information about the Fund’s Annual Member Meeting and Annual Member Outcomes Statement(s) can also be found on the Trustee’s website as they become available.

Hejaz Islamic Super & Pension is a Division of AMG Super. The PDS (link to PDS) and TMD (link to TMD) are issued by Equity Trustees Superannuation Limited (AFSL 229757, RSE Licence No L0001458) as Trustee of AMG Super. A person should consider the information in the PDS and the other important information (including the Members Guide) which form part of the PDS. The Hejaz Islamic Super & Pension PDS contains all information on our super investment options and fees.

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