The contribution and / or Tabarru` deduction for my medical plan were just revised last year. Why is it revised again this year?

Every year, we review our medical portfolio claims experience as part of our role in managing the Tabarru` Fund. Increase in medical cost and usage of medical plans, have been found to be amongst the top reasons for the increase in claims experience. This annual review is necessary to make sure that the Tabarru` Fund continues to be sustainable to keep paying for your medical needs.

As part of our commitment to you, we continue to work collaboratively with healthcare providers and other stakeholders to manage medical costs effectively. The medical costs, however, have been rising faster than expected and has impacted the long-term sustainability of the Tabarru` Fund. We periodically review the need for adjustments and due to this, there is a need for us to revise the Tabarru` deduction for your medical plan again this year.