Amãna Takaful introduces KruthaGuna, an insurance cover designed to take care of your elderly loved ones hospitalisation. It gives you the peace of mind to spend time with them, to love them and care for them. KruthaGuna provides you with financial security and much needed support in times of need

Download Proposal

KruthaGuna gives you…

  • Hospitalisation Expenses
  • Ambulance Service
  • Home Nursing
  • Wheelchair Grant

Hospitalisation with No Sub-limits and Event limits

KruthaGuna is a simplified one year cover that has been made worthwhile at times of difficulty.

  • No Sub-limits – Claims paid on total bill submitted
  • No Event Limit - Have the Sum Covered* at your disposal when you need it most at Registered Private or Government Hospitals.

Home Nursing

Many of us would like to give the best care available to our elders at home. This cover provides for Home Nursing, following hospitalisation, so that you can relax knowing they are in good hands.

Pre-existing Waived Off

We understand that pre-existing ailments such as Pressure, Diabetes and others have always been a bane in opting for an insurance cover. For the first time in Sri Lanka, Amãna Takaful has come forward to waive-off pre-existing ailments from the 2nd year onwards.

Wheelchair Grant

This policy takes another step further in helping you purchase a wheelchair for your loved one if the need arises, giving them the comfort they need.

Tests and Drugs Allowance (Government Hospitals)

Hospitalisation is not without the extra expenses. We pay for,

  • Medical tests
  • Medicinal Drugs


This policy is for those from the age of 55 until 73 years after which policyholders can renew cover each year for life.

Sum Covered and Premium

KruthaGuna is available in 3 schemes,

Sum Covered Rs.100,000/- Rs.200,000/- Rs.300,000
(All Inclusive)
Rs.15,000/- Rs.30,000/- Rs.45,000/-

* Above benefits are subject to exclusion and other conditions.


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