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1. Retakaful Arrangements: Details of any reinsurance/retakaful arrangements, included when the policy involves significant risks requiring reinsurance

2. Risk Management Requirements: Specific risk management protocols required of the insured, included for high-risk or complex contractual arrangements

3. Special Conditions: Any special terms or conditions specific to the insured's business or industry, included when standard terms need modification

4. Surplus Distribution: Terms for distribution of insurance surplus in accordance with Takaful principles, included when policy follows mutual insurance model

5. Cross-Border Provisions: Special provisions for contracts with international elements, included when coverage extends beyond Saudi Arabia

6. Sanctions Clause: Compliance with international sanctions, included when dealing with international trade or parties

1. Schedule 1 - Premium Calculation: Detailed breakdown of premium calculation, including any variable factors

2. Schedule 2 - Covered Contracts: List and details of specific contracts covered under the policy

3. Schedule 3 - Claims Documentation Requirements: Detailed list of documents required for different types of claims

4. Schedule 4 - Risk Management Protocols: Specific risk management procedures and requirements

5. Appendix A - Claim Forms: Standard forms for claim submission

6. Appendix B - Policy Endorsements: Any modifications or endorsements to the standard policy terms

7. Appendix C - Contact Information: Key contact details for claims, customer service, and emergencies

8. Appendix D - Shariah Compliance Certificate: Documentation of Shariah board approval and compliance assessment