PENGIRAAN TAKAFUL KEBAKARAN/PEMILIK RUMAH & TAKAFUL

GADAIJANJI & ANGGARAN BAYARAN BALIK BULANAN

HSBC AMANAH TAKAFUL (MALAYSIA) SDN. BHD.

BAHAGIAN PINJAMAN PERUMAHAN, PERBENDAHARAAN MALAYSIA

SILA MASUKKAN SEMUA MAKLUMAT YANG BERKENAAN DENGAN BETUL

Umur Harijadi Terhampir :

Jantina :

Nilai Penuh Hartanah (S & P) : RM

Jenis Bangunan :

Status Bangunan :

Pinjaman Dipohon : RM

Tempoh Pinjaman : Tahun

PENGIRAAN TAKAFUL KEBAKARAN & TAKAFUL GADAIJANJI & ANGGARAN BAYARAN BALIK
BULANAN

Tempoh Takaful : 1 Tahun

Sumbangan Takaful Empunya Rumah: RM #N/A

Sumbangan Takaful Gadaijanji : RM

Jumlah Perlindungan Takaful : RM

Anggaran Bayaran Balik (Bulanan) : RM

Nota:
- Tempoh bayaran balik tertakluk kepada Tempoh Pinjaman.
- Jika rumah telah siap, bagi Takaful Kebakaran, Tempoh Pinjaman perlu +1 dan Tempoh Rumah Siap ialah 0 tahun.
- Jika rumah dalam pembinaan, Tempoh Pinjaman mengikut tempoh sebenar dan Tempoh Rumah Siap ialah 2 tahun.
 Takaful Mortgage Protector Quotation
Version 1.6 (TMP)

Select the Plan Type: Takaful Mortgage Protector

Financing Reference Number: 123456789

(Please key-in all items with green colour only) Sum Covered Table

Sum Covered Additional

Calculation date : 30-Dec-1899 DD/MM/YYYY Year Amount Benefit
Prepared by : Agent 006 1 10,000 1,000
Branch Name : BKT #N/A

Proposer's Details

Name :
Gender : 0
NRIC : 888888-05-8888
Date of Birth : 30-Dec-1899 DD/MM/YYYY
Age Nearest Birthday : 0
Invalid age…Valid age = 18 to 65

Financing Details

Financing Amount : 100,000

Financing Rate % : 4.00%
Payment Type : Financing
Financing Period : 1 years
Deferment Period : 0 years
Extra Loading % : 0.00%

Contribution Details

Takaful Mortgage Protector

Loading Takaful Contribution : #VALUE!
Takaful Contribution : #VALUE!
Initial Sum Covered : #VALUE!
Period of Takaful : 1 years
Notes : #REF!
Notes:
a) This quotation assumes that the proposer has no medical or
health impairments, occupational risk or habits that may require
additional loading on the contribution. For proposals that are not
pre-approved, the Takaful Contribution is subject to HSBC Amanah
Takaful (Malaysia) Sdn. Bhd. final approval.
b) Subject to the terms and conditions as specified in the
Group Master Certificate.
c) This quotation also assumes that all information provided for this
computation are correct, accurate and not misleading.

This product is managed by HSBC Amanah Takaful (Malaysia) Sdn. Bhd. (Company number 731530-M)

Version 1.6 (TMP)

 PRE-APPROVAL OF TAKAFUL MORTGAGE PROTECTOR
PRA-KELULUSAN TAKAFUL MORTGAGE PROTECTOR

pon payment of contribution as

00-Ja n -1900
mula apabila sumbangan

tion subject to there being no

giraan Sebut Harga tersebut

uhi risiko-risiko, kadar-kadar

Tarikh: …………………………

N OLEH JURUJUAL)

the Quotation is the same as the

maklumat dalam Sebut Harga

Tarikh: ……………………….
 KEY FEATURES DOCUMENT

Takaful Mortgage Protector (TMP)

This document is designed to highlight what HSBC Bank Malaysia Berhad (the Bank) consider are the key points you
should know before you purchase the above Takaful product. We recommend that you keep this document for future
reference. This document is a summary only and not a comprehensive restatement of all relevant terms on which the Bank
have arrange for such protection under the Certificate between the Bank (Master Certificate Holder) and HSBC Amanah
Takaful (Malaysia) Sendirian Berhad (the Takaful Operator). You will be issued with a certificate by the Takaful Operator
on your coverage. The terms are contained in the Master Certificate issued by the Takaful Operator to the Bank, which
shall be conclusive in interpreting the terms of the coverage.

What is TMP?
TMP are decreasing term Takaful plans that cover your housing loan / home financing outstanding with the Bank. Additionally, any
surplus from the Takaful fund will be shared between the Participants and the Takaful Operator on a ratio of 20:80. Takaful
Operator will calculate the surplus annually and pay the accumulated amount, if any, to the Participant at the end of the takaful
period.

What does TMP cover?

TMP pays off your housing loan / home financing outstanding with the Bank in the event of Death or Total and Permanent Disability (TPD)
based on the Reducing Sum Covered in the Takaful Schedule.
An additional benefit equal to 5% of the initial Reducing Sum Covered (up to a maximum of RM10,000 per life), shall be payable in the event
of Death or TPD.
Upon Death, the Reducing Sum Covered (death benefit) will be payable in one lump sum to the Bank.
Upon TPD, the Reducing Sum Covered will be payable to the Bank in 2 instalments as follows:-
● 1st payment of the Reducing Sum Covered equal to 12 monthly instalments of the loan repayment
● 2nd payment will be the balance Reducing Sum Covered payable after 12 months from when the 1st Reducing Sum Covered payment is
made.
In the event of Death before the 2nd payment, the balance Reducing Sum Covered will be payable in one lump sum.
The Reducing Sum Covered payable is based on the Schedule of Coverage at the beginning of each year in the year the claim arises as stated
in the Takaful Schedule.
An additional benefit equal to 5% of the initial Reducing Sum Covered (up to a maximum of RM10,000 per life) shall be payable in the event
of Death, TPD or first time diagnosis of any of the above Critical Illnesses.
Upon Death or first time diagnosis of a Critical Illness, the Reducing Sum Covered will be payable in one lump sum to the Bank.
Upon TPD, the Reducing Sum Covered will be payable to the Bank in 2 instalments as follows:-
● 1st payment of the Reducing Sum Covered equal to 12 monthly instalments of the loan repayment
● 2nd payment will be the balance Reducing Sum Covered payable after 12 months from when the 1st Reducing Sum Covered payment is
made.
In the event of Death or diagnosis of a Critical Illness before the 2nd payment, the balance Reducing Sum Covered will be payable in one lump
sum.
The Reducing Sum Covered payable is based on the Schedule of Coverage at the beginning of each year in the year the claim arises as stated
in the Takaful Schedule.

What about exclusions (i.e. coverage which is not provided by the Takaful certificate) ?
The exclusions are as follows:-

Coverage Exclusions
Death • Suicide within one year of commencement of cover.
Total and Permanent Disability (TPD) • Any attempted suicide or self-inflicted injury while sane or insane
• Any riot, civil commotion, strikes or terrorist activities.
• TPD due to pre-existing condition during the ninety (90) days preceding the date of
the commencement of Takaful coverage.
• Any service in armed forces in a war (whether declared or undeclared).
• Aviation except as fare paying passenger in a commercial aircraft licensed for
passenger service on a scheduled flight over an established route.
• Any drug and/or alcohol abuse except for those under medical advice.
• Any participation in any dangerous sporting activity or hobbies (i.e. hang-gliding, sky-
diving, bungee jumping, hunting, mountaineering, racing).
• Any racing other than on foot.
How to safeguard your Takaful certificate benefits?
Step 1
First of all, you should inform your next of kin that you have purchased a TMP certificate or mention it in your will and keep your
certificate documents in a safe place. In the unfortunate event that a claim arises, the first step is to contact any HSBC Bank
Malaysia Berhad branch or the Takaful operator and obtain a claim form.
Step 2
Please complete the claim form and send it back to HSBC Bank Malaysia Berhad. This will be submitted to the Takaful operator
concerned. Please comply strictly with the requirements of the claim form to avoid unnecessary delay.
Step 3
The Takaful operator concerned will liaise with your branch account. The takaful benefit amount payable will be paid to your
branch of account for the settlement of your housing loan/home financing outstanding with the Bank. Any excess amount will be
paid to you or to your estate (as applicable).

Important Notice!
1. If you settle your housing loan / home financing earlier than scheduled and accordingly terminate the Takaful certificate, you
will get back less than the amount of contribution you have paid. However, you can also continue with the coverage until its
expiry.
2. Should there be shortfall between the takaful benefit amount and your housing loan / home financing outstanding with the
Bank, the amount shortfall will be recovered from you or your estate.
3. Please note that this document is for reference only and does not constitute professional advice. You should refer to the Master
Certificate for the exact terms and conditions.

This product is managed by:-

HSBC Amanah Takaful (Malaysia) Sdn. Bhd. (731530-M)
3rd Floor, Wisma Hamzah Kwong Hing
No. 1, Leboh Ampang
50100 Kuala Lumpur
Tel: 03-2096 5200; Fax: 03-2031 8976; Toll Free : 1-800-88-9659
 KEY FEATURES DOCUMENT

Takaful Mortgage Protector Plus (TMP Plus)

This document is designed to highlight what HSBC Bank Malaysia Berhad (the Bank) consider are the key points you
should know before you purchase the above Takaful product. We recommend that you keep this document for future
reference. This document is a summary only and not a comprehensive restatement of all relevant terms on which the Bank
have arrange for such protection under the Certificate between the Bank (Master Certificate Holder) and HSBC Amanah
Takaful (Malaysia) Sendirian Berhad (the Takaful Operator). You will be issued with a certificate by the Takaful Operator
on your coverage. The terms are contained in the Master Certificate issued by the Takaful Operator to the Bank, which
shall be conclusive in interpreting the terms of the coverage.

What is TMP Plus?

TMP Plus are decreasing term Takaful plans that cover your housing loan / home financing outstanding with the Bank.
Additionally, any surplus from the Takaful fund will be shared between the Participants and the Takaful Operator on a ratio of
20:80. Takaful Operator will calculate the surplus annually and pay the accumulated amount, if any, to the Participant at the end of
the takaful period.

What does TMP Plus cover?

TMP Plus pays off your housing loan / home financing outstanding with the Bank in the event of Death or Total and Permanent Disability
(TPD) based on the Reducing Sum Covered in the Takaful Schedule. It will also settle your housing loan / home financing outstanding with
the Bank if you are diagnosed for the first time during the Takaful period to be suffering from any of the 36 Critical Illness listed below
which commenced more than 30 days from date of issuance of the Takaful certificate and before the expiry of the Takaful period:-
• heart attack • heart valve replacement • major burns • loss of independent
• stroke • coma • major head trauma existence
• cancer • paralysis/paraplegia • terminal illness • encephalitis
• coronary artery • multiple sclerosis • benign brain tumor • apallic syndrome
disease, • kidney failure • Parkinson’s disease • poliomyelitis
• AIDS due to blood • fulminant viral hepatitis • chronic liver disease • medullary cystic disease
transfusion
transfusion • primary pulmonary arterial • chronic lung disease • cardiomyopathy
• surgery to aorta hypertension • motor neurone • muscular dystrophy
• major organ transplant • blindness disease • aplastic anaemia
[kidney, lung(s),
[kidney, liver,liver,
lung(s), heart or • loss of hearing/deafness • Alzheimer’s disease • bacterial meningitis.
boneheart
marrow]
or bone marrow] • loss of speech • brain surgery

An additional benefit equal to 5% of the initial Reducing Sum Covered (up to a maximum of RM10,000 per life), shall be payable in the
event of Death, TPD or first time diagnosis of any of the above Critical Illnesses.
Upon Death or first time diagnosis of a Critical Illness, the Reducing Sum Covered will be payable in one lump sum to the Bank.
Upon TPD, the Reducing Sum Covered will be payable to the Bank in 2 instalments as follows:-
● 1st payment of the Reducing Sum Covered equal to 12 monthly instalments of the loan repayment
● 2nd payment will be the balance Reducing Sum Covered payable after 12 months from when the 1st Reducing Sum Covered payment is
made.
In the event of Death or diagnosis of a Critical Illness before the 2nd payment, the balance Reducing Sum Covered will be payable in one
lump sum.
The Reducing Sum Covered payable is based on the Schedule of Coverage at the beginning of each year in the year the claim arises as stated
in the Takaful Schedule.

What about exclusions (i.e. coverage which is not provided by the Takaful certificate) ?
The exclusions are as follows:-

Coverage Exclusions
Death • Suicide within one year of commencement of cover.
Total and Permanent Disability (TPD) • Any attempted suicide or self-inflicted injury while sane or insane
• Any riot, civil commotion, strikes or terrorist activities.
• TPD due to pre-existing condition during the ninety (90) days preceding the date of
the commencement of Takaful coverage.
• Any service in armed forces in a war (whether declared or undeclared).
• Aviation except as fare paying passenger in a commercial aircraft licensed for
passenger service on a scheduled flight over an established route.
• Any drug and/or alcohol abuse except for those under medical advice.
• Any participation in any dangerous sporting activity or hobbies (i.e. hang-gliding, sky-
diving, bungee jumping, hunting, mountaineering, racing).
• Any racing other than on foot.
 Coverage Exclusions
Critical Illness • Any illness diagnosed prior to the commencement date of Takaful coverage
(CI) • Coronary Artery Bypass surgery if the Participant had diagnosed of “Heart
Attack” prior to the Commencement Date of Takaful coverage.
• Any injury or illness caused by self-inflicted injuries.
• Any service in armed forces in a war (whether declared or undeclared).
• Aviation except as fare paying passenger in a commercial aircraft licensed for
passenger service on a scheduled flight over an established route.
• Any drug and/or alcohol abuse except for those under medical advice.
• Any participation in any dangerous sporting activity or hobbies (i.e. hang-
gliding, sky-diving, bungee jumping, hunting, mountaineering, racing).
• Any racing other than on foot.
• This Critical Illness coverage is effective only after 30 days from the date of
issuance of Takaful certificate.

How to safeguard your Takaful certificate benefits?

Step 1
First of all, you should inform your next of kin that you have purchased a TMP Plus certificate or mention it in your will and keep your
certificate documents in a safe place. In the unfortunate event that a claim arises, the first step is to contact any HSBC Bank
Malaysia Berhad branch or the Takaful operator and obtain a claim form.
Step 2
Please complete the claim form and send it back to HSBC Bank Malaysia Berhad. This will be submitted to the Takaful operator
concerned. Please comply strictly with the requirements of the claim form to avoid unnecessary delay.
Step 3
The Takaful operator concerned will liaise with your branch account. The takaful benefit amount payable will be paid to your
branch of account for the settlement of your housing loan/home financing outstanding with the Bank. Any excess amount will be
paid to you or to your estate (as applicable).

Important Notice!
1. If you settle your housing loan / home financing earlier than scheduled and accordingly terminate the Takaful certificate, you
will get back less than the amount of contribution you have paid. However, you can also continue with the coverage until its
expiry.
2. Should there be shortfall between the takaful benefit amount and your housing loan / home financing outstanding with the
Bank, the amount shortfall will be recovered from you or your estate.
3. Please note that this document is for reference only and does not constitute professional advice. You should refer to the Master
Certificate for the exact terms and conditions.

This product is managed by:-

HSBC Amanah Takaful (Malaysia) Sdn. Bhd. (731530-M)
3rd Floor, Wisma Hamzah Kwong Hing
No. 1, Leboh Ampang
50100 Kuala Lumpur
Tel: 03-2096 5200; Fax: 03-2031 8976; Toll Free : 1-800-88-9659