Hong Leong Takaful

HONG LEONG MSIG TAKAFUL (MALAYSIA)
FAMILY TAKAFUL – INDIVIDUAL

a) HLM TAKAFUL I-CASH
HLM Takaful i-Cash does not only allow you to enjoy financial savings and protection but provides you
with an additional annual income from the 3rd anniversary of your certificate year. An additional
financial source will come in handy at a time when you might welcome the extra income.
Unbelievable as it seems this exclusive and unique feature is yours to enjoy right up to the age of 65.
With the right takaful scheme such as HLM Takaful i- Cash,
BENEFIT OF HLM TAKAFUL I- CASH:
 Enjoy supplementary income every year
We will provide an Annual Cash Payment of 5% of your Sum Covered from the 3rd anniversary of your
Certificate year.You may enjoy this annual income as long as there are sufficient amount in your
Participant's Account (PA).
 Financial assistance on death or disability
We will ensure your continued financial security by paying the amount of your sum covered and the
balance in your PA either to your beneficiary upon your Death or to you in the event of Total and
Permanent Disability (TPD).
 Ease of payment
We accept contribution payment in monthly, quarterly, half yearly or yearly mode.
 Accumulated savings
The earlier financial planning is started, the better possibility there is of growing your savings over time.
When your Certificate matures or if you request to surrender your Certificate, you will receive the
accumulated amount in your PA.
 Minimum contribution and payment term
Contributions are payable throughout the coverage term with minimum monthly basic contribution of
RM60.00.
SHARIAH CONCEPTS APPLICABLE
 TABARRU’
Tabarru' or Takaful donation is in the form of participative contribution whereby a Participant willingly
donates a percentage of his/ her contribution into a pool of fund known as the Participants' Risk Fund
(PRF).
This Tabarru' shall be deducted from the PA on a monthly basis and will be donated into the PRF. The
amount of Tabarru' deducted is dependent on the Sum Covered, attained age of the Person Covered,
Person Covered's occupation and medical rating (if any).
It is from this PRF where benefits will be paid to Participant(s) who is entitled to the Sum Covered in the
event the Person Covered dies or suffers TPD.
WAKALAH FEE
Wakalah Fee is our administration fee that is deducted from the Contributions to pay for the
management of Takaful funds as well as for distribution of commissions.
Wakalah fee, which depend on the term of the certificate, ranges from 7.5% to 83% of the contributions.
ALLOCATION OF CONTRIBUTIONS
The remaining balance of Contribution after deducting Wakalah Fee is then allocated into the PA
according to the Certificate year of Contributions.
Contributions are allocated according to the certificate year. The allocation to PA ranges from 17% to
92.5% of the contributions.
HOW CONTRIBUTIONS IN THE PA BE INVESTED
The accumulated amount in the PA shall be invested in instruments that are Shariah compliant and in
accordance to Shariah principles. Any investment profits shall be kept in the respective funds.
HOW ARE SURPLUSES, IF ANY, FROM THE PRF BEING TREATED
Any surplus exceeding reserves shall be shared between you and HLM Takaful based on the ratio of
50:50.
WHAT HAPPENS IF THE PRF IS INSUFFICIENT TO PAY FOR THE BENEFITS?
HLM Takaful will provide a benevolent loan (Qardh) to ensure continued solvency of the PRF to pay the
benefits. This loan will be repaid in time from emerging surpluses that may arise in the PRF in
subsequent periods.
Notes: The above tabarru' donation rate and wakalah fee are of current rate. HLM Takaful may change
the rates by giving three (3) months written notice to the Participants before the Certificate anniversary.
ELIGIBILITY
Duration of Contract Minimum: 10 years

Maximum: up to age 65
Entry Age
(Next birthday) Minimum: 30 days
Maximum: 55 years’ old

Maximum expiry age: 65 years old
Sum Covered Minimum: RM15,000

Maximum: subject to underwriting limit or up to RM 2 million per participant
HOW DO I PARTICIPATE IN THIS SCHEME ?

You are required to fill up the Proposal Form. We will then underwrite your application.
You may be required to provide additional information or to do a medical examination which the cost
shall be paid by us.
Exclusions to the coverage.
No benefit shall be paid if:

 Death is due to or arising from suicide or attempted suicide and/or other causes prohibited by
civil and criminal laws. Under such circumstances, only the value of your PA at the time of Death
will be payable.
 TPD due to AIDS or the influence of intoxicants.
For full details of the exclusion list, please refer to your Certificate contract.
Notes:
 Hong Leong MSIG Takaful Berhad is registered under the Takaful Act 1984 and is regulated by
Bank Negara Malaysia.
 TPD shall only cover up to Participant's age of 65 years next birthday.
 For cases of ceasing contribution, your Certificate will remain in force, as long as there is
sufficient amount in your PA to cover for the tabarru'. The Certificate shall lapse if the PA
amount is insufficient to cover for your tabarru'.
 You should satisfy yourself that the scheme best serves your needs and the contribution is an
amount you can afford.
 You should provide sufficient and accurate information to enable us advise you on the suitability
of the product, taking into consideration the appropriateness of the product to your needs and
circumstances.
 The benefits of the investment fund will be based on the actual performance of the fund and it
is not guaranteed.
 The investment risk of the investment fund will be borne solely by the Certificate owner and the
benefits may be less than the total contributions contributed to investment fund.
b) HLM TAKAFUL I-CARE AL-AMIN
a regular contribution investment-linked plan that is designed smartly with the sole intention of
helping you plan for your child’s education. It offers complete protection, even before birth, and at
the same time builds an education fund that will meet key educational milestones.
This investment-linked takaful certificate ("ILT") offers combination of takaful protection and
investment. It pays lump sum death benefit (i.e. the Sum Covered) if you die / or totally and
permanently disabled during the term of the certificate and the value of the investment units, at the
time of claim.
The value of the ILT depends on the price of the underlying units, which in turn depends on the
performance of your chosen fund.
SHARIAH CONCEPTS APPLICABLE
 Tabarru' - a certain portion of the Contribution that the Participant agrees to donate upon
occurrence of events approved by Shariah Committee of the Operator, thus enabling him to
fulfil his obligation of mutual help and joint guarantee should any of his fellow Participants
suffer a defined loss where his donation is meant to help others and others’ donations are
meant to help him.
 Iltizam bi Al-Tabarru' - commitment to make Tabarru'.
 Wakalah - essentially an agent-principal relationship, where the Operator acts as an agent on
behalf of the Participants to manage the Participant’s Risk Fund (“PRF”) and Partipant’s
Investment Accoutt “PIA” on the Participants’ behalf and the Operator earns Wakalah Fee for
services rendered.
 Wakalah Bi Al-Istithmar - agency contract for an investment activity whereby the Operator acts
as an agent (wakil) to the Participants to invest their Contributions accordingly. The Operator
will not be entitled to any profit or bearing any loss. However, the Operator is entitled to be
remunerated based on the fixed percentages of Account Value, as per the rates set out as Fund
Management Fee(s) in the Schedule, for managing the fund(s).
 Ju’alah - an agreement in which the Participant promises to reward the Operator for its
achievement or good performance in managing the PRF that leads to surplus to the PRF.
WHAT ARE THE COVERS/ BENEFITS PROVIDED UNDER i-CARE AL AMIN?
In the event of death or total and permanent disability (TPD) of the Person Covered during the term
of the certificate, basic sum covered plus account value will be payable.
IS THERE ANY OPTIONAL RIDERS ATTACHABLE TO THIS PLAN?
Yes, currently there are 4 riders available to be attached to i-Care Al-Amin as below:

 Baby Care Rider* - Start saving for your child’s education as early as 18 weeks of your pregnancy
with Baby Care rider and enjoy protection! *This rider is compulsory for certificates for unborn
babies.
BEFORE BIRTH AFTER BIRTH

BENEFITS DEATH OF FOETUS DEATH OF CHILD CONGENITIAL
CONDITION
TIME OF DURING UP TO 30 DAYS OF COVERAGE UP TO 2
OCCURRENCE PREGNANCY DELIVERY YEARS AFTER BIRTH
AMOUNT PAYABLE RM10,000 RM10,000 RM20,000
 Payor Care or Top-up Care Rider - Secure your child’s education even if you die or suffer TPD.
This would ensure that the future contributions of your certificate would be paid until expiry of
this rider.
 Junior Critical Illness Rider - Provides coverage against juvenile critical illness3 and it evolves to
36 critical illness once your child attains age 16 years.
 Hospital Income Benefit 2 Rider - In the event that your child is hospitalised, the rider will
provide daily income during hospitalisation.
HOW WILL YOUR CONTRIBUTIONS IN THE PIA BE INVESTED?
 Your contributions, after deducting Wakalah Fee, will be used to buy units in the Participant’s
Investment Account (PIA). The PIA has 3 funds, which are HLTMT i-Income Fund, HLTMT i-
Balanced Fund and HLTMT i-Equity Fund from which you can choose to invest.
 The units are purchased at the Unit Price of respective funds on the day contributions are
allocated.
 The Unit Price of funds will fluctuate daily and is dependent on the performance of the
underlying assets at the end of each market day for each of the fund. The Unit Price may go up
or it may go down depending on the investment performance of the funds.
 As you choose the funds for which your contribution is to be invested in, you will assume the
responsibility for the risk for your investments
WHAT ARE THE FUND CHOICES AVAILABLE?
HLM Takaful Funds are Shariah-approved funds and they are managed by a team of professionals who
strive to provide the best returns to the participants’ investment in accordance to the investment
objectives for each of the funds. Investments will be valued on a daily basis and its daily net asset value
(NAV) will be published on HLM Takaful corporate website. The investment funds have the following
objectives:
FUNDS FUND OBJECTIVES

HLTMT i-iNCOME HLTMT i-Income Fund aims to preserve your
capital and generate stable income by investing
mainly in Islamic debt securities and to a certain
degree in equities. This fund is most suitable for
participants with low to moderate risk appetite
and tolerance and medium to long term
investment horizon.
HLTMT i-BALANCED HLTMT i-Balanced Fund targets medium to long-
term capital growth as well as generating regular
income through various investment portfolios
which contain a mixed balance of Islamic debt
securities and equities. This fund is geared for
participants who are looking for a mixture of
safety, income and modest capital appreciation
with moderate to high risk tolerance and medium
to long term investment horizon.
HLTMT i-EQUITY HLTMT i-Equity Fund targets long-term capital
growth through investments in Shariah-compliant
securities of listed companies. This fund is
suitable for those who have a high-risk appetite
with long-term investment goals.
HOW MUCH CONTRIBUTION DO I HAVE TO PAY?
The total contribution that you have to pay may vary depending on the sum covered multiple and
underwriting requirements of the Operator.
The Operator allocates a portion of the contribution to purchase units in the investment-linked fund
that you have chosen. Any unallocated amount will be used to pay wakalah fees, which include
commissions to agents and other expenses of the Operator. You are advised to refer to the allocation
rates given in the benefit illustration.
For unborn child application, you are required to pay additional RM 500 of single contribution for Baby
Care Rider. The contribution after deducting Wakalah Fee will be channelled into PRF.
WHAT ARE THE FEES THAT I HAVE TO PAY?

 The tabarru' charges are deducted monthly from the value of your units. The tabarru' charges
will increase as you grow older. Details of tabarru' charges and other charges for the ILT are
given in the benefit illustration.
 The tabarru' charges are not guaranteed. The Operator reserves the right to vary the tabarru'
charges by giving 3 months prior notice. Please note that past trends of increases in tabarru'
charge do not necessarily reflect the future trend.
 The Wakalah Fee is an upfront charge on the contribution paid and is used to meet takaful
operator's expenses and direct distribution cost, including commissions payable to the agency.
 Other charges information are as follows:
Type Amount
Administration Fee* RM 60 per year
Surrender Charge* RM 50 per surrender
*The charges are still subject to Goods and Services Tax (“GST”)
WHAT ARE SOME OF THE KEY TERMS AND CONDITIONS THAT I SHOULD AWARE OF?
 Importance of disclosure - you must disclose all material facts such as medical conditions, and
state your age correctly.
 Free look period - you may cancel your ILT by returning the certificate within 15 days after the
certificate has been delivered to you. The Operator will refund to you the unallocated
contributions, the value of units that have been allocated (if any) at unit price at the next
valuation date and any tabarru' charge and certificate fee that have been deducted less any
medical fee incurred.
 Grace Period – Thirty (30) days of grace period from the subsequent Contribution Due Date are
allowed for the payment of a subsequent Contribution. If Contribution remains unpaid at the
end of this grace period, the Takaful Certificate may lapse, subject to the Account Value of the
Takaful Certificate.
 It may not be advantageous to surrender or replace an existing takaful certificate with another
certificate, as you may be subject to new underwriting requirements, e.g. full waiting period etc.
under the new takaful certificate.
Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions
under this certificate.
WHAT ARE THE MAJOR EXCLUSION UNDER THIS CERTIFICATE?
 Suicide - if death was due to suicide or arising from suicide or attempted suicide and/or other
causes prohibited by civil and criminal laws and/or by Shariah. Under such circumstances, only
the value of your PIA at the time of death will be payable.
 AIDS - TPD is due to AIDS or the influence of intoxicants.
 Alcohol - if death or TPD is due to influence of alcohol, narcotics or misuse of drugs.
 War - death or TPD due to war, invasion, act of foreign enemies, hostilities or war-like
operations, civil war, mutiny.
Note: This list is non-exhaustive. Please refer to the takaful certificate for the terms and conditions
under this certificate.
CAN I CANCEL MY CERTIFICATE?
Participating in a regular contribution ILT is a long-term financial commitment. It is not advisable to hold
this certificate for a short period of time in view of the high initial costs. If you find that the fund that
you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed to
switch fund anytime you want without any imposed charge.
APPENDIX:
1. The basic coverage is effective 31 days after birth. In the event of death or TPD of Person
Covered happened from commencement date to 30 days after birth, the amount payable shall
be your account value
2. The 15 Congenital Conditions covered are:
Absence of Hand, Absence of Foot, Anal Atresia, Atrial Septal Defect, Congenital Blindness, Congenital
Cataract, Congenital Deafness Congenital Diaphrahmatic Hernia, Down Syndrome , Tetralogy of Fallot ,
Oesophageal Astesia , Spina Bifida, Trachea-oesophageal Fistula, Transposition of Great Vessels, Truncus
Arteriosus
3. The Juvenile Critical Illnesses (before your child attaining age 16 years old) covered are:
Bone Marrow Transplant, Brain Surgery, Death due to Hand, Foot and Mouth Disease,
Glomerulonephritis with Nephrotic Syndrome, Insulin-dependent Diabetes Mellitus , Intellectual
Impairment due to Accident or Sickness , Kawasaki Disease with Heart Complications , Leukaemia,
Neuroblastoma , Rheumatic Fever with Valvular Impairment , Severe Asthma , Severe Autism , Severe
Epilepsy , Severe Juvenile Rheumatoid Arthritis , Tuberculous Meningitis , Viral Encephalitis
4. For the list of 36 Critical Illness covered after your child attaining age 16 years old, you may
refer to your certificate.
5. For Baby Care rider, the payment frequency is one-off i.e. single contribution. The contribution
after deducting Wakalah Fee will be allocated in PRF.
c) HLM Takaful i-Salam

HLM Takaful i-Salam is an affordable Term Takaful product that offers high level of protection for 10
years . HLM Takaful i-Salam is a standalone term plan that provides a lump sum payment upon Death or
Total and Permanent Disability (TPD), whichever earlier, prior to expiry
WHAT ARE THE SHARIAH CONCEPTS APPLICABLE?
 tabarru'
Tabarru' means a certain portion of the Contribution that the Participant agrees to donate upon
occurrence of events approved by Shariah Committee of the Takaful Operator, thus enabling him to
fullfill his obligation of mutual help and joint guarantee should any of his fellow Participants suffer a
defined loss where his donation is meant to help others and others’ donations are meant to help him.
 Iltizam Bi Al-Tabarru’
Iltizam bi Al Tabarru’ means the commitment to make Tabarru’.
 Ju'alah
Ju’alah means an agreement in which the Participant agrees to reward the Takaful Operator for its
achievement or good performance in managing the Participants' Risk Fund (PRF) that leads to surplus to
the PRF. Any surplus from the PRF is to be shared between the Participant and the Takaful Operator in
the ratio of 50:50 respectively.
 Wakalah
Wakalah means essentially an agent-principal relationship, where the Takaful Operator acts as an agent
on behalf of the Participants to manage the PRF on the Participants’ behalf and the Takaful Operator
earns Wakalah Fee for services rendered
WHAT IS THE CONTRIBUTION PAYMENT MODE?
You can pay the contribution on annually, half-yearly, quarterly or monthly basis.
HOW CAN I PAY THE CONTRIBUTION?
You can pay your contribution by Credit card or Debit card via Standing Instruction (SI).
WHAT ARE THE MIN AND MAX SUM COVERED OFFERED?
The minimum Sum Covered is RM100,000 and the maximum Sum Covered is RM500,000.
WHAT IS THE MIN AND MAX ENTRY AGE FOR THIS PRODUCT?
The minimum entry age is 18 years old and the maximum entry age is 65 years old, age next birthday.
WHAT IS THE MAX EXPIRY AGE FR THIS PRODUCT?
The maximum expiry age is 75 years old, age next birthday.
DO CUSTOMER NEED TO GO FOR MEDICAL CHECK UP?
No medical check-up is required for this product.
CAN I RENEW MY CERTIFICATE AFTER 10 YEARS?
Yes. This Certificate offers option to renew for another period of 10 years without underwriting upon
expiry of this Certificate, provided that there is no breach of all or any conditions governing this
Certificate and as herein contained and as may be endorsed in the Certificate.
WHO WILL RECEIVE THE DEATH BENEFITS UPON MY DEATH?
You can choose who will receive the Benefit upon your death by filling in a Nomination form. Your
Certificate will state whether you have already nominated a person to receive the Benefit. If you have
not nominated anyone, please complete the Nomination form which can be obtained from the Takaful
Operator's head office and send it to the Takaful Operator immediately.
WHAT ARE THE COVERS/BENEFITS PROVIDED?
 Death: In the event of death of the Person Covered,the death Benet(s) payable shall be the Sum
Covered as per Schedule. Notwithstanding anything herein to the contrary, for payment of
death Benet, death must occur before the Expiry Date. Takaful certificate term for 10 years
 Total Permanent Disability (TPD) up to certicate anniversary after attaining age 65: The TPD
Benet payable under this Certicate shall be the Sum Covered as per Schedule. Notwithstanding
anything herein to the contrary, the coverage for this plan shall be up to the certicate
anniversary date after the Person Covered attained the age of 65 years old. Takaful certificate
for 10 years
WHAT ARE THE MAJOR EXCLUSIONS UNDER THIS CERTIFICATE?

 No Death Benefit shall be payable if: Death is due to suicide within twelve (12) months from the
Entry Date
 No TPD Benefit shall be payable if: Influence of alcohol, narcotics or misuse of drugs,
Participating in or training for any hazardous or dangerous sport, War, invasion, act of foreign
enemies, hostilities, civil war or civil commotion & Pre-Existing Condition
d) HLM TAKAFUL I-CARE HASANAH
Taking care of those you love is something that is important to you. You work hard to make sure they
have everything they need but have you thought about what may happen to them if something
unfortunate happens to you? At Hong Leong MSIG Takaful (HLM Takaful), we understand that you
would want the best for your future well-being. Introducing HLM Takaful i-Care Hasanah – a regular
contribution investment-linked plan that is designed with the intention of helping you plan better for
your financial needs and also to protect you and your family. It offers both protection and financial
support to help you go through life challenges with less difficulties.
This investment-linked takaful certificate ("ILT") offers combination of takaful protection and
investment. It pays lump sum death benefit (i.e. the Sum Covered) if the Person Covered dies / or totally
and permanently disabled during the term of the certificate and the value of the investment units, at the
time of claim. The value of the ILT depends on the price of the underlying units, which in turn depends
on the performance of your chosen fund.
WHY I-CARE HASANAH?
 Early Financial Planning via Investment Funds – You may choose to invest in our
available investment funds i.e. HLTMT i-Income Fund, HLTMT i-Balanced Fund and
HLTMT i-Equity Fund, and you can also maximize your investment allocation through
regular top-up or ad-hoc top-up.
 Enjoy a short contribution payment term of 8 or 10 years.
 Living Assistance Care Rider – You may opt for this rider that will provide you with fixed
yearly Living Assistance Payouts according to your needs.
 Payor Care or Top-Up Care Rider– You may opt for these riders to ensure the certificate
for your loved one continues to be in force until maturity should you suffer Total and
Permanent Disability or die.
 Additional Coverage – you may opt to optimize your protection by attaching Hospital
Income Benefit 2 Rider that provides daily income if you are hospitalized.
 Tax Relief – This plan may qualify you for tax relief, subject to the final decision of the
Inland Revenue Board.
 Tabarru' - a certain portion of the Contribution that the Participant agrees to donate upon
occurrence of events approved by Shariah Committee of the Operator, thus enabling him to
fulfil his obligation of mutual help and joint guarantee should any of his fellow Participants
suffer a defined loss where his donation is meant to help others and others’ donations are
meant to help him.
 Iltizam bi Al-Tabarru' - the commitment to make Tabarru'.
 Wakalah - essentially an agent-principal relationship, where the Operator acts as an agent on

behalf of the Participants to manage the Participant’s Risk Fund (“PRF”) and Partipant’s
Investment Account (“PIA”) on the Participants’ behalf and the Operator earns Wakalah Fee for
services rendered.
 Wakalah Bi Al-Istithmar - agency contract for an investment activity whereby the Operator acts
as an agent (wakil) to the Participants to invest their Contributions accordingly. The Operator
will not be entitled to any profit or bearing any loss. However, the Operator is entitled to be
remunerated based on the fixed percentages of Account Value, as per the rates set out as Fund
Management Charge(s) in the Schedule, for managing the fund(s).
 Ju’alah - an agreement in which the Participant promises to reward the Operator for its
achievement or good performance in managing the PRF that leads to surplus to the PRF.
WHAT ARE THE COVERS/ BENEFITS PROVIDED?
In the event of death or total and permanent disability (TPD) of the Person Covered during the term of
the certificate, the amount payable would be according to the option you choose:
Option A: The higher of Sum Covered or Account Value
Option B: The total of Sum Covered and Account Value
Upon maturity of the certificate, the Account Value shall be payable.
OPTIONAL RIDERS ATTACHABLE TO THIS PLAN. i-Care Hasanah provides the best protection for you or
your family.
 Living Assistance Care Rider - This rider provides yearly payouts with the minimum amount of
RM 600, according to the option that you have chosen.
The precious moments that we indulge in with our family form our most pleasant memories. Imagine if
you could enjoy these moments without worrying about the rising cost of living and the unexpected cost
of fixing your car or child’s university entrance fee, etc. An annual living assistance payout could make a
difference here. A smart decision today can go a long way in ensuring that the life you want for your
family, would indeed become a reality. Keeping this in mind, HLM Takaful brings to you the Living
Assistance Care, a rider that provides you a stream of annual living assistance payout. You also enjoy
coverage for the entire certificate term, thereby protecting you and your family from further financial
difficulties.
Benefits of the living assistace care rider:

-Plan ahead for a worry free retirement
-Provide you with financial assistance – You will receive an annual payout starting from the end of the
first certificate year or at the end of your contribution payment term until the end of coverage term.
 Hospital Income Benefit 2 Rider - In the event that you or your child is hospitalised, the rider
will provide daily income during hospitalisation.
 Payor Care or Top-up Care Rider - Secure your child’s or your spouse’s certificate even if you die
or suffer TPD. This would help ensure continuity of their certificates until maturity.
ELIGIBILITY:
Entry Age* of the Person Covered: Minimum: As early as 30 days old
Maximum: 65 years old
Entry Age* of the Participant: Minimum: 16 years old
Maximum: 65 years old
Payment Frequency: Monthly, quarterly, half-yearly & yearly
Certificate Term: 20 years
Contribution Payment Term: 8 or 10 years
Minimum Contribution: RM 50 monthly
WHAT ARE THE FEES THAT I HAVE TO PAY?
 The tabarru' amounts are deducted monthly from the value of your units. The tabarru' amounts
will increase as you grow older. Details of tabarru' amounts and other charges for the ILT are
given in the benefit illustration.
 The tabarru' amounts are not guaranteed. The Operator reserves the right to vary the tabarru'
amounts by giving 3 months prior notice. Please note that past trends of increases in tabarru'
amounts do not necessarily reflect the future trend.
 The Wakalah Fee is an upfront charge on the contribution paid and is used to meet takaful
operator's expenses and direct distribution cost, including commissions payable to the agency.
 Other charges information are as follows:
Type Amount
Monthly Service Fee* RM 5 per month

Surrender Charge* RM 50 per surrender
*The charges are still subject to Goods and Services Tax (“GST”)
WHAT ARE THE MAJOR EXCLUSIONS UNDER THIS CERTIFICATE?
 AIDS - TPD is due to AIDS or the influence of intoxicants.
 Alcohol - if death or TPD is due to influence of alcohol, narcotics or misuse of drugs.
 War - death or TPD due to war, invasion, act of foreign enemies, hostilities or war-like
operations, civil war, mutiny.
Note: This list is non-exhaustive. Please refer to the takaful certificate for the full list of exclusions under
this certificate.
e) HLM Takaful i-Care Rahmat
WHAT IS I-CARE RAHMAT?
i-Care Rahmat is a regular contribution Takaful investment-linked plan which provides protection and
savings in one plan. This plan provides coverage for Death, TPD and OAD benefit. To enhance your
coverage, we have a range of riders which are attachable to this plan. The bonus units will be payable as
a Hibah by HLM Takaful from the 7th year onwards to the PIA. Upon maturity, the account value will be
payable to the participant. For Muslims, we have a range of value added services to fulfill your religious
responsibility for consideration.
WHAT ARE THE COVERS/BENEFITS PROVIDED UNDER I CARE RAHMAT?
Covered Event/Benefit Benefit Payable

Death Benefit payable is the total of:
Total and Permanent
Disability (TPD) before (a) Sum Covered* payable from the Participant’s Risk Fund (PRF); and
attaining age 65 (b) Account Value in the Participant’s Investment Account (PIA).
Old Age Disablement (OAD)
after attaining age 65
*subject to Juvenile Lien for Death and TPD benefit.
Bonus Units Payable as a Beginning from the 7th certificate year, bonus units up to 0.2% of
Hibah (Gift) account value will be allocated into the Participant’s Investment
Account on every certificate anniversary.
Maturity Account Value in the PIA will be payable.
ARE THERE ANY OPTIONAL RIDERS ATTACHABLE TO THIS PLAN?
Yes, currently there are 7 optional riders available to be attached to i-Care Rahmat as per table below:
Contribution Paying Rider Description

Additional Critical Illness 2 Rider This rider provides benefits in the event the
Person Covered is diagnosed to have suffered
from any of the 36 specified critical illnesses². The
benefits payable will not impact your Basic Sum
Covered.
Accelerated Critical Illness Plus Rider This rider provides benefits in the event the
Person Covered is diagnosed to have suffered
from any of the 36 specified illnesses². The
benefits payable will be accelerated from the
Basic Sum Covered.
Term (Payor) Plus Rider This rider provides additional coverage for the
Participant in the event of death/TPD.
Waiver of Contribution on Critical Illness 2 This rider provides waiver of contribution for the
future remaining total contributions under the
basic certificate and any other attaching riders
other than CI riders (as per Takaful Certificate)
until the end of this rider term, in the event the
Person Covered is diagnosed with any of the 36
critical illnesses (CI).
Unit Deducting Rider Description

Medi-Auni Rider This rider provides hospital and surgical benefits
in the event the Person Covered is hospitalised or
receiving treatment due to accident or illnesses
covered under this rider.
Living Care Rider In the event of Participant’s death /TPD/OAD/
diagnosis of any of the 36 critical illnesses,
whichever is earlier, this rider provides waiver of
contribution for the future remaining total
contribution of the basic certificate and any other
attaching riders (as per Takaful Certificate) until
the end of this rider term.
Hospital Income Benefit 3 Rider Upon hospitalisation of the Person Covered due
to illness or injury during the coverage term of
the rider, a fixed cash amount will be payable for
each day the Person Covered is hospitalised.
Payor Care 2 Rider Provides a sum of amount which is equivalent to
total future remaining contributions under the
basic plan and any other attaching riders (as per
Takaful Certificate) to PIA, in the event that the
Participant dies or suffers TPD, whichever is
earlier.
Top-Up Care 2 Rider Provides a sum of amount which is equivalent to
total future remaining regular top-up to PIA, up
to Regular Top-Up Contribution Term or upon
Participant attaining ANB 80 or up until the
Contribution term whichever is earlier, in the
event the Participant dies or suffers TPD,
whichever is earlier.
Accidental Death and Dismemberment 2 Rider This rider provides benefits in the event the
Person Covered dies or dismembers due to
accident during the rider term
Accident Medical Reimbursement Plus Rider This rider reimburses the actual expenses for
medical treatment, admission to a hospital or
nursing services, incurred as a result of an
accidental bodily injury of the Person Covered.
Weekly Indemnity Plus Rider This rider provides weekly indemnity benefit in
the event of Temporary Total Disability or
Temporary Partial Disability of the Person
Covered.
WHAT IS THE MIN SUM COVERED OFFERED?
The minimum Sum Covered is RM10,000.
The minimum entry age is 30 days old and maximum entry age is 70 years old next birthday. However, if
you choose expiry age 80, the maximum entry age is 60 years old next birthday.
WHEN IS THE EXPIRY DATE FOR THIS PLAN?
The certificate will expire when you attain the chosen expiry age, which is 80 or 100 years old next
birthday.
WHY HLM TAKAFUL I-CARE RAHMAT?
 PROTECTION AND SAVINGS IN 1 PLAN
Death benefit coverage up to the age 80 or 100 depending on your needs, and Total and Permanent
Disability (TPD) benefit up to age 65. Upon the end of TPD coverage, the Old Age Disablement (OAD)1
benefit will cover you till the end of the plan term. Accumulate your savings by choosing from our wide
range of investment-linked funds, depending on your risk appetite. Enhance your coverage by selecting
riders to cater for all your protection needs.
 RECEIVE MATURITY VALUE
You may receive the maturity value, which is your account value2, at the end of the plan term.
 BONUS UNITS PAYABLE AS A HIBAH (GIFT)
Beginning from the 7th certificate year onwards, bonus units up to 0.2% of the account value will be
allocated into the Participant’s Investment Account on every certificate anniversary.
 FLEXIBILITY
You may top-up or withdraw your account value at any time.Even better, you may switch your funds
whenever you want with no extra charges.
 POTENTIAL SURPLUS DISTRIBUTION
Any surplus from the Participants’ Risk Fund will be shared between you and us in the ratio of 50:50.
Your entitlement will be allocated as additional units to your investment-linked funds.
 FULFILL YOUR RELIGIOUS OBLIGATION
We also offer value-added services such as Hajj by Proxy, Waqf and Qurban to assist Muslims in fulfilling
their religious responsibilities.
WHAT YOU SHOULD KNOW ABOUT i-CARE RAHMAT
1. ELIGIBILITY
Entry Age 30 days to 70 years old
Expiry Age Choice of 80 or 100 years old
Minimum Sum Covered RM10,000
Maximum Sum Covered Subject to underwriting
Payment Frequency Monthly, quarterly, half-yearly or yearly
2. FLEXIBILTY
Switching between Unlimited switching allowed without charges.
Withdrawal Partial withdrawal from the Participant’s Investment Account is
allowed subject to a minimum withdrawal amount of RM500.
The minimum account value after withdrawal is RM1,000.
3. TYPES OF FUNDS
a) Participants’ Investment Account (PIA).
The contribution paid after deducting the Wakalah Fee will be converted into units of the
investment-linked funds of your choice and allocated into the PIA. We will manage and invest the
PIA, in accordance with the terms and conditions of the certificate. The value of the investment-
linked funds will be based on actual performance and the investment return is not guaranteed. In
this product, we are offering HLMT i-Income Fund, HLMT i-Balanced Fund and HLMT i-Equity Fund.
The investment risk of these investment-linked funds will be borne solely by you. Please refer to the
Fund Fact Sheet for the description of the underlying investments and the associated risks of each
fund.
b) Participants’ Risk Fund (PRF)
On a monthly basis, a pre-determined Tabarru’ based on person covered’s age, gender, sum at risk
and other applicable factors, will be deducted from the PIA (through unit cancellation) to the PRF to
provide for the Takaful coverage under this certificate. The Takaful benefits are payable from the
PRF. Any surplus from PRF will be distributed 50% to us and balance of 50% will be distributed
among the eligible participants and your entitlement will be allocated yearly as additional units in
the PIA.
4. FEES AND CHARGES

a) Wakalah Fee
 The Wakalah Fee is the unallocated contribution deducted as percentage of contribution as

shown below, to pay the expenses and direct distribution cost, including commission.
 Wakalah Fee as percentage of regular contribution ranging from 0% to 65% depending on the
contribution tenure and certificate year.
 Wakalah Fee for regular and ad hoc top-up is 5% of contribution.
 Contribution less Wakalah Fee will be used to purchase units in the investment-linked funds of
your choice.
b) Monthly Service Fee*
Monthly Service Fee of RM5 will be deducted from the account value (through cancellation of
sufficient units at the unit price) every month. This charge is for maintenance and services for your
certificate.
c) Monthly Tabarru’*
Tabarru’ rates are not guaranteed and are based on person covered’s and participant’s age and
gender.
d) Fund Management Fee *
This fee is charged by us as a percentage of account value as below for the purpose of managing the
fund on behalf of the participant.
 1.00% for HLMT i-Income Fund

 1.25% for HLMT i-Balanced Fund
 1.50% for HLMT i-Equity Fund
5. EXCLUSIONS
 The Death Benefit is not payable except for the account value if the death results directly or indirectly
caused from suicide within twelve (12) months from the commencement date of your certificate.
 TPD or OAD Benefit is not payable in respect of any condition/injury/event which is directly or
indirectly by self-inflicted injury while sane or insane, influence of any alcohol, narcotics or drugs, private
aviation activities, military service, war, act of terrorism and criminal, dangerous sports and activity and
the like
6. VALUE-ADDED SERVICES
Hajj by Proxy – means performing an obligatory Hajj (Pilgrimage to Mecca) on behalf of those who are
unable to perform Hajj by themselves due to sickness, old age or death. In the event of death, TPD or
OAD, a sum of RM3,500.00* (deducted from the Takaful benefit payable under your certificate) shall be
paid to the Badal Hajj service provider appointed by us, to conduct Hajj by Proxy on your behalf.
Waqf - means a voluntary, permanent, irrevocable dedication of a portion of one’s wealth for religious
or charitable purposes. In the event of death, TPD or OAD, a sum of RM500.00* (deducted from the
Takaful benefit payable under your certificate) shall be paid to the Waqf service provider appointed by
us, for carrying out “Ibadah Waqf” on your behalf.
Qurban – means carrying out “Ibadah Qurban” inclusive of purchasing and slaughtering livestock such as
goat, sheep, cattle and camel, on your behalf. In the event of death, TPD or OAD, a sum of RM750.00*
(deducted from the Takaful benefit payable under your certificate) shall be paid to the Qurban service
provider appointed by us.
f) HLM Takaful i-Kudrat
WHAT IS HLM TAKAFUL I KUDRAT?

HLM Takaful i-Kudrat is a regular contribution endowment Takaful plan which provides protection until
80 years old (next birthday). It provides coverage for death with additional coverage for accidental
death. 10% of the Death Benefit will be prepaid as Funeral Benefit (Khairat Kematian) upon receiving
just a burial certificate while the balance will be payable upon receiving the complete documentation.
Maturity benefit is payable at the end of the certificate term if no claim is paid. Above all, the enrolment
is hassle-free as there is no underwriting required.
WHY HLM TAKAFUL I KUDRAT?
Legacy for Your Loved Ones

It’s good to leave a legacy for your loved ones after you have passed on to reduce the financial burden
of your next-of-kin or to cover the costs of performing funeral bereavement on your behalf. Here, we
provide a guaranteed Death Benefit1 which is equivalent to the higher of Basic Sum Covered or total
contribution paid. If death occurs within the first and second year due to non-accidental cause, only the
total contribution paid will be payable. If death occurs unexpectedly due to accidental cause, your next-
of-kin will receive the following guaranteed Accidental Death Benefit1 in addition to the Death Benefit:
Age at Death % of the Basic Sum Covered
40 – 65 300%
66 – 80 150%
Flexible Payment Term

You have an option to pay contributions for only 10 years and be covered until you are 80 years old.
Depending on your needs, you may also choose to pay until the end of the coverage term with more
affordable contributions.

Hassle-Free Enrolment
It is truly hassle-free as you do not need to attend any medical check-up or answer long-winded health
questionnaires.

Maturity Benefit
When your certificate matures at the age of 80, a Maturity Benefit will be payable for you to spend
through your golden years.
Funeral Benefit (Khairat Kematian)

Funeral expenses can be costly and it often takes time to receive a full claim payment from your
insurance or Takaful plans. Living up to the name of Takaful, we provide assistance by pre-paying 10% of
the Death Benefit upon receiving just the burial certificate.
Value-Added Services
We can make arrangements to perform religious obligation or charity on your behalf when you have
passed on, where an amount will be deducted from the Takaful benefit payable under your certificate
and paid to the service provider appointed by us. The details of services are as listed below:
Service AMOUNT(RM) Description

Hajj by Proxy (for Muslims) 3,500 Means performing an obligatory Hajj (Pilgrimage
to Mecca) on behalf of those who are unable to
perform Hajj by themselves due to sickness, old
age or death.
Waqf 500 Means a voluntary, permanent, irrevocable
dedication of a
portion of ones wealth for charitable purposes.
Qurban 750 Means carrying out “Ibadah Qurban” inclusive of
(for Muslims) purchasing and slaughtering livestock such as
goat, sheep, cattle and camel, on your behalf.
WHAT IS THE APPLICATION PROCESS FR HLM TAKAFUL I KUDRAT?
The application process is simple and easy. You do not have to answer any health questions or attend
any medical check-up. You only need to declare that you are:
• mentally alert and capable of answering questions during the interview; and
• currently not admitted to Intensive Care Unit (ICU), Critical Care Unit (CCU), High Dependency Unit
(HDU), or bedridden.
WHAT WILL BE PAYABLE IN THE EVENT OF DEATH DUE TO ACCIDENTAL CAUSES?
In the event of death of the Person Covered due to accidental causes prior to maturity and while the
certificate is still in force, the following will be payable:
a. Death Benefit – Basic Sum Covered or total contributions paid, whichever is higher; and
b. Accidental Death Benefit – benefit payable depends on the age at death as shown below:
Age Next Birthday of the Person Covered at the Benefits Payable

Certificate Anniversary preceding death
40 – 65 300% of the Basic Sum Covered
66 – 80 150% of the Basic Sum Covered
HOW DOES THE FUNERAL BENEFIT WORK?
10% of the Death Benefit will be prepaid upon receiving just a burial certificate while the remaining will
be payable upon receiving the complete documentation. This benefit is aimed to reduce the financial
burden for performing funeral services as it often takes time to receive a full claim payment.
WHAT IS THE MINIMUM AND MAXIMUM ENTRY AGE FOR THIS PRODUCT?
The minimum entry age is 40 years old while the maximum entry age is 70 years old, age next birthday.
WHAT ARE THE EXCLUSIONS FOR HLM TAKAFUL I-KUDRAT?
• The Death Benefit is not payable for death resulting directly or indirectly from suicide
within twelve (12) months from the commencement date of the certificate.
• The Accidental Death Benefit is not payable for accidental death caused directly or
indirectly by self-inflicted injury while sane or insane, riot and civil commotion, strikes or
terrorist activities, war, declared or undeclared, revolution or any warlike operations.
g) HLM Takaful i-Hospital Care
WHAT IS THIS PRODUCT ABOUT?
HLM Takaful i-Hospital Care is a standalone hospital income benefit Takaful product which pays a daily
cash allowance upon hospitalisation. If the admission is due to Cancer, the daily cash allowance will be
doubled. This plan is guaranteed renewable for a term of 10 years.
WHY HLM TAKAFUL I-HOSPITAL CARE?

• Pays cash benefit up to RM500 per day upon hospitalisation
• Double cash benefit if hospitalised due to Cancer*
• Hassle-free application directly from us without any medical examination
• Renew without any hassle for another 10 years of coverage up to 2 times
• Covers hospitalisation in Malaysia, Singapore and Brunei

Hospital Cash Benefit
This plan pays a Daily Cash Allowance upon hospitalisation and the benefit will be doubled if the
admission is due to Cancer*. The benefit payable shall be limited to 730 days for every confinement.
 Tabarru’ means donation from the portion of the contribution that will be allocated to the
Participants' Risk Fund (PRF), which will be used for mutual aid and assistance among the fellow
participants.
 Iltizam Bi Al-Tabarru’ means the commitment to make Tabarru'.
 Wakalah means essentially an agent-principal relationship, where the Takaful Operator act as an
agent on behalf of the participants to manage the PRF and the Takaful Operator earns Wakalah
Fee for services rendered.
 Ju’alah means an agreement in which the participant agrees to reward the Takaful Operator for
its achievement or good performance in managing the PRF that leads to Surplus of the fund.
 Qardh means an interest-free loan provided by the Takaful Operator in the event of a deficit in
the PRF.

BENEFIT DESCRIPTION COVERAGE PERIOD
Hospital Cash Benefit (other If the Person Covered is 10 years
than Cancer) hospitalised for reasons other
than Cancer, a guaranteed*
daily cash allowance of RM<>
will be payable.
Hospital Cash Benefit due to If the Person Covered is 10 years
Cancer I hospitalised due to Cancer, a
guaranteed* 2 times daily cash
allowance of RM<> will be
payable. Upon claim under this
benefit, Hospital Cash Benefit
(other than Cancer) will not be
payable.
WILL I RECEIVE A MATURITY BENEFIT AT THE END OF THE COVERAGE PERIOD?
No, this product does not provide any form of benefit at the end of the coverage period.
WHAT ARE THE MIN AND MAX COVERAGE?
The minimum daily cash allowance is RM100 while the maximum daily cash allowance is RM500 (subject
to the income requirement), in a multiple of RM50.
IS THERE ANY OPTINAL RIDER ATTACHABLE TO THIS PLAN?
No. There is no rider attachable to this plan.
DO I NEED MEDICAL CHECK UP?
The contribution that you have to pay depends on your entry age. The contribution is level throughout
the coverage term. Please refer to the Product Disclosure Sheet for the amount of contribution that you
have to pay.
WHAT IS THE CONTRIBUTION PAYMENT MODE?
You can pay the contribution on an annual, semi-annual, quarter or monthly basis
WHAT ARE THE FEES AND CHARGES THAT I HAVE TO PAY?
a) Wakalah Fees is an administration fee that is deducted from the contributions to pay for the
management expenses including marketing costs.
b) Tabarru' will be deducted from the contributions and allocated into the PRF. The Tabarru' rates are
non-level and are not guaranteed. We reserve the right to vary the tabarru' rates by giving the
Participant 90 days written notice prior to the next certificate anniversary.
No Hospital Cash Benefit shall be paid if the hospitalisation results directly or indirectly from any one (1)
of the following occurences:
a) Pre-Existing Illness;
b) Specified Illnesses within 120 days from the certificate commencement date or any reinstatement
date of the certificate, whichever is later;
c) Any disability (except for injury due to accident) and its signs or symptoms that appear within 30 days
from the certificate commencement date or any reinstatement date of the certificate, whichever is
later;
d) in respect of any period of confinement to licensed hospital for an illness or injury occurring before
payment of the first Tabarru’ amount for the certificate;
e) in respect of any period of confinement to licensed hospital for an illness or injury directly or
indirectly caused or accelerated by:
i) strike, riot, civil commotion, war (whether declared or not);
ii) engaging in aviation (except as an ordinary fare-paying passenger on a regular public air service);
iii) being under the influence of intoxicating liquor or any narcotic or drug;
iv) suicide, attempted suicide, intentional self-injury, dueling or the hands of justice;
v) insanity;
vi) venereal disease;
vii) childbirth, pregnancy, miscarriage and their sequelae; or
viii) existence of Human Immunodeficiency Virus (HIV) or AIDS Related Complex;
f) treatments, period of confinement or day of confinement that are not medically necessary;
g) treatment of the gums, teeth or direct supporting structure, except where necessitated by an injury;
h) cosmetic surgery of any kind except as a result of an injury;
i) treatment arising as a result of birth defects, hereditary, congenital anomalies or related conditions;
j) convalescent care, rest care, hospice care, rehabilitation or similar treatment;
k) Person Covered committing, attempting or provoking an assault or a felony or from any violation of
law by Person Covered.
h) HLM Takaful i-Critical Care
WHAT IS TAKAFUL I CRITICAL CARE?

HLM Takaful i-Critical Care is a standalone critical illness (CI) Takaful product which covers 5 critical
illnesses namely heart attack, stroke, cancer, kidney failure and coronary artery bypass surgery. This plan
is guaranteed renewable for a term of 10 years.
WHY HLM TAKAFUL I-CRITICAL CARE?
• Affordable contribution as low as RM12.83/month*
• Covers 5 main critical illnesses with a lump sum benefit of up to RM500,000
• Renew without any hassle for another 10 years of coverage up to 2 times
• Hassle-free application directly from us without any medical examination
Critical Illness Benefit (10YEARS)
Upon diagnosis of any one of the covered diseases listed below and provided that the Person Covered
survives for at least 30 days after the date of diagnosis, 100% of the basic sum covered will be payable in
one lump sum and the certificate shall terminate:
• Heart Attack
• Stroke
• Cancer
• Kidney Failure
• Coronary Artery By-Pass Surgery
participants.
the PRF.
WHAT ARE THE MIN AND MAX COVERAGE?

The minimum coverage is RM50,000 while the maximum coverage is RM500,000, in a multiple of
RM10,000.
The contribution that you have to pay depends on your entry age and gender. The contribution is level
throughout the coverage term. Please refer to the Product Disclosure Sheet for the amount of
contribution that you have to pay. You can pay the contribution on an annual, semi-annual, quarter or
monthly basis. You can pay your contribution by Credit card or Debit card via Standing Instruction (SI).
CAN I RENEW MY CERTIFICATE AT THE END OF THE COVERAGE PERIOD?
Yes. This product offers an option to renew your certificate for another period of 10 years without
underwriting upon expiry, subject to the maximum entry age at renewal and a higher contribution may
be imposed due to increase in age. You may renew your certificate up to 2 times, subject to the
maximum entry age at renewal.
WILL MY CONTRIBUTION REMAIN THE SAME UPON RENEWAL?
No, the contribution will vary based on your age at renewal.
IS THERE ANY OPTIONAL RIDER ATTACHABLE TO THIS PLAN?
The minimum entry age is 18 years old and the maximum entry age is 60 years old, age next birthday.
WHAT ARE THE FEES AND CHARGES THAT I HAVE I PAY?
a) Wakalah Fees is an administration fee that is deducted from the contributions to pay for the
management expenses including marketing costs.
b) Tabarru' will be deducted from the contributions and allocated into the PRF. The Tabarru' rates are
non-level and are not guaranteed. We reserve the right to vary the tabarru' rates by giving the
Participant 90 days written notice prior to the next certificate anniversary.
WHAT HAPPENS IF THIS PRDUCT NOT MEETING MY NEEDS AFTER RENEWING THE CERTIFICATE?
You may cancel your certificate by returning the certificate within a free-look period of 15 days after it
has been delivered to you. We will refund the full contribution that you have paid.
No Critical Illness Benefit shall be paid if the covered disease results directly or indirectly from any one
(1) of the following occurrences:
a) Pre-Existing Illness;
b) The signs or symptoms of the covered diseases are manifested prior to or:
i) within 60 days from the commencement date or any reinstatement date of the certificate,
whichever is the latest in respect of:
• Cancer – of specified severity and does not cover very early cancer
• Coronary Artery By-Pass Surgery
• Heart Attack – of specified severity
ii) within 30 days from the commencement date or any reinstatement date of the certificate,
whichever is the latest for all other covered diseases not set out in item (i) above.
c) Other than the first incidence of the covered diseases;
d) Any injury or illness caused directly or indirectly, wholly or partly, by self-inflicted injury while sane or
insane, willful misuse of alcohol and/or the taking of drugs other than under the direction of a
registered medical practitioner; or
e) Death of the Person Covered within thirty (30) days following the date of diagnosis of any of the
covered diseases.
i) HLM Takaful FiT CI
WHAT IS HLM TAKAFUL FIT C?
This is a standalone Critical Illness (CI) Takaful product which covers 10 Critical Illnesses. This plan is
guaranteed renewable for a term of 10 years. Introducing HLM Takaful FIT CI, an ideal plan which
protects you against 10 major Critical Illnesses by paying 100% of the basic sum covered upon diagnosis.
What is more; signing up for the HLM Takaful FIT CI plan is easy as all that is required is answering a
simple health questionnaire. No medical check-up is required. Another great benefit, your plan will be
automatically renewed for another 10 years of coverage without underwriting for up to two times!
(a) Tabarru’ means donation from the portion of the contribution that will be allocated to the
participants.
(b) Iltizam Bi Al-Tabarru’ means the commitment to make Tabarru'.
(c) Wakalah means essentially an agent-principal relationship, where the Takaful Operator act as an
agent on behalf of the participants to manage the PRF and the Takaful Operator earns Wakalah Fee for
services rendered.
(d) Ju’alah means an agreement in which the participant agrees to reward the Takaful Operator for its
achievement or good performance in managing the PRF that leads to Surplus of the fund.
(e) Qardh means an interest-free loan provided by the Takaful Operator in the event of a deficit in the
PRF.
WHY HLM TAKAFUL FIT CI?
• The Takaful plan that comes with a complimentary FITNESS TRACKER
• Get fit to be REWARDED
• Get protection against 10 MAJOR CRITICAL ILLNESSES
• For just RM3.30 per day, receive up to RM1 MILLION* coverage
• LEVEL CONTRIBUTION for 10 YEARS!
*For individual aged 21 – 25
WHAT DOES HLM TAKAFUL FIT CI COVER?

Critical Illness Benefit
Upon diagnosis of any one of the Critical Illnesses listed below, and provided that the Person Covered
survives for at least 30 days after the date of diagnosis, 100% of the basic sum covered will be payable in
one lump sum and the certificate shall terminate:
6. Primary Pulmonary Arterial

1. Heart Attack Hypertension
2. Cancer 7. Serious Coronary Artery Disease
3. Coronary Artery By-Pass Surgery 8. Surgery to Aorta
4. Cardiomyopathy 9. Stroke
10. Alzheimer’s Disease / Severe

5. Heart Valve Surgery Dementia
THE CONTRIBUTION OF THE CERTIFICATE?
The certificate term is 10 years, with guaranteed renewability of another 10 years, up to 2 times, subject
to the maximum entry age at renewal. You are required to pay the contributions throughout the entire
coverage term. You are required to pay your contributions based on the payment mode that you had
chosen. You may choose to pay annually, semi-annually, quarterly or monthly during your application.
You can pay your contribution by Credit/Debit Card via Standing Instruction (SI) or Direct Debit. The
contribution is fixed at RM1,200 p.a. for all ages and gender. Upon renewal, the contribution will be
based on your attained age at the prevailing rates on the date of renewal. The prevailing rates will be
determined by Us. The contribution rates will increase as you get older. The contribution is level
throughout the certificate term, however it is not guaranteed. We reserve the right to vary the
contribution rates by giving the Participant 90 days written notice prior to the next certificate
anniversary. Claim experience is one of the possible reasons for contribution adjustment. Please note
that past trends of increase in the contribution rates do not necessarily reflect the future trend.
WHO IS ELIGIBLE FOR THIS PLAN?
All individuals aged between 21 years old (next birthday) and 60 years old (next birthday) are eligible
except for Professional Sports Person. Please refer to the Takaful certificate for the definition of
Professional Sports Person.
HLM TAKAFUL FIT APP
Get fit to be rewarded with HLM Takaful’s all-new HLM Takaful FIT app, which is tied to the HLM Takaful
FIT CI plan. You will also receive a complimentary fitness tracker to ease your journey towards a
healthier life and keep you motivated along the way. All you have to do is to download and activate the
HLM Takaful FIT app, which is connected to your fitness tracker. The HLM Takaful FIT app then starts
keeping track of your daily activities as you walk and run, as well as your heart rate and sleeping
patterns. This biological information stored in the HLM Takaful FIT app’s engine will then calculate and
chart your biological age. The fitter you are, the lower your biological age, the more points you can
accumulate to get exciting rewards, on a weekly basis! It’s as simple as that!
EXCLUSIONS
No benefit shall be paid if the covered disease results from the following occurrences:
(a) Pre-Existing Illness;
(b) The signs or symptoms of the covered diseases are manifested prior to or:
(i) within 60 days in respect of: • Cancer • Coronary Artery By-Pass Surgery • Heart Attack • Serious
Coronary Artery Disease
(ii) within 30 days for all other covered diseases not set out in item (i) above, from the certificate
commencement date or reinstatement date, whichever is the latest.
(c) Death of the Person Covered within 30 days following the date of diagnosis of any of the covered
diseases.
(d) Person Covered who himself/herself is a professional sports person
j) HLM TAKAFUL I-JAUHAR

WHAT IS HLM TAKAFUL I JAUHAR?
HLM Takaful i-Jauhar is a 30-year endowment Takaful product that can fulfil both your protection and
savings needs. It provides coverage for death and Total & Permanent Disability (TPD) and additional
coverage for accidental death. It also pays a Living Assistance Payout at the end of every year
throughout the coverage term. The Account Value (value of the Participant’s Account (PA)) will be
payable at the end of the certificate term if no claim has been made.
Introducing HLM Takaful i-Jauhar, an ordinary savings and protection endowment Takaful plan, which
gives you the flexibility to contribute for a limited time period as short as 5 years but enjoy its benefits
for 30 years. Along this journey, you will be rewarded with a Living Assistance Payout (LAP) benefit that
gives you an annual cash payout of up to 300% of the LAP Sum Covered. Plus, you may receive a lump
sum cash upon maturity for your life goals. As for your protection, HLM Takaful i-Jauhar ensures a
financial cushion to fall back on during an emergency. You or your loved ones will receive a lump sum
payment to see through the future in the case of death or Total & Permanent Disability (TPD). We also
secure your loved ones’ future with additional 100% of the Basic Sum Covered1 in the event of
accidental death.
WHAT ARE THE SHARIAH COCEPTS APPLICABLE?
participants.
agent on behalf of the participants to manage the PRF and PA and the Takaful Operator earns
Wakalah Fee for services rendered.
the PRF.
 Mudharabah means a contract between Participant and Takaful Operator whereby Participant
provides the contribution to be managed by Takaful Operator for investment purpose. Any
investment profit from the PA investment is to be shared between Participant and Takaful
Operator in the ratio of 90:10. In the event of investment loss, the loss will be borne by the
Participant provided that such losses are not due to the Takaful Operator’s misconduct (ta`addi),
negligence (taqsir) or breach of specified terms (mukhalafah al-shurut).
WHY HLM TAKAFUL I-JAUHAR?

Living Assistance Payout up to 300%
We provide you the right plan to start growing your savings. At the end of every certificate year, a Living
Assistance Payout (LAP) as shown below will be payable, provided that the certificate is in force and
contributions are paid up-to-date:
End of Certificate Year % of LAP Sum Covered (every year)

1-5 20%
6 - 10 50%
11 - 20 100%
21 - 30 300%
Total 4,350%
You may choose:
Option 1: To receive the LAP when it is due; OR
To reinvest 100% of the LAP into your Participant’s Account (PA)

for a potentially higher returns. You may make a partial
withdrawal1 from the PA at any time after 2 years without any
Option 2: charges.
Flexible Payment Term
You should not go through life worrying about financial commitments. With HLM Takaful i-Jauhar, you
have an option to pay contributions for only 5 years, and be covered while receiving Living Assistance
Payout for 30 years. Depending on your needs, you may also choose to pay for 10 or 20 years.
Protection Against Unfortunate Event

In the event of death or Total & Permanent Disability (TPD) prior to attaining age 70 next birthday,
either 100% of the Basic Sum Covered 2 or the Account Value (remaining balance in the PA), whichever is
higher, will be payable. Furthermore, if death is caused by accident prior to attaining age 66 next
birthday, an additional 100% of the Basic Sum Covered 2 will be payable.
Maturity Benefit
If no Death or TPD claim is made prior to the maturity of the certificate, the Account Value (if any) will
be payable.
We can make arrangements to perform religious obligation or contribute to a charitable organisation on
your behalf in the event of death or TPD, where an amount will be deducted from the Takaful benefit
payable under your certificate and paid to the service provider appointed by us. The details of services
that you may choose are listed below:
Service Amount3 (RM) Description
Means performing an obligatory Hajj
(Pilgrimage to Mecca) on behalf of those
who are unable to perform Hajj by
Hajj by Proxy (for themselves due to sickness, old age or
Muslims) 3,500 death.
Means a voluntary, permanent,
irrevocable dedication of a portion of
one’s wealth for religious or charitable
Waqf 500 purposes.
Means carrying out “Ibadah Qurban”
inclusive of purchasing and slaughtering
livestock such as goat, sheep, cattle or
Qurban (for Muslims) 750 camel, on your behalf.
1
Subject to minimum withdrawal amount of RM500 and minimum Account Value of RM1,000 after
withdrawal.
2
Basic Sum Covered is equivalent to the Total Contribution Paid as at the date of Death/TPD of the
Person Covered.
3
Subject to the prevailing market price in the year the service is carried out.
FEES & CHARGES
1. Wakalah Fee
Wakalah Fee is our administration fee that is deducted from the contributions to pay for the
management expenses and direct distribution costs, including commission.
2. Tabarru’
The amount of Tabarru’ depends on the coverage, Person Covered’s attained age (next birthday) (except
for Tabarru’ of Living Assistance Payout which depends on the entry age), gender, occupation class and
health condition. The Tabarru’ rates are non-level and are not guaranteed.
3. Surrender Charge
If you surrender your certificate within the first 2 years, a surrender charge (as percentage of the
Account Value)
4. Partial Withdrawal Fee
No fee will be charged when you perform a partial withdrawal from your Participant’s Account
The minimum entry age is 30 days old while the maximum entry age is 65 years old, age next birthday
(ANB).
ABOUT THE COVERAGE
The coverage term of this product is 30 years. The Basic Sum Covered for this product is equivalent to
the Total Contribution Paid as at the date of death/TPD of Person Covered. The amount of contribution
depends on your chosen Living Assistance Payout (LAP) Sum Covered. The minimum LAP Sum Covered is
RM600.
WHAT WILL BE PAYABLE IN THE EVENT OF DEATH/TPD DUE TO NON-ACCIDENTAL CAUSES?
In the event of death/TPD (TPD coverage until age 69 next birthday) of the Person Covered while the
certificate is still in force, the following, whichever is higher will be payable:
 100% of Basic Sum Covered; OR
 Participant’s Account (PA) Value
WHAT HAPPENS IF DEATH OCCURS DUE TO ACCIDENTAL CAUSES?
In the event of accidental death (coverage until age 65 next birthday) of the Person Covered while the
certificate is still in force, 100% of Basic Sum Covered will be payable in addition to Death Benefit.
WHEN WILL I RECEIVE THE LIVING ASSISTANCE PAYOUT AND HOW MUCH WILL BE PAYABLE?
Starting from the end of the first (1st) certificate year and subsequently every year, a Living Assistance
Payout (LAP) as shown in the table below will be payable, provided that the certificate is in force and the
contributions are paid up-to-date:
End of Certificate Year % of LAP Sum Covered (every year)

1-5 20%
6 - 10 50%
11 - 20 100%
21 - 30 300%
Total 4,350%
WHAT ARE THE OPTIONS AVAILABLE FOR LIVING ASSISTANCE PAYOUT (LAP)?
You may choose either to receive the LAP when it is due or to reinvest 100% of the LAP into your
Participant’s Account (PA) for a potentially higher return.
WHAT WILL I GET UPON MATURITY OF THE CERTIFICATE?

If no death/TPD claim is made prior to the maturity of the certificate, the Account Value (if any) will be
payable
HOW MUCH CONTRIBUTION DO I NEED TO PAY AND WHAT ARE THE CONTRIBUTION PAYMENT MODE
AND METHOD?
The amount of contribution that you have to pay depends on your LAP amount, entry age, gender and
contribution payment term. The contribution amount is level throughout the coverage term. Please
refer to the Benefit Illustration for more details. You can pay your contributions on an annual, semi-
annual, quarterly or monthly basis via cash, credit/debit card, auto debit, direct debit, standing
instruction or Biro Perkhidmatan Angkasa (BPA).
WHAT IS THE CONTRIBUTION PAYMENT TERM FOR HLM TAKAFUL I-JAUHAR?
You may choose to pay the contribution for 5, 10 or 20 years.
WHAT HAPPENS IF I STOP PAYING CONTRIBUTION?
In the event of non-payment of contribution, your certificate will remain in force as long as your Account
Value is sufficient to cover the Tabarru’ and other relevant charges. If the PA becomes insufficient to
cover all charges and no payment is made by you after a grace period of 30 days, your certificate shall
lapse. Please refer to the Takaful certificate for more details.
ARE THE CONTRIBUTIONS PAID FOR HLM TAKAFUL I-JAUHAR ELIGIBLE FOR INCOME TAX RELIEF?
Yes. You may qualify for a personal tax relief for the contributions paid under “Life Insurance/Takaful”
up to RM3,000, subject to the final decision of the Inland Revenue Board of Malaysia.
WHAT ARE THE EXCLUSIONS FOR HLM TAKAFUL I-JAUHAR?
 No Death Benefit except the Account Value (if any) shall be payable if death results directly or
indirectly from suicide within twelve (12) months from the commencement date or date of
reinstatement of the certificate, whichever is later.
 The TPD Benefit is not payable in respect of any condition/injury/event which is directly or
indirectly caused by self-inflicted injury while sane or insane, under the influence of any alcohol,
narcotics or drugs, private aviation activities, military service, war, acts of terrorism and criminal,
dangerous sports and activities and the like.
 The Accidental Death Benefit is not payable for accidental death caused directly or indirectly by
self-inflicted injury while sane or insane, riot and civil commotion, strikes or terrorist activities,
war, declared or undeclared, revolution or any warlike operations
k) HLM TAKAFUL ALPHA SAVER
WHAT IS HLM TAKAFUL ALPHA SAVER?
HLM Takaful Alpha Saver is an endowment Takaful product that can fulfil both your protection and
savings needs. It provides level coverage for death and Total & Permanent Disability (TPD),
additional coverage for accidental death as well as a funeral benefit payable upon death. It also pays
a Cash Payment at the end of every 5 years during the coverage term. Maturity benefit is payable at
the end of the certificate term if no claim has been made. The enrolment is hassle-free as there is no
medical check-up required.
HLM Takaful Alpha Saver is a 20-year endowment Takaful protection and savings plan which
provides cash payments up to 15% of the total contribution paid every 5 years throughout the
coverage term as well as a lump sum maturity benefit. As for the uncertainties, HLM Takaful Alpha
Saver provides coverage against death and Total & Permanent Disability (TPD) as well as triple
coverage for accidental death. Besides that, an additional funeral benefit will be payable to your
next-of-kin to ease their burden of final expenses. Start your journey with a hassle-free sign-up and
a daily contribution as low as RM1.671 and let HLM Takaful Alpha Saver take care of the rest.
WHY HLM TAKAFUL ALPHA SAVER?
Affordable Contribution As Low As RM50/Month

For as low as RM50 per month (Plan50) payable for 10 years, you can get protected for 20 years.
You may also choose a monthly contribution of RM100 (Plan100) or RM200 (Plan200) for a higher
coverage depending on your needs.

Simple & Easy Enrolment
We are making the enrolment process easier! Just answer simple health questions. No medical
check-up is required.

Cash Payments Up To 15% of Total Contribution Paid
Starting from the end of the 5th certificate year and subsequently every 5 years, a Cash Payment as
shown below will be payable, provided that the certificate is in force and there is no amount due to
us:
Cash Payment (RM)

End of Certificate % of the Total Plan5
Year Contribution Paid 0 Plan100 Plan200
5 5% 150 300 600
10 5% 300 600 1,200
15 10% 600 1,200 2,400
20 15% 900 1,800 3,600
Total 1,950 3,900 7,800
Basic Coverage Against Unfortunate Event
In the event of death or Total & Permanent Disability (TPD) (coverage until age 65 next birthday), a
guaranteed1 100% of the Basic Sum Covered will be payable. Besides that, a guaranteed 1 additional
10% of the Basic Sum Covered will be payable as Funeral Benefit upon death.

Triple Coverage For Accidental Death
In the unfortunate event of accidental death (coverage until age 65 next birthday), a
guaranteed1 200% of the Basic Sum Covered will be payable in addition to the death benefit.

Maturity Benefit
Upon maturity of the certificate, 100% of the Total Contribution Paid will be payable provided there
is no payment due to us and no prior claims have been made. No other benefit will be payable.

We can make arrangements to perform religious obligation or contribute to a charitable
organisation on your behalf when you have passed on or suffered from TPD, where an amount will
be deducted from the Takaful benefit payable under your certificate and paid to the service provider
appointed by us. The details of services that you may choose are listed below:
Service Amount2 (RM) Description

Means performing an obligatory Hajj
(Pilgrimage to Mecca) on behalf of those who
Hajj by Proxy are unable to perform Hajj by themselves due
(for Muslims) 3,500 to sickness, old age or death.
Means a voluntary, permanent, irrevocable
dedication of a portion of one’s wealth for
Waqf 500 religious or charitable purposes.
Means carrying out “Ibadah Qurban” inclusive
of purchasing and slaughtering livestock such
Qurban as goat, sheep, cattle or camel, on your
(for Muslims) 750 behalf.
a) Tabarru’ means donation from the portion of the contribution that will be allocated to the
participants.
b) Iltizam Bi Al-Tabarru’ means the commitment to make Tabarru'.
c) Wakalah means essentially an agent-principal relationship, where the Takaful Operator act as an
d) Ju’alah means an agreement in which the participant agrees to reward the Takaful Operator for
e) Qardh means an interest-free loan provided by the Takaful Operator in the event of a deficit in
the PRF.
WHAT IS THE MINIMUM AND MAXIMUM ENTRY AGE FOR THIS PRODUCT?
The minimum entry age is 30 days old while the maximum entry age is 55 years old, age next
birthday (ANB).
WHAT IS THE COVERAGE TERM OF THIS PRODUCT?
The coverage term of this product is 20 years.
WHAT ARE THE MINIMUM AND MAXIMUM COVERAGE?

The Basic Sum Covered for this product depends on your monthly contribution and entry age as shown in the table
below:
Entry Age
Monthly Contribution (RM) 1 – 45 ANB 46 – 55 ANB
50 (Plan50) 10,000 7,000
100 (Plan100) 20,000 14,000
200 (Plan200) 40,000 28,000
WHAT WILL BE PAYABLE IN THE EVENT OF DEATH/TPD DUE TO NON-ACCIDENTAL CAUSES?
In the event of death/TPD (TPD coverage until age 65 next birthday) of the Person Covered while the
certificate is still in force, the following will be payable:
a) Death/TPD Benefit – 100% of Basic Sum Covered
b) Funeral Benefit (payable upon death) – Additional 10% of Basic Sum Covered
WHAT HAPPENS IF DEATH OCCURS DUE TO ACCIDENTAL CAUSES?
In the event of accidental death (coverage until age 65 next birthday) of the Person Covered while the
certificate is still in force, 200% of Basic Sum Covered will be payable in addition to Death Benefit.
WHEN WILL I RECEIVE THE CASH PAYMENTS AND HOW MUCH WILL BE PAYABLE?
Starting from the end of the 5th certificate year and subsequently every 5 years, a Cash Payment as
shown in the table below will be payable, provided that the certificate is in force and there is no amount
due to us:
Cash Payment (RM)
End of Certificate % of the Total Plan5
Year Contribution Paid 0 Plan100 Plan200
5 5% 150 300 600
10 5% 300 600 1,200
15 10% 600 1,200 2,400
20 15% 900 1,800 3,600
Total 1,950 3,900 7,800
WHAT WILL I GET UPON MATURITY OF THE CERTIFICATE?
Upon maturity of the certificate, 100% of the total contribution paid will be payable.
WHAT ARE THE RIDERS AVAILABLE TO ENHANCE MY PROTECTION?
There is no rider attachable to HLM Takaful Alpha Saver.
FEES & CHARGES
1.Wakalah Fee
Wakalah Fee is our administration fee that is deducted from the contributions to pay for the
management expenses and direct distribution costs. The percentage of Wakalah Fee differs by
certificate year as shown below:
Certificate Year 1 2–10 (every year) 11–20
% of Contribution 43% 13% 0%
2.Tabarru’
A pre-determined Tabarru’ based on the certificate year will be deducted from the contribution. The
Tabarru’ rates are non-level and are not guaranteed. The amount of Tabarru’ is equivalent to the
contribution less Wakalah Fee.
3.Surrender Charge
Certificate Year % of Cash Surrender Value
1-3 30%
4-8 25%
9 – 19 15%
20 0%
HOW MUCH CONTRIBUTION DO I NEED TO PAY AND WHAT ARE THE CONTRIBUTION PAYMENT MODE
AND METHOD?
The amount of contribution that you have to pay depends on your plan selection. The contribution
amount is level throughout the coverage term. Please refer to the Benefit Illustration for more details.
You can pay your contributions on an annual, semi-annual, quarterly or monthly basis via credit/debit
card, direct debit and standing instructions.
WHAT IS THE CONTRIBUTION PAYMENT TERM FOR HLM TAKAFUL ALPHA SAVER?
The contribution payment term is 10 years.
WHAT HAPPENS IF I STOP PAYING CONTRIBUTION?
If contribution remains unpaid after the grace period of 90 days, your certificate will be automatically
converted into a Reduced Paid-Up (RPU) certificate where your coverage will be reduced, subject to our
terms and conditions. Otherwise, your certificate will lapse. Please refer to the Takaful certificate for
more details.
ARE THE CONTRIBUTIONS PAID FOR HLM TAKAFUL ALPHA SAVER ELIGIBLE FOR INCOME TAX RELIEF?
Yes. You may qualify for a personal tax relief for the contributions paid under “Life Insurance”, subject to
the final decision of the Inland Revenue Board of Malaysia.
WHAT ARE THE EXCLUSIONS FOR HLM TAKAFUL ALPHA SAVER?
a) The Death Benefit/Funeral Benefit is not payable for death resulting directly or indirectly from suicide
within twelve (12) months from the commencement date or date of reinstatement of the certificate,
whichever is later.
b) The TPD Benefit is not payable in respect of any condition/injury/event which is directly or indirectly
caused by self-inflicted injury while sane or insane, under the influence of any alcohol, narcotics or
drugs, private aviation activities, military service, war, acts of terrorism and criminal, dangerous sports
and activities and the like.
c) The Accidental Death Benefit is not payable for accidental death caused directly or indirectly by self-
inflicted injury while sane or insane, riot and civil commotion, strikes or terrorist activities, war,
declared or undeclared, revolution or any warlike operations.

General Takaful
MOTOR

Motorcycle
It provides coverage against loss or damage to the motorcycle and against liabilities to third parties for
injury or death and property damage. Comprehensive Takaful covers:
 Loss or damage to the participant vehicle and its accessories & spare parts
 Legal liability for death or bodily injury to any third party person
 Legal liability for loss or damage to third party property

PERSONAL ACCIDENT (PA)

Takaful PA
This product covers
 Personal Accident - compensation payable for accidental death and permanent disablement. It
can be extended to cover temporary total/partial disablement, medical and surgical treatment and
hospital income.
 Personal Liability - indemnifies participant against legal liability to pay third party for accidental
bodily injury or damage to property.

Group PA
The product provides compensation for bodily injury sustained by participant (employees, workers,
members etc.) resulting in death and permanent disablement. It can be extended to cover temporary
total/partial disablement, medical and surgical treatment and hospital income, and is a yearly renewable
plan, which provides a 24-hour worldwide coverage.

ENGINEERING

Boiler and Pressure Vessel
This product covers:
 Loss or damage to boiler or pressure vessel or other apparatus due to explosion or collapse
 Damage to auxiliaries and surrounding property e.g. buildings and machinery.
 Death, bodily injury and loss or damage to property of a third
party.

Deterioration of Stock
 Deterioration of chilled, refrigerated or frozen stocks in cold storage due to breakdown of
refrigeration unit.
 Expenses incurred for transfer of threatened goods to alternate cold storage to minimize
deterioration.

Erection All Risk
 Physical loss or damage involved in erection and installation of machinery, plant and steel
structures.
 Third party liability - accidental bodily injury, illness, loss of or damage to property of a third
party.

Electronic Equipment
This product covers loss or damage to computers and other electronic equipment. It covers:
 Material Damage - loss of or damage to hardware installation including peripheral equipment and
accessories.
 Data Media - loss of or damage to data media (disc and tapes external to the computer system)
while kept in the premises.
 Increase in cost of working - indemnity for increase in cost of working following material loss or
damage.

Machinery Breakdown
This product covers physical loss of or damage to machinery at work, rest or during maintenance.
Machinery includes:
 Electrical equipment such as alternators, generators, motors, switchgears;
 Mechanical plant such as engines, turbines, blowers, compressors, pumps, machine tools; and
 Process machinery used in paper/pulp making industry, printing industry, rubber/plastic, textiles
industry etc.

Machinery Breakdown Loss of Profit
This product covers financial loss resulting from machinery breakdown and must be issued concurrently
with Machinery Breakdown Takaful or Insurance. It compensates the:
 Loss of gross profit.
 Continuing business expenses including salaries and wages.
 Increase in cost of working incurred to avoid reduction in
turnover.

Storage Tank
This product covers damage to storage tanks (mainly bulk storage tanks e.g. palm oil tanks, fuel oil tanks)
caused by bursting, splitting, rupture or collapse. Cover can also be extended to cover the loss of
contents of the tanks.

Civil Engineering Completed Risks
This product covers loss of or damage to completed civil engineering properties and structures (road,
bridges, tunnel, dam etc.).

FIRE

Industrial All Risk
The plan provides coverage for any physical accidental loss to covered property at the business
premises. A single policy with a separate section sum covered for property loss of income resulting from
business interruption in consequence of an indemnifiable material damage loss provided. The combine
sum covered must be more than RM50 million.

Growing Tree
This product covers loss or damage to plantation caused by perils covered (fire, lightning etc.). It covers
the establishment costs of oil palm, rubber and cocoa plantation.

LIABILITIES

Comprehensive General Liability
Provides indemnification for all sums which the participant becomes legally liable to pay as compensation
in respect of bodily injury or property damage as a result of loss happening in connection with the
business of participant.

Professional Indemnity
Provides indemnification for participant against damages payable due to negligent act, error or omission
in the professional conduct of business/profession and legal costs incurred in
defence.

Products Liability
Provides indemnification for participant against legal liability for damages payable for bodily injury or
property damage caused by products manufactured, sold or distributed. It also covers legal costs incurred
in defence.

Public Liability
Provides indemnification for participant against damages payable for personal injury and loss of or
damage to property of a third party arising from accident occurring in connection with business
operations. It also covers legal costs incurred in defence.

Employer’s Liability
Provides indemnification for participant against liability to pay compensation to employees for accidental
bodily injury or disease during employment. It also covers legal costs incurred in
defence.

Directors and Officers Liability
Provides financial protection for directors and officers against litigation in the course of performing their
duties. It covers damages payable and the legal costs incurred in
defence.

MISCELLANEOUS

Plate Glass
This product covers breakage of plate glasses in showrooms, offices and buildings as a result of an
accident or perils not excluded under the plan.

Burglary
This product covers loss of or damage to the property covered whilst contained in the specified premises
arising from theft. Property covered includes stock-in-trade, furniture, fittings and fixtures, goods held in
trust or on commission, machinery and tools, designs, patterns and moulds, office equipment. It also
covers damage to the premises due to theft.

Fidelity Guarantee
This product indemnifies employer against any direct pecuniary loss incurred due to acts of dishonesty by
employees such as forgery, embezzlement, larceny or fraudulent
conversion.

Money
This product covers loss of money whilst in transit and whilst in the premises. It covers:
- Loss of money outside the premises - loss of money while being conveyed by authorize personnel
- Loss of money outside the premises - loss of money kept in locked safe, strong room and other
receptacles. It also covers repair or replacement costs of safe, strong room or other receptacles due to
theft.

Equipment All Risk
This product covers loss of or damage to mobile equipment (such as forklifts, excavators, mobile cranes,
tractors or other self-propelled vehicles) that is not licensed for road use and static heavy equipment
designed to operate in the open or within premises.

Banker's Blanket Bond
Provides coverage for financial assets and property in the case of a crime/offence.

Hong Leong Takaful

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HONG LEONG MSIG TAKAFUL (MALAYSIA)

FAMILY TAKAFUL – INDIVIDUAL

BENEFIT OF HLM TAKAFUL I- CASH:

 Enjoy supplementary income every year

 Financial assistance on death or disability

We accept contribution payment in monthly, quarterly, half yearly or yearly mode.

SHARIAH CONCEPTS APPLICABLE

HOW CONTRIBUTIONS IN THE PA BE INVESTED

HOW ARE SURPLUSES, IF ANY, FROM THE PRF BEING TREATED

WHAT HAPPENS IF THE PRF IS INSUFFICIENT TO PAY FOR THE BENEFITS?

Duration of Contract Minimum: 10 years

Maximum: 55 years’ old

Sum Covered Minimum: RM15,000

HOW DO I PARTICIPATE IN THIS SCHEME ?

Exclusions to the coverage.

No benefit shall be paid if:

SHARIAH CONCEPTS APPLICABLE

WHAT ARE THE COVERS/ BENEFITS PROVIDED UNDER i-CARE AL AMIN?

BEFORE BIRTH AFTER BIRTH

HOW WILL YOUR CONTRIBUTIONS IN THE PIA BE INVESTED?

WHAT ARE THE FUND CHOICES AVAILABLE?

FUNDS FUND OBJECTIVES

HOW MUCH CONTRIBUTION DO I HAVE TO PAY?

WHAT ARE THE FEES THAT I HAVE TO PAY?

WHAT ARE THE MAJOR EXCLUSION UNDER THIS CERTIFICATE?

CAN I CANCEL MY CERTIFICATE?

2. The 15 Congenital Conditions covered are:

c) HLM Takaful i-Salam

WHAT ARE THE SHARIAH CONCEPTS APPLICABLE?

Iltizam bi Al Tabarru’ means the commitment to make Tabarru’.

WHAT IS THE CONTRIBUTION PAYMENT MODE?

HOW CAN I PAY THE CONTRIBUTION?

WHAT ARE THE MIN AND MAX SUM COVERED OFFERED?

WHAT IS THE MAX EXPIRY AGE FR THIS PRODUCT?

The maximum expiry age is 75 years old, age next birthday.

DO CUSTOMER NEED TO GO FOR MEDICAL CHECK UP?

No medical check-up is required for this product.

CAN I RENEW MY CERTIFICATE AFTER 10 YEARS?

WHO WILL RECEIVE THE DEATH BENEFITS UPON MY DEATH?

WHAT ARE THE COVERS/BENEFITS PROVIDED?

WHAT ARE THE MAJOR EXCLUSIONS UNDER THIS CERTIFICATE?

d) HLM TAKAFUL I-CARE HASANAH

WHY I-CARE HASANAH?

WHAT ARE THE SHARIAH CONCEPTS APPLICABLE?

 Wakalah - essentially an agent-principal relationship, where the Operator acts as an agent on

WHAT ARE THE COVERS/ BENEFITS PROVIDED?

Option A: The higher of Sum Covered or Account Value

Option B: The total of Sum Covered and Account Value

Upon maturity of the certificate, the Account Value shall be payable.

Benefits of the living assistace care rider:

Entry Age* of the Person Covered: Minimum: As early as 30 days old

Maximum: 65 years old

Entry Age* of the Participant: Minimum: 16 years old

Maximum: 65 years old

Payment Frequency: Monthly, quarterly, half-yearly & yearly

Certificate Term: 20 years

Contribution Payment Term: 8 or 10 years

Minimum Contribution: RM 50 monthly

WHAT ARE THE FEES THAT I HAVE TO PAY?

 Other charges information are as follows:

Monthly Service Fee* RM 5 per month

WHAT ARE THE MAJOR EXCLUSIONS UNDER THIS CERTIFICATE?

 AIDS - TPD is due to AIDS or the influence of intoxicants.