Open Product Training - HLM Takaful I-Flexi Protect - V1.3 3

Product Training
HLM Takaful i-Flexi Protect
By <Presenter’s Full Name>

Training Department
<Date>
All rights reserved. This training material is solely for the use of authorized intermediaries of Hong Leong MSIG Takaful Berhad. It is provided in order to assist
the authorized intermediaries in understanding the subject matter presented. It should not be considered as the main and only source of information and
reference for the related knowledge and skill. Except for the purpose stated herein, no part of this material and/or publication may be reproduced, circulated1or
transmitted in any form or by any means or stored in any retrieval system of any nature, without prior written approval from Hong Leong MSIG Takaful Berhad.
The information in the training material is correct as at 23072021.
Program Details
 Course Name : Product Training - HLM Takaful
i-Flexi Protect
 Course Code : 1202110 & 9202110
 Training Hours : 2 Hours
 CPD Hours : 2 Hours
 Target Audience : All Agents & Leaders

3
Contents
Session Topic Duration
Your Preferred Takaful Provider – Hong Leong MSIG Takaful 5 mins
1 Introduction to HLM Takaful i-Flexi Protect 10 mins
2 Features & Benefits 25 mins
3 Operational Guidelines for HLM Takaful i-Flexi Protect 10 mins
4 Additional Coverage (Attachable Riders) 20 mins
5 Benefit Illustration 20 mins
6 Unique Marketing Propositions 20 mins
Post-training Assessment 10 mins
4
Key Presentation Objectives
At the end of this session, participants will be able to:
1 • List the features and benefits of HLM Takaful i-Flexi Protect.
2 • Identify the target market for HLM Takaful i-Flexi Protect.
3 • Explain contents of Product Brochure & Benefit Illustration.
4 • Present HLM Takaful i-Flexi Protect with the right marketing ideas.
5 • Submit HLM Takaful i-Flexi Protect case based on client’s needs.

5
Presentation Methodology
1. Trainer’s presentation, discussion and sharing of

information.
2. Trainees’ participation and knowledge sharing.
3. Active learning through discussion and activities.
6
Learning Maximization
Learn,
Respect &
unlearn & Be on time Dress code
open-mind
relearn
Avoid
Handphone Proactive & Make
personal
management participative mistakes
discussion
Enjoy the
Take notes
journey
7
Important Notice
Participants are expected at all times to adhere to:
1. Legislation
• Islamic Financial Services Act (IFSA) 2013
• Personal Data Protection Act (PDPA) 2010
• Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act (AMLA)
2001
• Malaysian Anti-Corruption Commission (MACC) Act 2009
2. Policy Document/Guidelines
• Anti-Money Laundering, Countering Financing of Terrorism and Targeted Financial Sanctions for
Financial Institutions (AML/CFT and TFS for FI) 2019
• Takaful Operational Framework 2019
• Wakalah 2016
• Mudarabah 2015
• Guidelines on Adequate Procedures
• Policy on Prohibited Business Conduct
• Policy of Management of Customer Information and Permitted Disclosures
• Policy on Fair Treatment of Financial Consumers
• Guidelines on Proper Advice Practices for Life Insurance/Family Takaful Business
3. MTA Guidelines (list is non-exhaustive)
• Guidelines on Minimum Standards for the Treating Customers Fairly (TCF) Framework
• Code of Practice on Personal Data Protection for the Insurance and Takaful Industry in Malaysia
8
Your Preferred Takaful Provider
Hong Leong MSIG Takaful
9
HLMT Provides Takaful Coverage
An arrangement based on mutual

assistance under which takaful
participants agree to contribute to a
common fund providing for mutual
financial benefits payable to the
takaful participants or their
beneficiaries on the occurrence of
pre-agreed events.
10
Takaful Proposition
And cooperate in righteousness and

piety, but do not cooperate in sin
and aggression. And fear Allah;
indeed, Allah is severe in penalty.
Dan tolong-menolonglah kamu dalam

(mengerjakan) kebajikan dan takwa, dan
jangan tolong-menolong dalam berbuat
dosa dan pelanggaran. Dan bertakwalah
kamu kepada Allah, sesungguhnya Allah
amat berat seksaNya.
(Surah Al-Ma’idah, 5:2)
11
Takaful Philosophy
Tabarru' (donation) The word Takaful is
contract where a derived from the Arabic
participant agrees to verb "kafala" which
allocate/donate a pre- simply means to take
determined percentage care of one's need.
of his contribution (to a
Takaful fund).
Provides mutual Based on solidarity,

financial aid, brotherhood, shared
assistance of joint responsibility & mutual
guarantee & mutual assistance (ta'awun)
benefits. concepts.
12
Similar but Not the Same
Shariah
Committee
Insurance
Gharar
Takaful
Maisir
Riba
Tabarru’ ‘Filter’
Takaful removes objectionable elements
13
Shariah Contracts in Islamic Finance
Gratuitous Trading Partnership Supporting
Contracts Contracts Contracts Contracts
Gift Leasing Sale Mudarabah Kafalah
Waqf Musharakah Rahn

Operational Bai’ Bithaman
Loan Lease Ajil (BBA) Hiwalah
Ibra’ Financial Lease Murabahah Wadiah
Salam Wakalah
Istisna’ etc. Ju’alah
Muqasah
14
Shariah Contracts Applicable in
Takaful Transaction
• Participants (rabbu al-mal) in the takaful operation contribute
Mudarabah a sum of money to the takaful fund, while the takaful
(Profit operator (mudharib) agrees to manage the fund with the
view of making profit which both the participants and the
Sharing) operator share proportionately.
• Donation which is given by one in favor of someone without

Tabarru’ seeking any consideration.
• The amount contributed to the PRF is regarded as tabarru’
(Donation) which is managed by the takaful operator to provide a
security for others who deserve it.
15
Shariah Contracts Applicable in
Takaful Transaction
• A person delegates his business to another (wakil/agent) and
substitutes the other in his place. Thus, both the principal and the
Wakalah agent are equally bound to each other under a contract of Wakalah.
(Agency) • The participants appoint the takaful operator as an agent to manage
the takaful fund. While takaful operator appoints takaful agent as
wakil to solicit takaful business from the participants.
Ju’alah
• The takaful operator will be paid according to their performance in
(Performance managing the takaful fund through the agreed surplus sharing ratio.
Fee)
Qard
• The takaful operator grants a Qard in the event of a deficit in the
(Interest-free takaful fund.
Loan)
16
Takaful Business Model – Wakalah Bi Al Istithmar
Participant
Surrender Value,
Maturity Value,
Contribution Withdrawal Value
Takaful Benefit
1 -x%
Investment* Profit
(Wakalah Bi 100% Participant’s Investment
Al Istithmar) Account
Y
(Iltizam Bi Al 50%
X% Fund Management Charge, Surrender Tabarru’) (Surplus)
LEGACY CREATION
(Wakalah Fee) Charge, Partial Withdrawal Charge, Fund

Switching Fee, Monthly Service Fee
Qard Investment
HLM Takaful Participants’ Risk
Operator’s Fund Repayment of Profit
Fund (PRF)
Qard
50%
(Ju’alah) Surplus
*In the event of investment loss, the loss will be borne by the Participant
17
Takaful Business Model – Wakalah
Participant
Takaful Benefit, Unearned

Contribution Tabarru’ Benefit
1-X%
(Iltizam Bi Al
X% 50%
(Wakalah Fee) Tabarru’)
(Surplus)
HLM Takaful
Operator’s
Qard
Participants’ Risk Investment LEGACY CREATION
Repayment of Fund (PRF) Profit
Fund Qard
50%
(Ju’alah)
Surplus
18
Takaful Business Model – Wakalah Mudarabah
Participant
Surrender Value,
Maturity Value,
Contribution Withdrawal Value
Takaful Benefit
1 -x%
Profit
Investment* 90%
(Mudarabah) Participant’s Account
Y
(Iltizam Bi Al 50%
X% Profit Tabarru’) (Surplus)
LEGACY CREATION
Surrender Charge, Partial Withdrawal

(Wakalah Fee) 10% Charge, Monthly Service Fee
Qard Investment
HLM Takaful Participants’ Risk
Operator’s Fund Repayment of Profit
Fund (PRF)
Qard
50% Surplus
(Ju’alah)
*In the event of investment loss, the loss will be borne by the Participant
19
Session 1
Introduction
to
HLM Takaful
i-Flexi Protect
20
Product Description
 HLM Takaful i-Flexi Protect is an ordinary family Takaful plan with

comprehensive protection until age 60, 70, 80 or 90 years old
(following customer’s choice).
 It provides comprehensive protection with various attachable riders to

enhance your coverage on disability, critical illness,
hospitalisation/surgical, hospital income and waiver of contribution.
21
Target Market
Working Adults Children
Middle (M40) to High

Income (T20) Groups
22
Session 2
Features & Benefits
23
Key Product Features
2 4
Additional Attachable
Services Riders
Death Maturity
Benefit Value
1 3
24
Death Benefit
Upon death of the Person Covered (any

causes) while the certificate is still in
force, the amount of benefit payable is
Death the sum of Basic Sum Covered (BSC) and
Benefit Participant’s Account (PA) Value
Juvenile Lien shall apply to Basic Sum Covered.
1
25
25
Additional Services
2 In the event of Death of the Person Covered,

Takaful Operator shall deduct the following
Additional
Services
amount(s) from the Benefits payable under
this certificate and remit to the service
provider appointed by the Takaful Operator:
 Hajj by Proxy - RM3,500 (for Muslims)
 Qurban – RM750 (for Muslims)
 Waqf – RM500
Except for Waqf, the amount of additional services is subject to prevailing
market price in the year the service is carried out.
26
26
Maturity Value
If no Death claim is made prior to

the maturity of the certificate,
the Account Value (if any) will be
Maturity payable. The Takaful Certificate
Value will then be terminated.
3
27
Attachable Riders
ACCELERATED ACCELERATED HOSPITAL INCOME
DISSABILITY CRITICAL ILLNESS 4 BENEFIT 5
4
Attachable
WAIVER OF
MEDI AUNI 2 CONTRIBUTION ON PAYOR CARE 3 Riders
CRITICAL ILLNESS 4
ACCIDENTAL ACCIDENTAL
WEEKLY
DEATH AND MEDICAL
DISMEMBERMENT 3 REIMBURSEMENT 3
INDEMNITY 3
ADDITIONAL
LIVING CARE 2
CRITICAL ILLNESS 3
28
Session 3
Operational
Guidelines for
HLM Takaful
i-Flexi Protect
29
Eligibility
Entry Age
Min Entry Age Max Entry Age Expiry Age
70 ANB 80 or 90 ANB
Person Covered 30 days old 60 ANB 70 ANB
50 ANB 60 ANB
Participant 18 100* N/A
*If they do not participate in any Riders attachable to the Participants.
Coverage Term 30
Expiry Age (next birthday) : Choice of age 60, 70, 80 or 90
Term : Expiry Age – Entry age of the Person Covered
Basic Sum Covered

• Min : RM10,000
• Max : Subject to underwriting
30
Contribution
Payment Term Contribution is payable for the whole coverage term.
Cash, Credit/Debit Card, Auto Debit (Maybank & BSN only), Direct Debit
Method
(FPX/MEPS), Standing Instruction, Biro Perkhidmatan Angkasa (BPA).
Mode Modal Factor

Monthly 0.08333
Mode Quarterly 0.25
Half Yearly 0.5
Annually 1
Increase the Contribution

Allowable at the next Contribution Due Date (CDD).
Change in
Contribution
Decrease the Contribution
Allowable at the next CDD, subject to sustainability of the certificate.
31
Fees & Charges
No. Fees & Charges Details
Contribution Certificate Year
Term 1 2 3 4 5 6 >=7
10 47.00% 37.00% 31.00% 21.00% 15.00% 10.00% 0.00%
11 50.00% 37.00% 33.00% 24.00% 16.00% 10.00% 0.00%
12 52.00% 47.00% 34.00% 25.00% 16.00% 10.00% 0.00%
13 55.00% 48.00% 41.00% 30.00% 18.00% 10.00% 0.00%
1 Wakalah Fee 14 58.00% 50.00% 48.00% 34.00% 18.00% 10.00% 0.00%
15 60.00% 51.00% 49.00% 48.00% 20.00% 10.00% 0.00%
16 61.00% 52.00% 51.00% 50.00% 28.00% 10.00% 0.00%
17 63.00% 54.00% 53.00% 53.00% 35.00% 10.00% 0.00%
18 65.00% 55.00% 54.00% 54.00% 36.00% 10.00% 0.00%
19 67.00% 56.00% 55.00% 55.00% 37.00% 10.00% 0.00%
20 68.00% 56.00% 56.00% 56.00% 38.00% 10.00% 0.00%
Monthly Service
2 RM5.00
Charge
The monthly Tabarru’ depending on Person Covered’s age, gender, occupational

3 Tabarru’
class and coverage amount which shall be dripped from the PA into the PRF.
The Takaful Operator reserves the right to revise the fees and charges by giving the Participant 90 days written notice
prior to Certificate Anniversary.
32
Fees & Charges
Surrender Fee
Surrender Fee will be deducted from the Account Value:
Contribution Term (years)
Certificate Year
10 – 14 15 16 17 18 19 20 and above
1 Nil 1% 6% 8% 11% 13% 19%
2 and above Nil
Partial Withdrawal Fee

Partial Withdrawal Fee will be deducted from the Account Value that is withdrawn
Contribution Term (years)
Certificate Year
10 – 14 15 16 17 18 19 20 and above
1 Nil 1% 6% 8% 11% 13% 19%
2 and above Nil
33
Underwriting Requirement
Medical Financial
Underwriting Underwriting
Subject to
Underwriting Rules
34
Medical Underwriting
35
Financial Underwriting
Personal
Business Takaful
36
AML Customer Due Diligence (CDD)
Process of identifying and verifying customer identity either individual or
legal entity
What information and documentation do you required to obtain for identification and verification of
customer?
Individual Customer and Beneficial Owner (Identification) Verification (obtain documentation)
(i) Full name (i) Copy of NRIC / Copy of Passport
(ii) National Registration Identity Card (NRIC) number or (ii) Letter from employer
passport number or reference number of any other (iii) Proof of income (payslip/EA
official documents of customer form/bank statement)
(iii) Residential AND mailing address
(iv) Date of Birth
(v) Nationality
(vi) Occupation
(vii) Annual income
(vii) Name of employer or nature of self-employment or
nature of business
(viii) Contact number
(ix) Purpose of transaction
37
Individual Beneficiaries (Identification) Verification
(i) Full name; (i) Copy of NRIC / Copy of Passport
(ii) NRIC number or passport number or (ii) Letter from employer / Authorization
reference number of any other official letter
documents of the beneficiary;
(iii) Date of birth
(iv) Address
(v) Relationship
Legal Person Beneficiaries (Identification) Verification
(i) Name, legal form and proof of existence; Refer to Legal Person
(ii) Date of incorporation; and (Non Individual-Participant) Declaration form
(iii) Address.
38
Legal Person (Identification) Verification
(i) Name, legal form and proof of existence, such (i) Certificate of Incorporation/
as or any other reliable references to verify the Constitution/ Partnership Agreement
identity of the customer; (certified true copies/duly notarized
(ii) The powers that regulate and bind the copies, may be accepted)
customer; and (ii) Directors’ resolution, as well as the
(iii) The address of the registered office and, if names of relevant persons having a
different, a principal place of business. Senior Management position
39
High Risk Customers and Business
Customer who fall under the following categories shall be ranked as High Risk and enhanced
customer due diligence (ECDD) must be conducted before establishing business relationship:
CUSTOMER BUSINESS
• Customer involved in high risk business • Money changer
• Politically Exposed Person* (PEP), both • Remittance agent
foreign and domestic. • Casinos / other gambling establishments
• Customer from countries or within (including mahjong parlor)
jurisdiction with inadequate AML/CFT • Nightclubs / disco / karaoke centre
system, having significant levels of • Massage parlor
corruption/other criminal activities including • Pawn shop
sanction countries. • Cash-based businesses
• Business/ activities identified by the FATF as
higher money laundering and financing of
terrorism risk
The list above is non-exhaustive.

Note: Senior Management’s approval is required before establishing such business relationship.
Enhanced CDD
For customer that fall under High Risk to perform the Enhanced Due Diligence as below:
i. obtain and verify standard CDD information;

ii. obtain additional information on the customer and beneficial owner (e.g. volume of assets
and other information from public databases);
iii. obtain and verify the source of wealth or source of funds. In the case of PEPs, both sources
must be obtained;
iv. obtaining approval from the Senior Management, i.e., EXCO (except CCO and CRO) before
establishing business relationship
Participant Servicing
No. Item Description
Participant is entitled to a fifteen (15) days free-look or cooling-off period from the
date of the delivery of the certificate document to review the suitability of the newly
Free-Look participated certificate. Should Participant decide to cancel the said Certificate within
1
Period the free-look period, the Takaful Operator shall refund the contributions that have
been paid less any medical expenses which may have
been incurred.
A grace period of thirty (30) days will be allowed for payment, during which this
Grace
2 certificate shall remain in force. In the event of claim within this grace period, the
Period
original Takaful benefits will be payable after deducting indebtedness.
42
During Contribution Payment Term
Addition of riders can be made at the CDD subject to underwriting and

3 Addition of Rider sustainability of the certificate.
After Contribution Payment Term

Not allowable.
4 Deletion of Rider Deletion of rider(s) can be made at the next CDD.
During Inception
• Selection of this option will automatically renew the basic certificate until
90 Age Next Birthday (ANB). Except for waiver rider, (i.e. Waiver on Critical
Continuous Illness 4 Rider and Payor Care 3 Rider), all riders will be auto extended up to
5
Coverage Option the maximum expiry age of the respective rider.
• There will be no contribution during the continuous coverage period.
• Regular/single additional top up is required if account value is insufficient
for the certificate to continue till the end of coverage term.
43
After Inception
• If this option was not selected during inception, this option can be added after,
provided that the certificate is still in force at the time of request and subject to
underwriting and prior to age of 70ANB.
• Selection of this option will automatically renew the basic certificate until 90 ANB.
Except for waiver rider, (i.e. Waiver on Critical Illness 4 Rider and Payor Care 3
Rider), all riders will be auto extended up to the maximum expiry age of the
respective rider.
Continuous • There will be no contribution during the continuous coverage period.
5 Coverage • Regular/single additional contribution is required if account value is insufficient for
Option the certificate to continue till the end of coverage term.
Removal of Option
Can be made at any time.
Continuous Coverage Letter

CAD will send out a letter to customer 30 days prior to the original certificate expiry
date to advice on the amount of Regular/Single Additional Contribution that is required
for the certificate sustainability up to the end of the continuous coverage period.
44
• If the Total Contribution is not received at the CDD, the basic plan will
automatically continue to be in force provided that the Account Value is
sufficient to cover 100% of all Tabarru’ and charges under the certificate. If
the Account Value is sufficient to cover 100% of the Tabarru’ for all riders
attached to the basic plan, then, all riders shall automatically continue to be
in force as well.
Non-payment of
• If the prevailing Account Value is insufficient to cover 100% of the Tabarru’,
6 Contribution
the Certificate will lapse. Any payment of contribution after the Contribution
Option
Due Date which is allowed and accepted by the Takaful Operator will be
subject to the contribution allocation.
• The applicable contribution allocation will be determined retrospectively to

the applicable certificate year as determined by the Takaful Operator which
in any way shall not be earlier than when the regular contribution was last
paid.
45
Increase the Contribution
Allowable at the next CDD.
Change of
7
contribution
Decrease the Contribution
Allowable at the next CDD, subject to sustainability of the certificate.
Increase the Sum Covered during Contribution Payment Term
• Allowable at the next CDD, subject to underwriting, contribution paid up to date and
sustainability of the certificate.
• Underwriting will be based on the new Sum Covered
Increase the Sum Covered after end of Contribution Payment Term

Change of • Allowable, subject to underwriting and sustainability of the certificate
8 Sum • Underwriting will be based on the new Sum Covered
Covered • May require either Single or Regular Additional Contribution for the remaining
coverage term (limited pay for RAC after end of Contribution Payment Term is not
available)
Decrease the Sum Covered

Allowable. The contribution may also decrease subject to sustainability of the
certificate.
46
Partial Minimum withdrawal amount of RM500 and the minimum Account Value after
9
Withdrawal withdrawal is RM1,000.
Single Additional Contribution
• Allowable only for sustainability
• Allowable only after certificate has been in forced.
Additional
10
Contribution Regular Additional Contribution (RAC) after inception
• Allowable during new business stage and after certificate has been in forced.
• Customer cannot choose the RAC payment term.
• RAC payment term will follow the remaining Contribution Payment Term.
The certificate will lapse when the value in the Participant Account (PA) is
insufficient to cover all Tabarru’ and charges under the certificate after the grace
period has ended, unless sufficient contribution is received within the interim
11 Lapsation period.
As per existing practice, lapse notice to be generated when the certificate status
turns to “Under Grace” due to Account Value becomes 0 and also upon lapse.
47
The Participant may surrender the certificate by giving a written notice to the
12 Surrender Value Takaful Operator. The Account Value less surrender charge, if any, will be
payable and the Takaful Certificate will then terminate.
13 Certificate Loan Not applicable.
Assignment &
14 Allowable
Nomination
If the certificate lapses due to non-payment of contributions, it may be
reinstated at the Takaful Operator’s absolute discretion within 1 year from the
date this Certificate lapsed, provided the certificate is not surrendered subject
to the terms and conditions below:
• Revival form to be completed and submitted;

15 Reinstatement
• Production of Person Covered current health certificate and other evidence
of eligibility for Takaful benefit satisfactory to the Takaful Operator if the
lapsation is more than 6 months;
• Payment of all overdue contributions; and
• Any reinstatement shall only cover loss or covered event which occurs after
the reinstatement date.
48
Contingent Owner:
Before death of the Participant, the Participant may nominate another eligible
person as Contingent Owner before the Person Covered attains 25 years old.
The following condition must be met before the aforesaid takes effect:
(a) The Contingent Owner survives the Participant for at least 7 days;
(b) The Contingent Owner is currently aged 18 years or older;
(c) The Certificate has not been assigned prior to or after the appointment
Transfer of date;
16
Ownership (d) The Participant has not subsequently revoked the vesting prior to death;
The eligible person here refers to Spouse, Child, Parent or Sibling of the
Participant who has attained the age of 18 or more (inclusive legitimate,
adopted, step child, parent or siblings ONLY) subject to satisfactory proof of
relationship to the Takaful Operator. Upon Contingent Owner becoming the
Participant, he/she has the same rights, interest, privileges, options and
benefits as the original Participant.
49
Juvenile Person Covered becoming Participant:

The transfer of Participantship can be processed upon request by the Participant
when the Person Covered attained the age of:
(a) 10 years old (with Parental Consent); or
Transfer of
16 (b) 18 years old.
Ownership
However, if there is no request before the Person Covered attains the age of
25, CAD will advice to transfer the certificate ownership to the Person Covered.
There will be no further underwriting upon submission of this request.
To ensure the continuity of the Certificate, the Participant needs to appoint

Continuity of Contingent Owner and alternative Contingent Owner. The appointment of
17
Certificate Contingent Owner and alternative Contingent Owner will take effect upon the
demise of Participant.
50
Exclusions: i-Flexi Protect
Death Benefit
No death benefit payment except the PA value shall be paid if death results
directly or indirectly from suicide within twelve (12) months from the
Commencement Date or date of reinstatement, whichever is later.
51
Session 4
Additional Coverage
(Attachable Riders)
52
Attachable Riders
ACCELERATED ACCELERATED HOSPITAL INCOME
DISSABILITY CRITICAL ILLNESS 4 BENEFIT 5
4
Attachable
WAIVER OF
MEDI AUNI 2 CONTRIBUTION ON PAYOR CARE 3 Riders
CRITICAL ILLNESS 4
ACCIDENTAL ACCIDENTAL
WEEKLY
DEATH AND MEDICAL
DISMEMBERMENT 3 REIMBURSEMENT 3
INDEMNITY 3
ADDITIONAL
LIVING CARE 2
CRITICAL ILLNESS 3
53
Accelerated Disability Rider
Rider Sum Covered

accelerated from Basic Sum
Covered (BSC)
Payable when the person covered is diagnosed with:
1) Total and Permanent Disability (TPD) before ANB 66; OR

2) Old Age Disablement (OAD) after age 66
Payment of Rider Sum Covered will reduce the basic plan Sum Covered accordingly.
Juvenile Lien shall apply to Rider Sum Covered.
54
Total & Permanent Disability (TPD)
ANY GAINFUL
WORK / PRESUMPTIVE ACTIVITIES OF
OCCUPATION / DISABILITY DAILY LIVING (ADL)
BUSINESS
• Due to injury or sickness that Occurrence any of the following: • Unemployed or not engaged in
preventing he/she to perform • Total and permanent loss of any gainful work, occupation or
or engage in any gainful work, sight in both eyes; business or had permanently
occupation or business to • Loss by physical severance of retired 6 months preceding
obtain any wages, two limbs at or above the wrist disability & unable to perform 3
compensation or profit. or ankle; or out of 6 ADL:
• 6 months uninterrupted • Total & permanent loss of sight Bathing/
Transfer Washing
disability. in one eye and the loss by
• Not applicable for Juvenile. physical severance of one limb Mobility Dressing
at or above the wrist or ankle.
Continence Eating
• Also applicable for Juvenile
until he/she attains the age of • 6 months uninterrupted disability
eighteen (18). • Not applicable for Juvenile.
55
Total & Permanent Disability (TPD)
Juvenile to age 18 Adult above age 18
Presumptive Disability Any Gainful Work/Occupation/Business
Presumptive Disability
Activities of Daily Living

• Maximum limit for TPD is RM8 mil per life.
• If the aggregate of the amount payable for TPD exceeds the TPD Limit of RM8 mil per life, only the TPD Limit shall be paid
and the balance of the TPD Benefit under Accelerated Disability Rider shall be payable upon death of the Person Covered.
The balance of the TPD Benefit is not payable on the Certificate Maturity/Expiry Date.
56
Old Age Disablement (OAD)
• Disability at ANB 66 and thereafter due to accident or

sickness certified by 2 appointed Medical Practitioners; and
• Disability happens for 6 consecutive months; and
• Disability is not pre-existing; and
• Cannot perform 3 out of 5 ADL below without assistance:
Using the
Mobility Bathing Dressing Eating
lavatory
• Maximum limit for OAD is RM1 mil per life

• If the aggregate of the amount payable for OAD exceeds the OAD Limit of RM1 mil per life, only
the OAD Limit shall be paid and the balance of the OAD Benefit under Accelerated Disability Rider
shall be payable upon death of the Person Covered. The balance of the OAD Benefit is not
payable on the Certificate Maturity/Expiry Date.
57
Eligibility
Covered Person Min Entry Age Max Entry Age Expiry Age
• Person Covered • 30 days old • 70 years old • 90 years old

next birthday* next birthday*
*Subject to basic plan’s maximum entry age and expiry age.
Coverage Term
At New Business At Certificate Servicing
• Same as basic coverage term • Same as remaining basic coverage

term during servicing stage
58
Rider Sum Covered
Minimum Maximum
• 10,000 • Basic Plan Sum Covered – 10,000*-

Accelerated Critical Illness Rider’s Sum
Covered
*Rider Sum Covered (RSC) has to be lower than BSC by at least 10,000 to make sure the basic plan is still in force even
when there is a claim on this rider.
Change in Rider Sum Covered

Increase the RSC during Basic Contribution Increase the RSC after end of Basic
Payment Term Contribution Payment Term
• Allowable at the next basic contribution • Allowable.
due date. • Subject to UW & sustainability.
• Subject to UW & sustainability. • May require Single or Regular Additional
• Basic contribution is paid up to date. Contribution for the remaining basic
• May require increase in basic contribution. coverage term (limited pay for Regular
Additional Contribution after end of Basic
Contribution Payment Term is not
available).
Note: Decrease in Rider Sum Covered is allowed. However, contribution will remain the same.
59
Exclusions: Accelerated Disability Rider
No Benefit shall be payable if TPD or OAD results directly or indirectly from:
(a) self-inflicted injury while sane or insane; or

(b) under the influence of any alcohol, narcotics or drugs; or
(c) entering, operating or servicing, ascending or descending, from or with any aerial device or
conveyance except while the Person Covered is in an aircraft operated by a commercial passenger
airline on a regular scheduled passenger trip over its established passenger route; or
(d) service in the armed forces or participation in military manoeuvre or activities or in any acts of war
(declared or undeclared) or terrorism; or
(e) declared war or undeclared war, invasion, act of foreign enemy, hostilities, civil war, rebellion,
revolution, insurrection, military or usurped power, riot or civil commotion; or
(f) any act of terrorism and any action taken in controlling, preventing, suppressing or any way relating
to these activities; or
(g) from any criminal violation or attempted violation of the law or resistance to arrest; or
(h) involvement in any dangerous sports or hobbies such as racing (other than on foot), glider flying,
sailing or other hobbies which are comparably dangerous and risky unless sports risk contribution is
paid; or
(i) any illness or disease arising from or suffered as a result of the above; or
(j) any conditions that existed prior to or at the Commencement Date or any reinstatement date,
whichever is later.
60
Accelerated Critical Illness
Rider Sum Covered
accelerated from BSC
Payable when the person covered is diagnosed with any of the 36 critical illnesses.
For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, claim
payment is limited to 10% of the Rider Sum Covered (subject to a maximum of
RM25,000). In the event of subsequent CI the remaining Rider Sum Covered will be
payable.
Benefit is payable once only and once claim is paid, the Rider Sum Covered shall be
reduced by the amount payable herein. Payment of Rider Sum Covered will reduce
the basic plan Sum Covered accordingly.
Juvenile Lien shall apply to Rider Sum Covered
61
List of Covered 36 Critical Illness
1. Stroke – resulting in permanent neurological deficit with persisting clinical symptoms
2. Heart Attack – of specified severity
3. Kidney Failure – requiring dialysis or kidney transplant
4. Cancer – of specified severity and does not cover very early cancer
5. Coronary Artery By-Pass Surgery
6. Serious Coronary Artery Disease
7. Angioplasty and Other Invasive Treatments for Coronary Artery Disease
8. End-Stage Liver Failure
9. Fulminant Viral Hepatitis
10. Coma – resulting in permanent neurological deficit with persisting clinical symptoms
11. Benign Brain Tumor – of specified severity
12. Paralysis of Limbs
13. Blindness – Permanent and Irreversible
14. Deafness – Permanent and Irreversible
15. Third Degree Burns – of specified severity
16. HIV Infection Due to Blood Transfusion
17. End-Stage Lung Disease
18. Encephalitis – resulting in permanent inability to perform Activities of Daily Living
62
List of Covered 36 Critical Illness
19. Major Organ/Bone Marrow Transplant
20. Loss of Speech
21. Brain Surgery
22. Heart Valve Surgery
23. Terminal Illness
24. Bacterial Meningitis - resulting in permanent inability to perform Activities of Daily Living
25. Major Head Trauma – resulting in permanent inability to perform Activities of Daily Living
26. Chronic Aplastic Anemia – resulting in permanent bone marrow failure
27. Motor Neuron Disease – permanent neurological deficit with persisting clinical symptoms
28. Parkinson’s Disease – resulting in permanent inability to perform Activities of Daily Living
29. Alzheimer’s Disease/Severe Dementia
30. Muscular Dystrophy
31. Surgery to Aorta
32. Multiple Sclerosis
33. Primary Pulmonary Arterial Hypertension – of specified severity
34. Medullary Cystic Disease
35. Cardiomyopathy – of specified severity
36. Systemic Lupus Erythematosus with Severe Kidney Complications
63
Eligibility

next birthday* next birthday
*subject to the maximum age limit of the basic plan.
Coverage Term
• Min (Expiry Age – Entry Age of Person • Min (Expiry Age – Entry Age of Person
Covered, Basic Coverage Term) Covered upon addition of this rider,
Remaining Basic Coverage Term)
64
Rider Sum Covered
Minimum Maximum
• 10,000 • Basic Plan Sum Covered – 10,000*-
Accelerated Disability Rider’s Sum Covered
*Rider Sum Covered (RSC) has to be lower than BSC by at least 10,000 to make sure the basic plan is still in force even
when there is a claim on this rider.

• Allowable at the next basic contribution • Allowable.
due date. • Subject to UW & sustainability.
• Subject to UW & sustainability. • May require Single or Regular Additional
• Basic contribution is paid up to date. Contribution for the remaining basic
• May require increase in basic contribution. coverage term (limited pay for Regular
Additional Contribution after end of Basic
available).
65
Exclusions: Accelerated Critical Illness
No Benefit under this Supplementary Takaful as at the date of admission of claim by Us shall be payable if
Covered Diseases result directly or indirectly from:
1. Pre-Existing Illness;
2. The signs or symptoms of the Covered Diseases are manifested prior to or:
(a) within sixty (60) days from the Commencement Date or any reinstatement date of this
Supplementary Takaful, whichever is the latest in respect of:
• Angioplasty and other invasive treatments for coronary artery disease
• Cancer
• Coronary artery disease requiring surgery
• Heart attack
• Serious coronary artery disease
(b) within thirty (30) days from the Commencement Date or any reinstatement date of this
Supplementary Takaful, whichever is the latest for all other Covered Diseases not set out
in item (i) above.
3. For Person Covered who is a juvenile, any congenital defects/damages are specifically excluded;
4. Other than the first incidence of the Covered Diseases;
5. 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
6. Death of the Person Covered within thirty (30) days following the date of diagnosis of any of the
Covered Diseases.
66
Hospital Income Benefit
Hospital Benefit
Payable when the person covered is in
confinement/hospitalization due to illness or injury
of the Person Covered during the certificate term up
to 70 years old next birthday or follow Basic
Coverage Term, whichever is earlier.
Benefit payable = No. of days in confinement x Daily Benefit

Daily Benefit is based on the number of units.
1 unit = RM50 (calculated in multiple of RM50 per unit)
67
Coverage - Based on number of units chosen by the Person Covered
Each unit is calculated on the multiple of 50 (1 unit= RM50).

Minimum unit is 1.
For Adult (Income earner)

Maximum unit allowed is Max[1, Min(10, (Basic plan sum covered/400)/50)].
For Juvenile or Non-income earner

Maximum unit allowed is Max[1, Min(2, (Basic plan sum covered/400)/50)].
Note: the calculation will be rounded to the nearest integer.
68
Eligibility

*subject to the basic plan’s maximum entry age and expiry age.
Change in Rider Coverage

Increase the Rider Coverage during Basic Contribution Payment Term
• Allowable at the next renewal stage.

• Subject to UW & sustainability.
• Basic contribution is paid up to date.
• May require increase in basic contribution.
69
Exclusions: Hospital Income Benefit
The hospitalisation benefit shall not be payable:
a) for more than the first fifty-two (52) weeks of any longer period during which the Person
Covered is continuously confined to the Licensed Hospital (two or more Periods of
Confinement for the same or related causes being deemed to be continuous confinement) if
the period between two consecutive periods of confinement is not more than thirty (30) days;
b) in respect of the whole of any period continuous confinement to Licensed Hospital if any part
of such period occurs during the thirty (30) days after the effective date or the thirty (30) days
after reinstatement of this Supplementary Takaful at any time;
c) in respect of any Period of Confinement to Licensed Hospital for an illness or injury occurring
before payment of the first Tabarru’ amount for this Supplementary Takaful;
d) in respect of any Period of Confinement to Licensed Hospital which occurs after the
Supplementary Takaful Anniversary of the effective date next following the attainment by the
Person Covered of the age of seventy (70) years, age next birthday, or after the end of the
term of the Basic Certificate;
70
Exclusions: Hospital Income Benefit
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 days of confinement that are not medically necessary;
g) pre-existing Illness or any conditions that are pre-existing prior to the day the certificate is effected
or reinstated;
h) treatment of the gums, teeth or direct supporting structure, except where necessitated by an injury;
i) cosmetic surgery of any kind except as a result of an injury;
j) treatment arising as a result of birth defects, hereditary, congenital anomalies or related conditions;
k) convalescent care, rest care, hospice care, rehabilitation or similar treatment; and
l) for infant below age thirty (30) days after birth as at the date of Takaful event.
71
Medi-Auni 2
Hospital & Surgical Benefits

(Plan 200, 300 and 500)
Provides coverage in the event of Person Covered is hospitalized or a surgical
procedure has been performed due to accident or illnesses covered under this plan.
Provides options of deductible amount prior to and after attaining the retirement age
of 60 years old. Deductible means a fixed amount of eligible expenses to be borne by
Participant before making claim from the takaful coverage.
72
Medi-Auni 2 – Coverage Term
Covered Person Term
Adult/Juvenile Min (Expiry Age – Entry Age, Basic Certificate Term)

Dependent Parents Min (Expiry Age – Entry Age, Participant’s rider term)
Dependent Spouse Min (Expiry Age – Entry Age, Participant’s rider term)
Dependent Children Min (Expiry Age - Entry Age, Participant’s rider term)
Note: Guaranteed yearly renewable up till the end of the term, subject to the condition
that operator continues to transact this class of business.
73
Medi-Auni 2 – Multiple Plan per Life
 Up to two (2) Medi-Auni and/or Medi-Auni 2 plans can be attached per life.
 For multiple Medic Pro, Medi-Auni and Medi-Auni 2 plan, the Room & Board
limit must not exceed RM 800 per life. The limit also applies across
different certificates.
 If the Person Covered is covered by more than one Medic Pro, Medi-Auni
and Medi-Auni 2 plan, we will request the Participant to indicate under
which plan the claim is being made. If the Participant does not indicate
which plan to claim from, we will decide based on our discretion.
74
Medi-Auni 2 – Family Extension
Father Mother
Own Spouse
6 Children
Child Child Child Child Child Child
75
Medi-Auni 2 – Family Extension
Own : Plan 500
Parent : Plan 500
Spouse : Plan 500
Child : Plan 300
Child : Plan 300

The Medi-Auni 2 plans that can be extended to Dependent Parents, Dependent Spouse
and/or Dependent Children must each not exceed the Participant’s total Room & Board limit.
76
Medi-Auni 2 – Deductible Options
Option 1 Option 2 Option 3 Option 4
Pre-Retirement RM RM RM
Deductible RM 0
20,000 20,000 20,000
Post-Retirement RM
RM 0 RM 5,000 RM 0
Deductible 20,000
Notes:
1. The deductibles are applicable to all of the Benefits stated in Schedule of Benefits for Medi-Auni 2 &
Million Extra-i 2 except for Daily Cash amount for Hospitalisation due to road accidents on a Malaysian
Highway, Daily Cash allowance for each day confined in a Government Hospital, Outpatient Cancer
Treatment, Outpatient Kidney Dialysis Treatment and Emergency Evacuation & Repatriation.
2. The post-retirement deductible option shall take effect from the next rider anniversary immediately
after the Person Covered’s 60th birthday.
77
Medi-Auni 2 – Waiting Period
0 30 days 120 days
All illness
120 days for treatment of Specified Illness
Any medical or physical The following specified illnesses are subject to the waiting period
conditions are subject to of 120 days:
the waiting period of 30
days (when the person is a) Hypertension, diabetes mellitus and Cardiovascular Disease
first covered). b) All tumours, cancers, cysts, nodules, polyps, stones of the
urinary system and biliary system
c) All ear, nose (including sinuses) and throat conditions
d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele
e) Endometriosis including Disease of the Reproduction system
f) Vertebro-spinal disorders (including disc) and knee
conditions
• This waiting period is not applicable if hospitalization and surgical are due to Accident.
• However, if there is a break in Takaful contract, the Waiting Period shall apply again.
78
Medi-Auni 2 – No Claim Incentive
 Auto Increase in Annual Limit. Increase by 10% of initial Annual Limit every 5 years
(provided no approved claim and No Claim Incentive within 5 the years period prior
to each increase) up to maximum of 50% of initial Annual Limit.
 The company can retract the increased Annual Limit should there be any backdated
claim approved after the increment annual limit.
Example: Encik Ali, male non-smoker age 30 years old, class 1. Medi Auni 2 Plan 200.
Annual Limit : RM 120K Annual Limit : RM 132K Annual Limit : RM 132K Annual Limit : RM 144K
No Claim No Claim
Year 1 Year 7 Year 8 Year 13 Year 18
Year 5
Increased Increased
Approved
10% of Initial another 10% of
Claim
Annual Limit Initial Annual
Limit
79
Medi-Auni 2 - Schedule of Benefits
Designated Plan Plan Plan Plan

200 300 500
Hospital & Surgical Amount (RM)
Hospital Room and Board
200 300 500
(Limit per day, up to 150 days per Rider Year)
Daily Cash as a result of hospitalization due
to road accidents on a Malaysian Highway 200 300 500
(Up to 150 days per Rider Year)
Daily Cash Allowance at Government Hospital
100 150 250
80
Designated Plan Plan Plan Plan 500
200 300
Intensive Care Unit
Lodger Expenses
As charged, subject to
Hospital Supplies and Services Reasonable & Customary Charges
Surgical Fees
(including pre-surgical assessment, Specialist’s
visits and post-Surgery care up to 60 days from
the date of Surgery)
81
Designated Plan Plan Plan Plan 500
200 300
Anesthetist and Operating Theatre Fee
Organ Transplant
Day Surgery
Ambulance Fees Reasonable & Customary Charges
In-Hospital Physician Visit
In-Hospital Physiotherapy Treatment Fees
82
Designated Plan Plan 200 Plan 300 Plan 500
Pre-Hospitalisation
(Within 60 days prior to hospitalisation)
- Pre-Hospital Diagnostic Tests As charged, subject to Reasonable &
- Pre-Hospital Specialist Consultation Customary Charges
Post-Hospitalisation
Within 60 days discharge from hospital
Post-Hospitalisation Up to RM1000 or 10 visits
- Alternative Treatment per Rider Year
Chiropractic Chiropody Homeopathy Osteopathy Acupuncture
83
200 300 500
Outpatient Treatment
- Emergency Accidental Outpatient Treatment
(Subject to a maximum of 30 days from the date of
accident)
- Emergency Accidental Dental Treatment
Reasonable &
- Outpatient Physiotherapy Treatment
Customary Charges
Within 90 days from the date of Hospital discharge of
Surgery
- Outpatient Cancer Treatment
- Outpatient Kidney Dialysis Treatment
84
200 300 500
Intraocular Lens Up to RM3000 per Surgery per
eye and RM6000 per lifetime
Home Nursing Care
60 80 120
(Up to 180 days per lifetime)
Initial Overall Annual
120,000 180,000 300,000
(Per Rider Year limit)
Emergency Evacuation & Repatriation
250,000 250,000 250,000
(Limit per event)
Lifetime Limit No Lifetime Limit
85
Medi-Auni 2 – Optional Benefits
86
Medi-Auni 2 & Million Extra-i 2
Schedule of Benefits
Benefits under Million Extra-i 2 (if attached)
Amount (RM)
Million Extra-i 2 Overall Annual
(per Rider Year) Limit 1,000,000
Deductible per Rider Year 120,000 180,000 300,000

Total Initial Overall Annual
(per Rider Year) limit 1,120,000 1,180,000 1,300,000
(Medi-Auni 2 + Million Extra-i 2)
Lifetime Limit No Lifetime Limit
87
Medi-Auni 2 & Million Extra-i 2
Example: Encik Ali, male, non-smoker, age 30 years old, class 1, Medi Auni 2 Plan 500,
Million Extra-i 2.
1/1/2020 Claim on 5/7/2020 6/7/2020 - 12/12/2020 Auto reset on 1/1/2021
Medi-Auni 2 : RM 300K Claim Paid : RM700K Balance from Million Extra-i 2 Medi-Auni 2 : RM300K
Million Extra-i 2 : RM1Mil Medi-Auni 2 : RM300K RM600K Million Extra-i 2 : RM1Mil
Total Annual Limit : RM1.3MIl Million Extra-i 2 : RM400K Total Annual Limit : RM1.3MIl
88
Overseas Treatment 2 for Selected
Surgeries – Schedule of Benefits
Hospital and Surgical Plan Type Geographical
Coverage
Hospital Room & Board
(limit per day, subject to a maximum of 150 days per Rider Year)
Intensive Care Unit (up to a maximum of 75 days per Rider Year)
Lodger Expenses (up to a maximum of 150 days per Rider Year) As charged
for the
Hospital Supplies & Services
covered list
Surgical Fees of surgical Singapore,
(including pre-surgical assessment, Specialist’s visits and post-Surgery procedures, Hong Kong
care up to 60 days from the date of Surgery) subject to or China
Anesthetist and Operating Theatre Fees Reasonable
and
Day Surgery Customary
Ambulance Fees Charges
In-Hospital Physician Visit
(up to 2 visits per patient per day and 150 days per Rider Year)
In-Hospital Physiotherapy Treatment Fees 89
Hospital and Surgical Plan Type Geographical
Coverage
Pre-Hospitalisation Diagnostic Tests (within 60 days prior to
hospitalisation) (i) For treatment in
Pre-Hospitalisation Specialist Consultation Singapore, Hong
(within 60 days prior to hospitalisation) Kong or China. As
charged for the
Post-Hospitalisation Treatment covered list of
(within 60 days following discharge from hospital) surgical procedures,
Outpatient Treatment subject to
Reasonable and Malaysia,
Outpatient Physiotherapy Treatment Singapore,
Customary Charges
(within 90 days from the date of Hospital discharge or Surgery Hong Kong or
(ii) For treatment in
Outpatient Cancer Treatment Malaysia: benefits China
are capped at
Outpatient Kidney Dialysis Treatment RM8,000 per
Home Nursing Care disability
(up to 180 days per lifetime)
Per Any One Disability Limit RM250,000.00
Overseas Treatment 2 Overall Annual (Per Rider Year) Limit RM250,000.00
90
Overseas Treatment 2 Lifetime Limit RM2,500,000.00
If the Person Covered seeks treatment overseas, benefits in respect of the treatment shall be covered
and payable, provided that:
 the Person Covered travels abroad for a reason other than for medical treatment, needs to be
confined to a Hospital outside Malaysia as a consequence of a Medical Emergency;
 the Person Covered upon recommendation of a Physician and has to be transferred to a Hospital
outside Malaysia because the specialized nature of the treatment, aid, information or decision
required can neither be rendered nor furnished nor taken in Malaysia.
 disease, Sickness or Injury which is diagnosed in Malaysia and non- emergency or chronic conditions
where treatment can reasonably be postponed until return to Malaysia are excluded.
 with this Benefit, Person Covered will have the option to receive Overseas Treatment 2 for selected
surgeries in Singapore, Hong Kong or China.
 participant is required to seek approval from the Takaful Operator prior to utilising this Benefit.
Approval will be granted if the surgery required for the illness/ condition is covered (as stated
above).
 payment of claim would be on a reimbursement basis.
Coronary Artery
Surgery Neurosurgery Bypass Surgery Major Organ Transplant
Heart Valve Surgery
(Kidney,Lung,liver,heart,
(Related to Cancer)
pancreas and bone marrow)
91
Medi-Auni 2 - Operational Guidelines
Eligibility

• Dependent • Participant’s • 70 years old • Follow

Parents entry age next birthday* participant’s
expiry age*
• Dependent • 18 years old • 70 years old • Follow
Spouse next birthday next birthday* participant’s
expiry age*
• Dependent • 30 days old • 17 years old • 23 years old
Child next birthday* ANB*,
unmarried
92
Medi-Auni 2 – Change of Plan
Change in Deductible Options
• Participant may request to change their deductible options (pre-retirement & post retirement
deductible options) on rider anniversary date.
• Request to reduce deductible amount is subject to underwriting approval. During the waiting
period the old benefit limit shall apply.
Conversion
• Participant are not allowed to convert their existing medical rider to Medi-Auni 2 Rider.
Upgrade/Downgrade
• Participant are allowed to change their plan, from lower plan to higher plan or vice versa on the
rider anniversary date subject to underwriting approval.
93
Million Extra-i 2 – Change of Plan
Upgrade/Downgrade
• Million Extra-i 2 is tagged to Medi-Auni 2 rider, hence, if there is

any change of plan/upgrade, Million Extra-i 2 will need to
changed accordingly.
• Any upgrade is subject to underwriting approval. These riders are
subject to waiting period again and during the waiting period, old
limit shall apply.
• Thus, Deductible per Rider Year for Million Extra-i 2 during this
waiting period will also follow the old deductible amount.
94
Medi-Auni 2 - Exclusions
1. Pre-existing Illness.
2. Specified Illnesses occurring during the first one hundred and twenty (120) days of the continuous cover.
3. Any medical or physical conditions arising within the first thirty (30) days of the Person Covered’s cover or date of reinstatement whichever is latest except for
accidental injuries.
4. Plastic/Cosmetic Surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use
or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers, and prescriptions thereof.
5. Dental conditions including dental treatment or oral Surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the
Period of Takaful.
6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal Disease and its sequelae, AIDS (Acquired Immune Deficiency
Syndrome) or ARC (AIDS Related Complex) and HIV related Diseases, and any communicable Diseases required quarantine by law.
7. Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.
8. Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive
methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation.
9. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or
diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried
out by a Physician, and treatments specifically for weight reduction or gain.
10. Suicide, attempted suicide or intentionally self-inflicted Injury while sane or insane.
11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil
commotion or insurrection.
12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.
13. Expenses incurred for donation of any body organ by a Person Covered and costs of acquisition of the organ including all costs incurred by the donor during organ
transplant and its complications.
14. Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies
including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other
alternative treatment.
15. Care or treatment for which payment is not required or to the extent which is payable by any other takaful or indemnity covering the Person Covered and
Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Takaful Contract.
16. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations).
17. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other
ineligible nonmedical items.
18. Sickness or Injury arising from racing of any kind (except foot racing), hazardous spots such as but not limited to skydiving, water skiing, underwater activities
requiring breathing apparatus, winter sports, professional sports and illegal activities.
19. Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.
20. Expenses incurred for sex changes
95
Medi-Auni 2 - Exclusions
1. This Supplementary Takaful does not cover, and We shall not in any circumstance be liable for, the following:
• medical treatment provided outside of Malaysia to a Person Covered who is not a citizen of Malaysia;
• medical treatment provided outside of Malaysia to a Person Covered who does not ordinarily reside in
Malaysia;
• medical treatment provided outside of Malaysia to a Person Covered who travels or resides outside
Malaysia for more than ninety (90) consecutive days;
• medical treatment provided in any country (other than Malaysia) to a Person Covered who is a permanent
resident of such country;
• medical treatment provided outside of Malaysia to a Person Covered pursuing a course of study outside of
Malaysia; and
• medical treatment provided outside of Malaysia to a Person Covered who is exercising employment
(whether temporary or otherwise) outside of Malaysia unless notice of such employment outside of
Malaysia shall have been given to Us and PROVIDED ALWAYS THAT We shall have agreed that We
approved the same subject to the terms and conditions as may be determined by Us and shall then
become effective.
2. Person Covered who travels abroad for medical treatment, subject to Clause 12 under Section B.
96
Waiver of Contribution on Critical
Illness
Future remaining contributions
under basic plan
When the person covered is diagnosed with any of the 36 critical illnesses, the
future basic contributions under the basic plan will be waived until the basic
plan terminates or until end of the basic contribution term, whichever is earlier.
Eligibility
• Person • 30 days old • 60 years old • 90 years old
Covered next birthday* next birthday*
97
Illness
Waiting Period
60 days from the commencement date or date of reinstatement:
 Cancer – of specified severity and does not cover very early cancer
 Coronary Artery By-Pass Surgery
 Heart Attack – of specified severity
 Serious Coronary Artery Disease
 30 days from the commencement date or date of reinstatement: Other Critical

Illnesses
Survival Period
• 30 days from the diagnosis date.
98
Illness
No Critical Illness Waiver Benefit under this Supplementary Takaful shall be payable 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 sixty (60) days from the Commencement Date or any Reinstatement Date of this Supplementary
Takaful, 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
 Serious Coronary Artery Disease
ii. within thirty (30) days from the Commencement Date or any reinstatement date of this Supplementary
Takaful, whichever is the latest for all other Covered Diseases not set out in item (i) above.
c. For Person Covered who is a juvenile, any congenital defects/damages are specifically excluded;
d. Other than the first incidence of the Covered Diseases;
e. Any injury or illness caused directly or indirectly, wholly or partly, by self-inflicted injury while sane or insane,
wilful misuse of alcohol and/or the taking of drugs other than under the direction of a registered Medical
Practitioner; or
f. The Person Covered’s death within thirty (30) days following the date of diagnosis of any of the Covered Diseases.
99
Payor Care 3
Future basic
contribution
In the event that the Participant dies
during the coverage term or suffers TPD
prior to age 65, the future basic
contribution to be waived until the end
of the basic contribution term.
100
Payor Care 3
Eligibility
• Participant • 18 days old • 70 years old • 80 years old

Coverage Term
• Min (Expiry Age of the Participant – • Min (Expiry Age of Participant - Entry
Entry Age of Participant, Basic Age of Participant upon addition of
Contribution Payment Term) this rider, Remaining Basic
Contribution Payment Term)
101
Exclusions: Payor Care 3
a) No death Benefit payment shall be applicable if death results directly or indirectly from suicide within
twelve (12) months from the Commencement Date.
b) No Benefit of the Certificate shall be payable if TPD results directly or indirectly from:
(i) self-inflicted injury while sane or insane;or
(ii) under the influence of any alcohol, narcotics or drugs;or
(iii) entering, operating, or servicing, ascending or descending, from or with any aerial device or
conveyance except while You are in an aircraft operated by a commercial passenger airline on a regular
scheduled passenger trip over its established passenger route;or
(iv) service in the armed forces or participation in military manoeuvre or activities or in any acts of war
(declared or undeclared) or terrorism; or
(v) by war (declared or undeclared), invasion, act of foreign enemy, hostilities, civil war, rebellion,
revolution, insurrection, military or usurped power, riot or civil commotion;or
(vi) by or arising from any act of Terrorism and any action taken in controlling, preventing, suppressing
or any way relating to these activities;or
(vii) from any criminal violation or attempted violation of the law or resistance to arrest;or
(viii) involvement in any dangerous sports or hobbies such as racing (other than on foot), glider
flying,sailing or other hobbies which are comparably dangerous and risky unless sports risk contribution
is paid;or
(ix) any illness or disease arising from or suffered as a result of the above;or
(x) any conditions that existed prior to or at the Certificate Issue Date of this Benefit or the date of
any reinstatement, whichever is later.
102
Accidental Riders
Accidental Death &
Dismemberment
Accidental
Riders Accidental
Weekly Indemnity Medical
Reimbursement
103
Accidental Death and Dismemberment 3
Additional Coverage
Payable if the Person Covered due to accident within
the period of coverage:
1) Dies
2) Suffers Total and Permanent Disability (TPD)
3) Suffers Partial and Permanent Disability (PPD)
104
ACCIDENTAL DEATH AND
DISMEMBERMENT 3
Death & Dismemberment Indemnity Double Indemnity
Accidental Death / Accidental Death /

Accidental PPD Accidental PPD
TPD TPD
100% of the Sum A percentage of the Double Sum Covered Double percentage
Covered shall be paid Sum Covered shall be shall be paid the Sum Covered shall
payable according to be payable according
Schedule of to Schedule of
Indemnity Indemnity
105
Schedule of Indemnity
Item Category % of Rider Sum Covered
a. Loss of life 100
b. Total & permanent disability 100
c. Loss of arm
• At shoulder
• Between shoulder and elbow 100
• At elbow
• Between elbow and wrist
d. Loss of hand at wrist 100
e. Loss of leg
• At hip
100
• Between knee and hip
• Below knee
f Loss of eye
• Whole eye 100
• Sight 100
• Sight, except of perception of light 50
• Lens 50
106
g. Total loss of speech 50
h. Loss of hearing
75
• Both ears
25
• One ear
i. Loss of four fingers and thumb of one hand 50
j. Loss of four fingers of one hand 40
k. Loss of thumb
• Both phalanges 25
• One phalanx 10
l. Loss of index finger
• Three phalanges 10
• Two phalanges 8
• One phalanx 4
m. Loss on middle finger
• Two phalanges 4
• One phalanx 2
107
n. Loss of ring finger
• Two phalanges 4
• One phalanx 2
o. Loss of little finger
• Two phalanges 3
• One phalanx 2
p. Loss of metacarpals
• First or second (additional) 3
• Third, fourth or fifth (additional) 2
q. Loss of toes
• All 15
• Great, both phalanges 5
• Great, one phalanx 2
• Other than great, of more than one toe lost each 1
108
Double Indemnity
Payment of indemnity will be doubled if the loss is sustained:
While the Person Covered is a

passenger within any While the Person Covered is in In consequence of the burning
mechanically propelled and an elevator car (elevators in of any theatre, hotel or other
non-aerial Public Conveyance mines and construction sites public building in which the
over established land excluded); or Person Covered shall be at the
transportation routes on commencement of the fire.
regular passenger services; or
109
Eligibility
Covered Person Min Entry Age Max Entry Age* Expiry Age*
Person Covered 30 days 60 years old 65 years old
Coverage Term
Min (Expiry Age – Entry Age of Person Min (Expiry Age – Entry Age of Person
110
Rider Sum Covered
For Adult
Minimum Maximum
RM 10,000 Min (RM1,000,000 per life, 5 times Basic

Sum Covered)
For Juvenile
Minimum Maximum
RM 10,000 Min (RM250,000 per life, 5 times Basic

Sum Covered)
111

Increase the RSC during Increase the RSC after end of
Basic Contribution Payment Term Basic Contribution Payment Term
Allowable Allowable
at the next Basic CDD
Notes:
Notes: • subject to underwriting, no claim made and
• subject to underwriting, basic contribution paid up sustainability of the certificate.
to date, no claim made and sustainability of the • The sustainability checking will be done by the
certificate. user using the Benefit Illustration (CAD) that is
• The sustainability checking will be done by the designed for alteration stage.
user using the Benefit Illustration (CAD) that is • May require Single or Regular Additional
designed for alteration stage. Contribution for the remaining basic coverage
• May require increase in basic contribution term (limited pay for Regular Additional
Contribution after end of Basic Contribution
Payment Term is not available)
112
Juvenile Lien
In the event of the death, TPD or PPD of the Person Covered due to accident occurring
before the Certificate Anniversary Date following the Person Covered’s fourth (4th)
birthday, the amount payable under this rider shall be reduced as follows:
Age Next Birthday at Death or Disability Percentage of Amount Payable Reduced to

0 - 1 year 20%
2 years 40%
3 years 60%
4 years 80%
5 years onwards 100%
113
Accidental Medical Reimbursement 3
 Actual medical expenses

 Admission to hospital/nursing service
due to accidental bodily injury incurred within 104 weeks from the date of accident
Note: Pre-requisite for this rider is Accidental Death and Dismemberment 3 (ADD3) Rider.
104 weeks
114
Inpatient Treatment Outpatient Treatment
Reimbursement of the actual Reimbursement of the actual

medical & surgical expenses, medical & surgical expenses,
subject to a maximum of subject to a maximum of
Of the Rider Sum Covered amount Of the Rider Sum Covered amount
for each accident
115
Eligibility
Person Covered 30 days 60 years old 65 years old
*subject to maximum age limit of the basic plan.
Coverage Term
Follow coverage term for Accidental Follow remaining coverage term for
Death and Dismemberment 3 (ADD3) ADD3 if ADD3 is already attached.
Rider.
116
Rider Sum Covered

Minimum Maximum
RM1,000 Min (RM10,000, 10% of ADD3 Sum
Covered)
Note: Change in Rider Sum Covered is not allowed.
117
Exclusion
The Accidental Medical Reimbursement Benefit shall not be payable upon any one (1) of the following
occurrences:
a. self-inflicted injury while sane or insane;

b. under the influence of any alcohol, narcotics or drugs;
c. entering, operating, or servicing, ascending or descending, from or with any aerial device or
conveyance except while the Person Covered are in an aircraft operated by a commercial passenger
airline on a regular scheduled passenger trip over its established passenger route;
d. service in the armed forces or participation in military manoeuvre or activities or in any acts of war
(declared or undeclared) or terrorism;
e. declared war or undeclared war, invasion, act of foreign enemy, hostilities, civil war, rebellion,
revolution, insurrection, military or usurped power, riot or civil commotion;
f. any act of terrorism and any action taken in controlling, preventing, suppressing or any way relating
to these activities;
118
Exclusion
g. from any criminal violation or attempted violation of the law or resistance to arrest;
h. involvement in any dangerous sports or hobbies such as racing (other than on foot), glider flying,
sailing or other hobbies which are comparably dangerous and risky unless sports risk contribution is
paid;
i. any illness or disease arising from or suffered as a result of the above; or
j. any conditions that existed prior to or at the Commencement Date or any reinstatement date,
whichever is later.
119
Weekly Indemnity 3
In the event Person Covered due to accident suffers
Temporary Total Temporary Partial

Disability Disability
Rider Sum Covered will be payable for each week,

during the period of the disability
Note: Pre-requisite for this rider is Accidental Death and Dismemberment 3 (ADD3) Rider.
120
Weekly Indemnity 3
Eligibility
Person Covered 18 years old 60 years old 65 years old
*subject to basic plan’s maximum entry age and expiry age.
Coverage Term
Follow coverage term for Accidental Follow remaining coverage term for
Death and Dismemberment 3 (ADD3) ADD3 if ADD3 is already attached.
Rider.
121
Weekly Indemnity 3
Rider Sum Covered
Minimum Unit Maximum Unit
1 Unit Subject to Person Covered’s occupational
class, weekly income, underwriting
requirement and Accidental Death and
Dismemberment 3 (ADD3) Rider’s Sum
Covered.
Note: Change in Rider Sum Covered is not allowed.
Sum Covered per unit Note: Assuming Rider Sum Covered = 1 unit = RM 100
Temporary Total
Total amount payable is RM 100 per unit per week.
Disability
Temporary Partial
Total amount payable is RM 50 per unit per week.
Disability
122
Weekly Indemnity 3
 The maximum period for benefit payment for both Temporary Total Disability and
Temporary Partial Disability above (combined) is 104 weeks for each Accident.
 The maximum unit of WI3R is set at the lesser of the following:
A. ADD3 Sum Covered Factor

ADD3 Sum Covered Max. WI3R unit
< 100,000 7
100,000 – 200,000 10
>200,000 14
B. Occupational Class Factor

Occupational Class Max. WI3R unit
1&2 14
3&4 7
123
Weekly Indemnity 3
C. Weekly Income Factor where Weekly Income =
Annual Income / 48 weeks / 100 (Round down)
Example of maximum unit calculation:
ADD3 Sum Covered = RM250,000 (maximum unit allowed is 14)

Occupational Class = 3 (maximum unit allowed is 7)
Annual Income = RM48,000 where Weekly Income = RM1,000 (maximum unit
allowed is 10)
Hence, the maximum number of units allowed = 7 units
124
Weekly Indemnity 3
Underwriting
1. Verification of the Occupational Class and Employment Status will be done at point
of Inception and Claims.
2. This rider is not applicable to non-income earners group.
3. In any event, the Takaful Operator will not indemnify the Person Covered for any
disability which persists for less than one (1) week.
125
Weekly Indemnity 3
Exclusion
The Temporary Total Disability and Temporary Partial Disability Benefit shall not be payable upon any one (1) of the
following occurrences:

c. entering, operating, or servicing, ascending or descending, from or with any aerial device or conveyance except
while the Person Covered are in an aircraft operated by a commercial passenger airline on a regular scheduled
passenger trip over its established passenger route;
d. service in the armed forces or participation in military manoeuvre or activities or in any acts of war (declared or
undeclared) or terrorism;
e. declared war or undeclared war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution,
insurrection, military or usurped power, riot or civil commotion;
f. any act of terrorism and any action taken in controlling, preventing, suppressing or any way relating to these
activities;
h. involvement in any dangerous sports or hobbies such as racing (other than on foot), glider flying, sailing or other
hobbies which are comparably dangerous and risky unless sports risk contribution is paid;
j. any conditions that existed prior to or at the Commencement Date or any reinstatement date, whichever is later.
126
Living Care 2
Future basic
contribution
In the event that the Participant
dies, suffers from TPD or OAD, or
diagnosed with any of the 36 critical
illnesses, the future remaining
contribution will be waived until the
end of the payment term.
Note:
1. This rider’s term will be up to Participant attaining ANB 80 or up to the end of the Basic
Contribution Term, whichever is earlier.
2. Survival period is 30 days from the diagnosis date (for Critical Illness only)
127
Living Care 2
Eligibility
Participant 18 years old 70 years old 80 years old
*subject to maximum age limit of the basic plan
Coverage Term
Min (Expiry Age of Participant – Entry Min (Expiry Age of Participant – Entry
Age of Participant, Basic Contribution Age of Participant upon addition of this
Payment Term) rider, Remaining Basic Contribution
Payment Term upon addition of this
rider)
128
Living Care 2 - Underwriting
Sum Covered at Risk = Annualised contribution to be waived * Factor
Rider Term Factor

Up to 15 years Equivalent to actual LC2R rider term
Above 15 years 15
Note: Living Care 2 Rider cannot co-exist with Payor Care 3 Rider
129
Living Care 2
List of 36 CI
7. Full Blown AIDS
130
Living Care 2
List of 36 CI
20. Loss of Speech
21. Brain Surgery
131
Living Care 2
Exclusion
No Benefit shall be payable if TPD/OAD results directly or indirectly from:

c. entering, operating, or servicing, ascending or descending, from or with any aerial device or conveyance except
while the Person Covered are in an aircraft operated by a commercial passenger airline on a regular scheduled
passenger trip over its established passenger route;
d. service in the armed forces or participation in military manoeuvre or activities or in any acts of war (declared or
undeclared) or terrorism;
e. declared war or undeclared war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution,
insurrection, military or usurped power, riot or civil commotion;
f. any act of terrorism and any action taken in controlling, preventing, suppressing or any way relating to these
activities;
h. involvement in any dangerous sports or hobbies such as racing (other than on foot), glider flying, sailing or other
hobbies which are comparably dangerous and risky unless sports risk contribution is paid;
j. any conditions that existed prior to or at the Commencement Date or any reinstatement date, whichever is later.
132
Living Care 2
Exclusion
No Benefit shall be payable if the Covered Disease results directly or indirectly from:
a. Pre-Existing Illness;
b. The signs or symptoms of the Covered Disease are manifested prior to or:
i. within sixty (60) days from the Commencement Date or any reinstatement date, 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
• Serious Coronary Artery Disease
ii. within thirty (30) days from the Commencement Date or any reinstatement date, 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 Participant within thirty (30) days following the date of diagnosis of any of the Covered Diseases.
133
Additional Critical Illness 3
Additional Coverage
Payable when the person covered is
diagnosed with any of the 36 critical illnesses.
For Angioplasty and Other Invasive

Treatments for Coronary Artery Disease, claim
payment is limited to 10% of the Rider Sum
Covered (subject to a maximum of
RM25,000).
Note: Benefit is payable once only and once claim is paid, the
Rider Sum Covered shall be reduced by the amount payable
herein. Survival period is 30 days from the diagnosis date.
134
Eligibility
Person Covered 30 days old 70 years old 80 years old
*subject to maximum age limit of the basic plan
Coverage Term
Min (Expiry Age – Entry Age of Person Min (Expiry Age – Entry Age of Person
135
Rider Sum Covered

Minimum Maximum
RM10,000 5 times Basic Sum Covered
136
Allowable Allowable
at the next Basic CDD Notes:
• Subject to underwriting and sustainability
Notes: of the certificate.
• Subject to underwriting, basic contribution • The sustainability checking will be done by
paid up to date and sustainability of the the user using the Benefit Illustration that
certificate. is designed for alteration stage.
• The sustainability checking will be done by • May require Single or Regular Additional
the user using the Benefit Illustration that Contribution for the remaining basic
is designed for alteration stage. coverage term (limited pay for Regular
• May require increase in basic contribution. Additional Contribution after end of Basic
available)
Note: Decrease in Rider Sum Covered is allowed.
137
Juvenile Lien
In the event the Person Covered is diagnosed to have suffered from any of the Covered
Diseases before the Certificate Anniversary Date following the Person Covered’s fourth
(4th) birthday, the amount payable under this rider shall be reduced as follows:
Age Next Birthday upon Percentage of Amount

diagnosis of Covered Diseases Payable Reduced to
1 20%
2 40%
3 60%
4 80%
138
List of 36 Critical Illness
7. Angioplasty and Other Invasive Treatments for Coronary Artery Disease
139
List of 36 Critical Illness
20. Loss of Speech
21. Brain Surgery
140
Exclusion
No Benefit shall be payable if Covered Diseases result directly or indirectly from:
a. Pre-Existing Illness;
b. The signs or symptoms of the Covered Diseases are manifested prior to or:
• within sixty (60) days from the Commencement Date or any reinstatement date, whichever
is the latest in respect of:
i. Angioplasty and other invasive treatments for coronary artery disease
ii. Cancer
iii. Coronary artery disease requiring surgery
iv. Heart attack
v. Serious coronary artery disease
c. within thirty (30) days from the Commencement Date or any reinstatement date, whichever is the
latest for all other Covered Diseases not set out in item (i) above.
141
Exclusion
d. For Person Covered who is a juvenile, any congenital defects/damages are specifically excluded;
e. Other than the first incidence of the Covered Diseases.
f. 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
g. Death of the Person Covered within thirty (30) days following the date of diagnosis of any of the
Covered Diseases.
142
Session 5
Benefit Illustration
143
Benefit Summary 1 - Own Self
Atan, Male, age 30 y/o, Class 1, Non-Smoker
Basic Sum Covered: RM100,000
Riders : Accelerated Disability RM50,000, Medi-Auni 2 Plan 200,
Deductible Option 1, Hospital Income Benefit 5 (2 units), Waiver of
Contribution on Critical Illness 4
Coverage & Payment Term: Up to age 80
Total Contribution: RM3500 yearly
30 y/o Medi-Auni 2 Hospital Income Waiver of Accelerated Death Maturity Benefit 80 y/o
Benefit 5 Contribution Disability Benefit Account Value
on Critical RM50,000 RM50,000 (non-guaranteed)
Illness 4 If no death claim,
Dengue at age 35 TPD at age 50 Death at age 70
Heart attack at age 40 maturity benefit
will be payable
144
Sample Quotation – Own Self
Hong Leong MSIG Takaful Berhad (738090-M)
Level 5, Tower B, PJ City Development
No. 15A, Jalan 219, Seksyen 51A
46100 Petaling Jaya, Selangor.
Tel : +603-7650 1800
Fax : +603-7620 6730
Details of Proposed Person Covered

Name Mr. ad
Date of Birth 1/1/1991
Entry Age at Next Birthday 30
Gender M
Smoker No
Occupational Class 1
Monthly Income (RM) 5,000.00
Proposed Participant's Particulars (if other than the Proposed Person Covered)
Name -
Entry Age at Next Birthday -
Gender -
Smoker -
Occupational Class -
Details of Proposed Participant (if other than the Person Covered)
Product Name HLM Takaful i-Flexi Protect
Certificate For Own
Plan Type Ordinary Family Takaful
Expiry Age 80
Basic Sum Covered (RM) 100,000.00
Final Payment Date 9/24/2069
Contribution Mode Annually
Continuous Coverage Option No
Benefits and Contribution Details
Final Contribution (RM)
Contribution Contribution
Sum Covered or Coverage Contribution Mortality
Plan Name Coverage For Paying Term Term to be
Benefit (RM) Term (years) Payment Annually Half Yearly Quarterly Monthly Loading 145
(years) Waived
Date
Basic
Person
HLM Takaful i-Flexi Protect 100,000.00 50 50 50 9/24/2069 3,500.00 1,750.00 875.00 291.67 0%
Covered
Rider
Person
Accelerated Disability
AccTPD 50,000.00 50 0%
Covered
Person
HIB Hospital Income Benefit 4 100.00 40 0%
Covered
Person
01 PC Medi-Auni 2 Card 1 Deductible Set 1 200.00 50 0%
Covered
Person
Waiver of Contribution on Critical Illness 4
WOCCI 3,500.00* 50 50 0%
Covered
Basic Contribution 3,500.00 1,750.00 875.00 291.67
Regular Additional Contribution .00 .00 .00 .00
Total Contribution 3,500.00 1,750.00 875.00 291.67
Tax - - - -
Total Contribution (inclusive of tax, if any) 3,500.00 1,750.00 875.00 291.67 -
Summary of Contribution Payment (ANNUALLY)

TOTAL CONTRIBUTION PAYABLE BY THE PROPOSED PARTICIPANT Annually (with loading and SST, if any) FROM 31/12/2019 TO 31/12/2083 RM 3,500.00
Details of Family Extension

Rider Name Medi-Auni 2
Benefit See Product Disclosure Sheet for Medi-Auni 2 Rider
Tel : +603-7650 1800
Fax : +603-7620 6730

Name Mr. ad
Gender M
Smoker No
Name -
Gender -
Smoker -
Certificate For Own

Expiry Age 80
Benefit (RM) Term (years) Payment Annually Half Yearly Quarterly Monthly Loading
(years) Waived
Date
Basic
Person
HLM Takaful i-Flexi Protect 100,000.00 50 50 50 9/24/2069 3,500.00 1,750.00 875.00 291.67 0%
Covered
Rider
Person
Accelerated
AccTPD Disability 50,000.00 50 0%
Covered
Person
Covered
Person
Covered
Person
Waiver
WOCCI of Contribution on Critical Illness 4 3,500.00* 50 50 0%
Covered
Basic Contribution 3,500.00 1,750.00 875.00 291.67
Total Contribution 3,500.00 1,750.00 875.00 291.67
Tax - - - -
Total Contribution (inclusive of tax, if any) 3,500.00 1,750.00 875.00 291.67 -


Number of Spouse
Number of Parents 0
Number of Children 0
* Sum Covered for Waiver of Contribution on Critical Illness 4 and Payor Benefit 3 rider are equivalent to total contribution to be waived Annually
Agent Particulars
Agent's Name Mr.adsd
Agent's Code 1
Date 24/Sep/20
146
How much is paid to intermediaries? What is payable upon death?
have paid? certificate early?

End of
Certificate Age
Total Contribution Paid To
have paid? Date
(refers to cumulative Management Expenses
Total Fee
How much is paid to intermediaries?
Total Direct Commission
To Date
Surrender Value
(Participant's Account (PA) Value)
certificate early?
Non-Guaranteed
(excluding guaranteed benefits amount
Death Benefits
What is payable upon death?
Non-Guaranteed
Year contribution to be paid (refers to cumulative
(refers to cumulative Guaranteed and any survival benefits kept with Guaranteed (PA Value)
from certificate inception)expenses to be paid from Surrender Value
Total Fee to be paid
commission takaful operator) Death Benefits
certificate inception) (Participant's Account (PA) Value)
Total Contribution Paid To from certificate inception)
Scenario X Scenario Y Scenario X Scenario Y
End of Date
Total Direct Commission Non-Guaranteed
1
Certificate 31
Age 3,500.00
(refers to cumulative Management 105.00
Expenses 2,275.00 - 146.48 158.77 100,000.00 180.84 196.01
To Date (excluding guaranteed benefits amount Non-Guaranteed
Year2 32 contribution to be paid
7,000.00 (refers to cumulative
665.00 3,675.00 -Guaranteed 771.88and any survival
817.48 100,000.00 771.88 817.48 (PA Value)
(refers to cumulative benefits kept with Guaranteed
from certificate inception) expenses to be paid from
3 33 10,500.00 1,715.00 commission to be paid
4,585.00 - 1,369.42 takaful operator)
1,461.29 100,000.00 1,369.42 1,461.29
certificate inception)
from certificate inception)
4 34 14,000.00 2,975.00 5,285.00 - 1,968.51 Scenario X2,123.25 100,000.00
Scenario Y 1,968.51 2,123.25X
Scenario Scenario Y
15 35
31 17,500.00
3,500.00 3,955.00 105.00 5,635.00 2,275.00 - - 3,210.69 3,461.23
146.48 100,000.00
158.77 3,210.69
100,000.00 3,461.23
180.84 196.01
26 36
32 21,000.00
7,000.00 3,955.00 665.00 5,985.00 3,675.00 - - 5,457.65 5,862.91
771.88 100,000.00
817.48 5,457.65
100,000.00 5,862.91
771.88 817.48
37 37
33 24,500.00
10,500.00 3,955.00
1,715.00 5,985.00 4,585.00 - - 8,079.06 8,709.56
1,369.42 100,000.00
1,461.29 8,079.06
100,000.00 8,709.56
1,369.42 1,461.29
* 48 38
34 28,000.00
14,000.00 3,955.00
2,975.00 5,985.00 5,285.00 - -10,724.97 11,654.72
1,968.51 100,000.00
2,123.25 10,724.97
100,000.00 11,654.72
1,968.51 2,123.25
59 39
35 31,500.00
17,500.00 3,955.00
3,955.00 5,985.00 5,635.00 - -13,392.65 14,699.29
3,210.69 100,000.00
3,461.23 13,392.65
100,000.00 14,699.29
3,210.69 3,461.23
6 10 40
36 35,000.00
21,000.00 3,955.00
3,955.00 5,985.00 5,985.00 - -16,077.47 17,842.36
5,457.65 100,000.00
5,862.91 16,077.47
100,000.00 17,842.36
5,457.65 5,862.91
7 11 41
37 38,500.00
24,500.00 3,955.00
3,955.00 5,985.00 5,985.00 - -18,772.95 21,081.10
8,079.06 100,000.00
8,709.56 18,772.95
100,000.00 21,081.10
8,079.06 8,709.56
* 8 12 42
38 42,000.00
28,000.00 3,955.00
3,955.00 5,985.00 5,985.00 - -21,332.25 24,270.57
10,724.97 100,000.00
11,654.72 21,332.25
100,000.00 24,270.57
10,724.97 11,654.72
9 13 43
39 45,500.00
31,500.00 3,955.00
3,955.00 5,985.00 5,985.00 - -23,890.46 27,547.85
13,392.65 100,000.00
14,699.29 23,890.46
100,000.00 27,547.85
13,392.65 14,699.29
1014 44
40 49,000.00
35,000.00 3,955.00
3,955.00 5,985.00 5,985.00 - -26,434.58 30,903.50
16,077.47 100,000.00
17,842.36 26,434.58
100,000.00 30,903.50
16,077.47 17,842.36
1115 45
41 52,500.00
38,500.00 3,955.00
3,955.00 5,985.00 5,985.00 - -28,959.78 34,335.94
18,772.95 100,000.00
21,081.10 28,959.78
100,000.00 34,335.94
18,772.95 21,081.10
1216 46
42 56,000.00
42,000.00 3,955.00
3,955.00 5,985.00 5,985.00 - -31,462.96 37,845.60
21,332.25 100,000.00
24,270.57 31,462.96
100,000.00 37,845.60
21,332.25 24,270.57
1317 47
43 59,500.00
45,500.00 3,955.00
3,955.00 5,985.00 5,985.00 - -33,704.89 41,193.65
23,890.46 100,000.00
27,547.85 33,704.89
100,000.00 41,193.65
23,890.46 27,547.85
1418 48
44 63,000.00
49,000.00 3,955.00
3,955.00 5,985.00 5,985.00 - -35,911.64 44,606.85
26,434.58 100,000.00
30,903.50 35,911.64
100,000.00 44,606.85
26,434.58 30,903.50
1519 49
45 66,500.00
52,500.00 3,955.00
3,955.00 5,985.00 5,985.00 - -38,078.27 48,083.53
28,959.78 100,000.00
34,335.94 38,078.27
100,000.00 48,083.53
28,959.78 34,335.94
1620 50
46 70,000.00
56,000.00 3,955.00
3,955.00 5,985.00 5,985.00 - -40,200.74 51,622.73
31,462.96 100,000.00
37,845.60 40,200.74
100,000.00 51,622.73
31,462.96 37,845.60
1725 55
47 87,500.00
59,500.00 3,955.00
3,955.00 5,985.00 5,985.00 - -47,945.60 68,066.37
33,704.89 100,000.00
41,193.65 47,945.60
100,000.00 68,066.37
33,704.89 41,193.65
1830 60
48 105,000.00
63,000.00 3,955.00
3,955.00 5,985.00 5,985.00 - -50,621.85 82,107.12
35,911.64 100,000.00
44,606.85 50,621.85
100,000.00 82,107.12
35,911.64 44,606.85
1935 65
49 122,500.00
66,500.00 3,955.00
3,955.00 5,985.00 5,985.00 - -44,611.74 89,851.12
38,078.27 100,000.00
48,083.53 44,611.74
100,000.00 89,851.12
38,078.27 48,083.53
40 70 140,000.00 3,955.00 5,985.00 - 22,196.73 82,505.39 100,000.00 22,196.73 82,505.39
20 50 70,000.00 3,955.00 5,985.00 - 40,200.74 51,622.73 100,000.00 40,200.74 51,622.73
45 75 157,500.00 3,955.00 5,985.00 - XXX 59,457.99 100,000.00 XXX 59,457.99
25 55 87,500.00 3,955.00 5,985.00 - 47,945.60 68,066.37 100,000.00 47,945.60 68,066.37
50 80 175,000.00 3,955.00 5,985.00 - XXX 11,511.91 100,000.00 XXX 11,511.91
30 60 105,000.00 3,955.00 5,985.00 - 50,621.85 82,107.12 100,000.00 50,621.85 82,107.12
35 65 122,500.00 3,955.00 5,985.00 - 44,611.74 89,851.12 100,000.00 44,611.74 89,851.12
40 70 140,000.00 3,955.00 5,985.00 - 22,196.73 82,505.39 100,000.00 22,196.73 82,505.39
45 75 157,500.00 3,955.00 5,985.00 - XXX 59,457.99 100,000.00 XXX 59,457.99
50 80 175,000.00 3,955.00 5,985.00 - XXX 11,511.91 100,000.00 XXX 11,511.91
Note:
1. Projected Year of Lapsation (Scenario X) : 44
2. Projected Year of Lapsation (Scenario Y) : Will Not Lapse
3. The projected year of lapsation are based on assumed investment returns, contribution paid and charges. Actual year of lapsation may vary depending on the actual investment returns, contribution paid and charges.
Note:
1. Projected Year of Lapsation (Scenario X) : 44 147
You may only receive the guaranteed amount upon death.
* If you cancel the certificate before the maturity period, the amount that you will receive will be much less than the total amount of
contribution that you have paid.
The illustrations of Non-Guaranteed benefits have been prepared on two hyphothetical investment scenarios.
a. Scenario X = Assume the Participant's Account earns 2% every year
b. Scenario Y = Assume the Participant's Account earns 5% every year
The two rates are used purely for illustrative purposes to show the variability of non-guaranteed benefits under the different
investment scenarios and are NOT GUARANTEED. They do not represent upper and lower limits on the investment performance of
the Participant's Account, and are not the returns earned on the actual contributions paid for the family takaful product.
The investment return rates earned i.e. performance of the family takaful fund in the previous five years are as follows:
Yr 2015/2016: 3.98% Yr 2016/2017: 5.04% Yr 2017/2018: 3.78% Yr 2018/2019: 4.53% Yr 2019/2020: 4.92%
The past investment performance of the fund is not an indication of its future performance. This is strictly the investment
performance of the Participant's Account, and not the returns earned on the contributions. The actual returns earned on
contributions at maturity/surrender will be lower due to Tabarru' amount and expenses.
Total Fee is the amount received by the intermediary and takaful operator for the marketing of this certificate and services that the
intermediary and takaful operator will provide to you for the duration of your certificate.
The investment performance of the Participant's Account (PA) is NOT GUARANTEED. It is possible that the PA value is insufficient to
pay for the Tabarru' and other relevant charges due to poor investment returns. In such case, you will need to pay additional
contributions if you want to maintain your certificate.
Optional riders attachable to this plan does not require any additional contributions as the cost of these riders has been
incorporated into the contributions for your basic certificate. However, participating in these riders could impact your Participant's
Account Value.
148
Benefit Summary 2 – Family Extension
Usop, Male, age 30 y/o, Class 1, Non-Smoker.
Basic Sum Covered: RM100,000
Riders : Accelerated Disability RM50,000, Medi-Auni 2 Plan 200, Deductible
Option 1, Family extension Medi-Auni 2 Plan 200, Deductible Option 1 (Wife age
30, Son age 5 & Daughter age 10), Hospital Income Benefit 5 (2 units)
Coverage & Payment Term: Up to age 80
Total Contribution: RM9500 yearly
30 y/o Medi-Auni 2 Hospital Income Death Maturity Benefit 80 y/o

Benefit 5 Benefit Account Value
RM100,000 (non-guaranteed)
Viral fever at age 40 If no death claim,
Death at age 70 maturity benefit
will be payable
149
Sample Quotation – Family Extension
Tel : +603-7650 1800
Fax : +603-7620 6730

Name Mr. ad
Gender M
Smoker No
Name -
Gender -
Smoker -
Certificate For Own
Expiry Age 80
(years) Waived 150
Date
Basic
Person
HLM Takaful i-Flexi Protect 100,000.00 50 50 50 9/24/2069 9,500.00 4,750.00 2,375.00 791.67 0%
Covered Arnold Tan Kian Chuen:
Rider Do not change the
sequence.
Person
Accelerated Disability
AccTPD 50,000.00 50 0%
Covered
Person
Covered
Person
Covered
Basic Contribution 9,500.00 4,750.00 2,375.00 791.67
Total Contribution 9,500.00 4,750.00 2,375.00 791.67
Tax - - - -
Total Contribution (inclusive of tax, if any) 9,500.00 4,750.00 2,375.00 791.67 -


Number of Spouse
Number of Parents 0
Tel : +603-7650 1800
Fax : +603-7620 6730

Name Mr. ad
Gender M
Smoker No
Name -
Gender -
Smoker -
Certificate For Own

Expiry Age 80
(years) Waived
Date
Basic
Person
HLM Takaful i-Flexi Protect 100,000.00 50 50 50 9/24/2069 9,500.00 4,750.00 2,375.00 791.67 0%
Covered Arnold Tan Kian
Rider Do not change th
sequence.
Person
Accelerated
AccTPD Disability 50,000.00 50 0%
Covered
Person
Covered
Person
Covered
Basic Contribution 9,500.00 4,750.00 2,375.00 791.67
Total Contribution 9,500.00 4,750.00 2,375.00 791.67
Tax - - - -
Total Contribution (inclusive of tax, if any) 9,500.00 4,750.00 2,375.00 791.67 -


Number of Spouse
Number of Parents 0
* Sum Covered for Waiver of Contribution on Critical Illness 4 and Payor Benefit 3 rider are equivalent to total contribution to be waived Annually
Agent Particulars
Agent's Name Mr.adsd
Agent's Code 1
Date 24/Sep/20
151
How do the benefits compare against the total contributions paid to date?
How much contribution you would How much will you receive if you cancel the
How much is paid to intermediaries? What is payable upon death?
have paid? certificate early?

Surrender Value
Total Fee Death Benefits
(Participant's Account (PA) Value)
End of Date
Certificate Age (refers to cumulative Management Expenses
How do the benefits compare against the total contributions paid to date? To Date (excluding guaranteed benefits amount Non-Guaranteed
(refers to cumulative Guaranteed and any survival benefits kept with Guaranteed (PA Value)
How much contribution you would expenses to be paid from
How muchcommission
is paidto be
topaid
intermediaries? How much takafulwill
operator)
you receive if you cancel the
certificate inception) What is payable upon death?
have paid? from certificate inception) certificate early?
1 31 9,500.00 285.00 6,175.00 - 85.45 114.62 100,000.00 105.50 141.50
Surrender Value
Total Fee Death Benefits
2 32 19,000.00 1,805.00 9,975.00 - 1,528.28
(Participant's 1,634.67 100,000.00
Account (PA) Value) 1,528.28 1,634.67
End of3 33 28,500.00
Date 4,655.00 12,445.00 - 2,972.66 3,187.63 100,000.00 2,972.66 3,187.63
Certificate
4 Age
34 (refers to cumulative
38,000.00 8,075.00 Expenses 14,345.00 - 4,438.90 4,802.68
Management
To Date (excluding guaranteed100,000.00
benefits amount 4,438.90 4,802.68 Non-Guaranteed
5 35 47,500.00 10,735.00 15,295.00
(refers to cumulative - 7,665.52
Guaranteed and8,262.99
any survival benefits kept with
100,000.00 7,665.52
Guaranteed 8,262.99 (PA Value)
from certificate inception) expenses to be paid from
commission to be paid takaful operator)
6 36 57,000.00 certificate inception)
10,735.00 16,245.00 - 13,644.31 14,631.01 100,000.00 13,644.31 14,631.01
7 37 66,500.00 10,735.00 16,245.00 - 20,500.15 22,061.34 100,000.00 20,500.15 22,061.34
1 31 9,500.00 285.00 6,175.00 - 85.45 114.62 100,000.00 105.50 141.50
* 8 38 76,000.00 10,735.00 16,245.00 - 27,459.87 29,789.07 100,000.00 27,459.87 29,789.07
2 32 19,000.00 1,805.00 9,975.00 - 1,528.28 1,634.67 100,000.00 1,528.28 1,634.67
9 39 85,500.00 10,735.00 16,245.00 - 34,522.06 37,823.35 100,000.00 34,522.06 37,823.35
3 33 28,500.00 4,655.00 12,445.00 - 2,972.66 3,187.63 100,000.00 2,972.66 3,187.63
10 40 95,000.00 10,735.00 16,245.00 - 41,687.34 46,175.73 100,000.00 41,687.34 46,175.73
4 34 38,000.00 8,075.00 14,345.00 - 4,438.90 4,802.68 100,000.00 4,438.90 4,802.68
11 41 104,500.00 10,735.00 16,245.00 - 48,955.19 54,857.16 100,000.00 48,955.19 54,857.16
5 35 47,500.00 10,735.00 15,295.00 - 7,665.52 8,262.99 100,000.00 7,665.52 8,262.99
6 12 42
36 114,000.00
57,000.00 10,735.00 10,735.00 16,245.00 16,245.00- 55,749.36
- 63,295.59
13,644.31 100,000.0014,631.0155,749.36 63,295.59
100,000.00 13,644.31 14,631.01
7 13 43
37 123,500.00
66,500.00 10,735.00 10,735.00 16,245.00 16,245.00- 62,635.74
- 72,062.33
20,500.15 100,000.0022,061.3462,635.74 72,062.33
100,000.00 20,500.15 22,061.34
* 8 14 44
38 133,000.00
76,000.00 10,735.00 10,735.00 16,245.00 16,245.00- 70,383.11
- 81,948.27
27,459.87 100,000.0029,789.0770,383.11 81,948.27
100,000.00 27,459.87 29,789.07
9 15 39
45 85,500.00
142,500.00 10,735.00 10,735.00 16,245.00 16,245.00- -
78,231.90 34,522.06
92,215.73 100,000.0037,823.3578,231.90 100,000.00
92,215.73 34,522.06 37,823.35
10 16 40
46 95,000.00
152,000.00 10,735.00 10,735.00 16,245.00 16,245.00- -
86,180.69 41,687.34
102,877.28 100,000.0046,175.7386,180.69 100,000.00
102,877.28 41,687.34 46,175.73
11 17 41
47 104,500.00
161,500.00 10,735.00 10,735.00 16,245.00 16,245.00- -
93,711.60 48,955.19
113,422.82 100,000.0054,857.1693,711.60 100,000.00
113,422.82 48,955.19 54,857.16
12 42 114,000.00 10,735.00 16,245.00 - 55,749.36 63,295.59 100,000.00 55,749.36 63,295.59
18 48 171,000.00 10,735.00 16,245.00 - 101,331.28 124,367.96 100,000.00 101,331.28 124,367.96
13 43 123,500.00 10,735.00 16,245.00 - 62,635.74 72,062.33 100,000.00 62,635.74 72,062.33
19 49 180,500.00 10,735.00 16,245.00 - 109,754.97 136,452.25 100,000.00 109,754.97 136,452.25
14 44 133,000.00 10,735.00 16,245.00 - 70,383.11 81,948.27 100,000.00 70,383.11 81,948.27
20 50 190,000.00 10,735.00 16,245.00 - 118,277.85 148,995.33 100,000.00 118,277.85 148,995.33
15 45 142,500.00 10,735.00 16,245.00 - 78,231.90 92,215.73 100,000.00 78,231.90 92,215.73
25 55 237,500.00 10,735.00 16,245.00 - 159,523.88 216,222.36 100,000.00 159,523.88 216,222.36
16 46 152,000.00 10,735.00 16,245.00 - 86,180.69 102,877.28 100,000.00 86,180.69 102,877.28
17 30 60
47 285,000.00
161,500.00 10,735.00 10,735.00 16,245.00 16,245.00- 198,387.61
- 292,261.83
93,711.60 100,000.00 198,387.61
113,422.82 292,261.83
100,000.00 93,711.60 113,422.82
18 35 65
48 332,500.00
171,000.00 10,735.00 10,735.00 16,245.00 16,245.00- 227,488.18
- 371,532.37
101,331.28 100,000.00 227,488.18
124,367.96 371,532.37
100,000.00 101,331.28 124,367.96
19 40 70
49 380,000.00
180,500.00 10,735.00 10,735.00 16,245.00 16,245.00- 233,234.99
- 441,235.93
109,754.97 100,000.00 233,234.99
136,452.25 441,235.93
100,000.00 109,754.97 136,452.25
20 45 75
50 427,500.00
190,000.00 10,735.00 10,735.00 16,245.00 16,245.00- 217,781.19
- 503,421.72
118,277.85 100,000.00 217,781.19
148,995.33 503,421.72
100,000.00 118,277.85 148,995.33
25 50 80
55 475,000.00
237,500.00 10,735.00 10,735.00 16,245.00 16,245.00- 169,602.03
- 546,256.10
159,523.88 100,000.00 169,602.03
216,222.36 546,256.10
100,000.00 159,523.88 216,222.36
30 60 285,000.00 10,735.00 16,245.00 - 198,387.61 292,261.83 100,000.00 198,387.61 292,261.83
35 65 332,500.00 10,735.00 16,245.00 - 227,488.18 371,532.37 100,000.00 227,488.18 371,532.37
40 70 380,000.00 10,735.00 16,245.00 - 233,234.99 441,235.93 100,000.00 233,234.99 441,235.93
45 75 427,500.00 10,735.00 16,245.00 - 217,781.19 503,421.72 100,000.00 217,781.19 503,421.72
50 80 475,000.00 10,735.00 16,245.00 - 169,602.03 546,256.10 100,000.00 169,602.03 546,256.10
Note:
1. Projected Year of Lapsation (Scenario X) : Will Not Lapse
Note:
1. Projected Year of Lapsation (Scenario X) : Will Not Lapse
152
You may only receive the guaranteed amount upon death.
* If you cancel the certificate before the maturity period, the amount that you will receive will be much less than the total amount of
contribution that you have paid.
The illustrations of Non-Guaranteed benefits have been prepared on two hyphothetical investment scenarios.
a. Scenario X = Assume the Participant's Account earns 2% every year
b. Scenario Y = Assume the Participant's Account earns 5% every year
The two rates are used purely for illustrative purposes to show the variability of non-guaranteed benefits under the different
investment scenarios and are NOT GUARANTEED. They do not represent upper and lower limits on the investment performance of
the Participant's Account, and are not the returns earned on the actual contributions paid for the family takaful product.
The investment return rates earned i.e. performance of the family takaful fund in the previous five years are as follows:
Yr 2015/2016: 3.98% Yr 2016/2017: 5.04% Yr 2017/2018: 3.78% Yr 2018/2019: 4.53% Yr 2019/2020: 4.92%
The past investment performance of the fund is not an indication of its future performance. This is strictly the investment
performance of the Participant's Account, and not the returns earned on the contributions. The actual returns earned on
contributions at maturity/surrender will be lower due to Tabarru' amount and expenses.
Total Fee is the amount received by the intermediary and takaful operator for the marketing of this certificate and services that the
intermediary and takaful operator will provide to you for the duration of your certificate.
The investment performance of the Participant's Account (PA) is NOT GUARANTEED. It is possible that the PA value is insufficient to
pay for the Tabarru' and other relevant charges due to poor investment returns. In such case, you will need to pay additional
contributions if you want to maintain your certificate.
Optional riders attachable to this plan does not require any additional contributions as the cost of these riders has been
incorporated into the contributions for your basic certificate. However, participating in these riders could impact your Participant's
Account Value.
153
Session 6
Unique Marketing
Propositions
154
Market Segmentation
HLM Takaful i-Heritage Protector

High
Net HLM Takaful i-Jauhar
Worth
Matured M40 to T20
HLM Takaful i-Care Hasanah Privilege
Affluent market
M40 to emerging T20
HLM Takaful i-Flexi Protect
HLM Takaful FiT CI
Mass market
B40 to emerging M40 HLM Takaful i-Kudrat
155
Four Pillars of Takaful Planning
i-Heritage Protector
i-Heritage Protector i-Care Hasanah i-Jauhar i-Jauhar
Privilege
FiT CI
i-Care Hasanah
i-Care Hasanah
i-Kudrat Privilege
Privilege
i-Flexi Protect
i-Kudrat
i-Care Hasanah i-Flexi Protect
Privilege
*Hibah and Conditional Hibah is used interchangeably. It refers to an amount payable to the nominee upon death of the Person Covered.
156
Marketing Proposition
HIBAH
SECURED LEGACY
Sickness,
PROTECTION PRESERVATION
Disability & Death
Living Benefit Eternal Benefit
Hibah and Conditional Hibah is used interchangeably. It refers to an amount payable to the nominee upon death of the Person Covered.
157
Marketing Propositions
Do you have adequate
protection against
disability, sickness, illness &
death?
Have you prepared enough

cash to ensure your
responsibility is delivered
even when you have passed
on?
158
Can you
afford the
cost of
medical
treatment?
Source : http://www.thestar.com.my 4 Oct

2015
159
Secured Protection
Financial support
for lifestyle Pay for children’s
maintenance daily need &
when sickness & education.
illness strike.
Helps your loved

Payment for ones pay for final
outstanding bills & (funeral) expenses
financing. & perform your
spiritual needs.
160
Rising cost of medical treatment
Source:
https://www.centre.my/post/healthcare-
costs-in-malaysia
161
Can you
afford the
cost of
medical
treatment?
**Note that these prices may vary
depending on the different
healthcare providers as well as the
severity of the medical condition.
Certain additional costs may apply
such as pre-surgery, health
screenings, medical needs, as well
as personal preferences.
Source:
https://ringgitplus.com/en/blog/insurance/g
overnment-and-private-hospitals-in-
malaysia-how-much-do-they-really-
cost.html
162
Death is certain but the cause & date is not certain!
Source: Statistics on Causes of Death Malaysia 2020, Department of Statistics Malaysia.
163
Death may be sooner with
the deteriorating health
due to sickness & Illness.
Source: Statistics on Causes of Death Malaysia 2020, Department of Statistics Malaysia.
164
Legacy Preservation
The Prophet Muhammad (SAW) said:
It is better for you to leave
your inheritors wealthy
rather than to leave them
poor, begging people
(for their sustenance).
Sesungguhnya jika kamu meninggalkan ahli warismu dalam keadaan kaya atau
mencukupi, itu lebih baik daripada kamu meninggalkan mereka dalam keadaan
miskin sehingga mereka terpaksa meminta-minta kepada sesama manusia.
(Hadith Sahih Al-Bukhari)
165
Legacy Preservation
Upon the Person Covered’s death, the Takaful benefits are
payable:
 directly to the nominee(s)
HIBAH
 without the need to be distributed according to distribution of
the estate (such as faraid)
Islamic Financial Services Act 2013 (Schedule 10)

Nomination under a conditional hibah...
...shall, notwithstanding any written law, have the effect of transferring ownership, and
shall transfer ownership, of the takaful benefits payable to the nominee upon the death of
the takaful participant and such takaful benefits so transferred shall not form part of the
estate of the deceased takaful participant or be subject to his debts.
THIS HIBAH ARRANGEMENT IS APPLICABLE TO BOTH

MUSLIMS AND NON-MUSLIMS!
166
Key Learning Points
• HLM Takaful i-Flexi Protect provides protection until the age of 60,
70, 80 or 90.
1
• HLM Takaful i-Flexi Protect provides Takaful coverage against

Death. Should the person covered survives, upon maturity,
2 Participant’s Account (PA) value, if any, will be payable.
• HLM Takaful i-Flexi Protect provides comprehensive protection

when riders are attached to the basic plan.
3
167
You can reach us at:
New Business & Underwriting Department

newbusiness@takaful.hongleong.com.my
Ext : 2223
Certificate Administration Department

certificateadministration@takaful.hongleong.com.my
Ext : 2282
Claims Department
HLMT CLAIMS@takaful.hongleong.com.my
Ext : 2264
168
Post-training
Assessment
169
/HongLeong.MSIG.Takaful /Hong Leong MSIG Takaful
Thank You
170

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Product Training

HLM Takaful i-Flexi Protect

By <Presenter’s Full Name>

 Course Code : 1202110 & 9202110

 Training Hours : 2 Hours

 CPD Hours : 2 Hours

 Target Audience : All Agents & Leaders

1 • List the features and benefits of HLM Takaful i-Flexi Protect.

2 • Identify the target market for HLM Takaful i-Flexi Protect.

3 • Explain contents of Product Brochure & Benefit Illustration.

5 • Submit HLM Takaful i-Flexi Protect case based on client’s needs.

1. Trainer’s presentation, discussion and sharing of

2. Trainees’ participation and knowledge sharing.

3. Active learning through discussion and activities.

Hong Leong MSIG Takaful

An arrangement based on mutual

And cooperate in righteousness and

Dan tolong-menolonglah kamu dalam

Provides mutual Based on solidarity,

Gift Leasing Sale Mudarabah Kafalah

Waqf Musharakah Rahn

Ibra’ Financial Lease Murabahah Wadiah

Istisna’ etc. Ju’alah

• Donation which is given by one in favor of someone without

(Wakalah Fee) Charge, Partial Withdrawal Charge, Fund

Takaful Benefit, Unearned

Surrender Charge, Partial Withdrawal

 HLM Takaful i-Flexi Protect is an ordinary family Takaful plan with

 It provides comprehensive protection with various attachable riders to

Working Adults Children

Middle (M40) to High

Features & Benefits

Upon death of the Person Covered (any

2 In the event of Death of the Person Covered,

If no Death claim is made prior to

Basic Sum Covered

Mode Modal Factor

Increase the Contribution

The monthly Tabarru’ depending on Person Covered’s age, gender, occupational

Partial Withdrawal Fee

The list above is non-exhaustive.

i. obtain and verify standard CDD information;

Addition of riders can be made at the CDD subject to underwriting and

After Contribution Payment Term

Continuous Coverage Letter

• The applicable contribution allocation will be determined retrospectively to

Increase the Sum Covered after end of Contribution Payment Term

Decrease the Sum Covered

• Revival form to be completed and submitted;

Juvenile Person Covered becoming Participant:

To ensure the continuity of the Certificate, the Participant needs to appoint

Rider Sum Covered

1) Total and Permanent Disability (TPD) before ANB 66; OR

Presumptive Disability Any Gainful Work/Occupation/Business

Activities of Daily Living

• Disability at ANB 66 and thereafter due to accident or

• Maximum limit for OAD is RM1 mil per life

• Person Covered • 30 days old • 70 years old • 90 years old

*Subject to basic plan’s maximum entry age and expiry age.