Date: 07/05/2014. Please refer to the Takaful Certificate contract for more information.
|
|
- Lynn Sims
- 6 years ago
- Views:
Transcription
1 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Fidelity Guarantee Takaful. Be sure to also read the general terms and conditions.) 1) What is this product about? TAKAFUL IKHLAS BERHAD IKHLAS FIDELITY GUARANTEE TAKAFUL Date: 07/05/2014 This Takaful Certificate indemnifies you as an employer against any direct loss of pecuniary that you may sustain through act(s) of dishonesty by your employees such as act(s) of forgery, embezzlement, larceny or fraudulent conversion. The coverage is not limited to loss or money but also covers loss of real property and stock-in-trade belonging to you. 2) What are the Shariah concepts applicable? Tabarru shall mean donation for the purpose of solidarity and cooperation among the Participants and to be used to help Participants in times of misfortune. In the context of Takaful IKHLAS, Tabarru will be allocated into the Risk Fund. Wakalah shall mean agency. In this context, it refers to a contract between Company and the Participant where the Participant authorizes the Company to manage the fund on his/her behalf, which allows the Company to charge a Wakalah fee. Note: Please refer to the Takaful Certificate contract for more information. 3) What are the covers / benefits provided? This Takaful Certificate covers your pecuniary loss or goods belonging to you due to the act of fraud or dishonesty committed by your employees: during the Period of Takaful; during the uninterrupted continuance of employment of such employee; in connection with the occupation and duties of such employees; and discovered during the aforesaid Period of Takaful or within 6 months thereafter or within 6 month after the death, dismissal or retirement of such employee whichever shall happen first. Duration of cover is for one year. You need to renew your Takaful Certificate annually. 4) How much contribution do I have to pay? The total Contribution that you have to pay may vary depending on the guarantee amount and our underwriting requirements : Guarantee Amount : RM Rate applicable : % No. of Employees Covered : Rate per Capita : RM The estimated total Contribution that you have to pay is : RM 1
2 5) What are the fees and charges that I have to pay? The following charges are applicable: What you have to pay in addition to the Contribution amount :- Service tax (if any) : 6% of Contribution Stamp duty : RM10.00 What is included in the contribution amount :- Wakalah Fees - Commissions : up to max. 25% of Contribution Management Expenses : 15% of Contribution What you have to pay if you cancel the Certificate :- Cancellation Fee : RM10.00 Note: Our charges exclude tax that would be imposed by the government and/or the authority in the future (including Goods and Services Tax (GST)). Upon implementation of the GST, we shall be entitled to recover the GST from you in respect of this Takaful Certificate that is required under the law. 6) What are some of the key terms and conditions that I should be aware of? Importance of Disclosure You must disclose all material facts that you know or ought to know; otherwise your Takaful Certificate may be invalidated; If this Takaful Certificate be continued in force for more than one period of Takaful, our liability in respect of any One Claim shall not be accumulated or increased thereby and our aggregate liability during any number of Period of Takaful and for any number of losses forming the basis of any One Claim whether under this Takaful Certificate or any similar Takaful Certificate in substitution for or substituted by this Takaful Certificate shall not exceed the amount of guarantee under the current Takaful Certificate. Surplus The Company shall charge a Surplus Administration Charge (SAC) of 50% of the gross distributable surplus arising at the end of the financial year. However, the Company may at its discretion and where appropriate charge SAC less than 50% of the gross distributable surplus. Any net distributable surplus arising (after deducting the SAC) from the Risk Fund will be allocated in full (100%) to the Participant. If the amount due to Participant is less than RM10 per Certificate, the amount shall be retained in the Risk Fund. 7) What are the major exclusions under the certificate? This Takaful Certificate does not cover : any indirect or consequential loss; any third party losses; extortion; any loss sustained prior to Takaful Certificate inception or discovered prior to Takaful Certificate inception or discovered subsequent to the termination of the Takaful Certificate period including the discovery period; stock taking or inventory losses; losses rising from ionizing radiations or contamination by radioactivity from any nuclear fuel, nuclear waste or any nuclear weapons material; losses caused by any act of terrorism. 2
3 Note : This list is non-exhaustive. Please refer to the Takaful Certificate contract for the full list of exclusions under this Takaful Certificate. 8) Can I cancel my certificate? You may cancel your Takaful Certificate by giving written notice to us. Upon cancellation, you are entitled to a refund of the pro rata Contribution for the Period of the Takaful Certificate which has been in force. No refund of Contribution is allowed if there is a claim under the Takaful Certificate. 9) What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 10) Where can I get further information? Should you require additional information about IKHLAS Fidelity Guarantee Takaful Takaful, please contact us at: Takaful IKHLAS Berhad CRM Department IKHLAS Point Tower 11A, Avenue 5 Bangsar South No. 8 Jalan Kerinchi Kuala Lumpur Telephone No: Fax No: Website : ikhlascare@takaful-ikhlas.com.my 11) Other similar types of cover available. IKHLAS Money Takaful IKHLAS Comprehensive Perils (All Risks) Takaful IKHLAS Burglary Takaful IKHLAS Equipment All Risks Takaful IKHLAS Plate Glass Takaful IMPORTANT NOTE: YOU SHOULD ENSURE THAT YOUR PROPERTY IS COVERED AT THE APPROPRIATE AMOUNT AS IT WILL AFFECT THE AMOUNT YOU CAN CLAIM. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT TAKAFUL OPERATOR DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 07/05/2014 3
4 {Versi Bahasa Malaysia} HELAIAN PENERANGAN PRODUK (Sila baca Lembaran Pendedahan Produk ini sebelum anda membuat keputusan memilih IKHLAS Fidelity Guarantee Takaful. Pastikan juga anda telah membaca terma-terma dan syarat-syarat.) TAKAFUL IKHLAS BERHAD IKHLAS FIDELITY GUARANTEE TAKAFUL Tarikh: 07/05/2014 1) Apakah produk ini? Sijil Takaful ini menanggung rugi anda sebagai seorang majikan daripada mana-mana kerugian kewangan yang langsung akibat kelakuan pekerja-pekerja yang pecah amanah, seperti kejadian pemalsuan, penggelapan wang, larseni atau penukaran fraud. Perlindungan ini tidak terhad kepada kerugian wang tetapi juga melindungi kerugian harta sebenar dan stok perniagaan anda. 2) Apakah konsep Syariah yang digunapakai? Tabarru - bermaksud derma bagi tujuan perpaduan dan kerjasama di kalangan Peserta-peserta dan akan digunakan untuk membantu Peserta yang ditimpa musibah. Di dalam konteks Takaful IKHLAS, Tabarru akan diperuntukan ke dalam Dana Risiko. Wakalah - bermaksud agensi. Di dalam konteks ini, ia merujuk kepada kontrak di antara Syarikat dan Peserta di mana Peserta melantik Syarikat untuk menguruskan dana bagi pihak Peserta, yang membenarkan Syarikat untuk mengenakan yuran Wakalah. Nota: Sila rujuk kepada Sijil kontrak Takaful untuk maklumat lanjut. 3) Apakah perlindungan/manfaat yang ditawarkan? Sijil Takaful ini melindungi kerugian kewangan atau barangan kepunyaan anda yang disebabkan oleh perbuatan penipuan atau ketidakjujuran yang dilakukan oleh pekerja-pekerja anda: Sepanjang Tempoh Takaful; Sepanjang penggajian yang berterusan tanpa berhenti bagi pekerja tersebut; Berkaitan dengan pekerjaan dan tugasan bagi pekerja tersebut; dan Diketahui sepanjang tempoh Takaful seperti dinyatakan atau dalam masa 6 bulan selepas itu atau dalam masa 6 bulan selepas kematian, pembuangan atau persaraan bagi pekerja tersebut, bergantung kepada yang mana berlaku terlebih dahulu. Tempoh perlindungannya ialah selama satu tahun. Anda dikehendaki membaharui Sijil Takaful anda setiap tahun. 4) Berapakah jumlah sumbangan yang perlu dibayar? Jumlah Sumbangan yang anda perlu bayar adalah berbeza bergantung kepada amaun jaminan dan keperluan pengunderaitan pihak kami. Amaun Jaminan : RM Kadar dikenakan : % Bilangan Pekerja yang Dilindungi Anggaran jumlah Sumbangan yang anda perlu bayar ialah : RM 4
5 5) Apakah yuran dan caj yang perlu dibayar? Berikut adalah yuran dan bayaran yang dikenakan: Bayaran yang perlu dijelaskan disamping jumlah Sumbangan Cukai Perkhidmatan (jika ada) : 6% dari Sumbangan Duti Setem : RM10.00 Bayaran lain yang termasuk dalam jumlah sumbangan Fi Wakalah - Komisen : sehingga maksima 25% dari Sumbangan Perbelanjaan Pengurusan : 15% dari Sumbangan Bayaran yang perlu dijelaskan jika anda membatalkan Sijil ini :- Caj Pembatalan : RM10.00 Nota: Caj kami tidak termasuk cukai yang dikenakan oleh kerajaan dan/atau pihak berkuasa pada masa akan datang (termasuk Cukai Barangan dan Perkhidmatan (GST)). Setelah perlaksanaan GST, kami berhak mengenakan caj GST bagi maksud Sijil Takaful ini yang dikehendaki dibayar di bawah undang-undang. 6) Apakah terma dan syarat utama yang perlu diketahui? Kepentingan Pendedahan Anda dikehendaki mendedahkan semua fakta material yang anda tahu atau patut tahu; jika tidak, Sijil Takaful ini akan dianggap tidak sah; Jika Sijil Takaful ini terus berkuatkuasa melebihi satu tempoh insurans, liabiliti pihak kami berhubung dengan mana-mana satu tuntutan tidak akan terkumpul atau bertambah dengan cara itu, dan liabiliti agregat pihak kami sepanjang mana-mana bilangan tempoh takafuldan untuk mana-mana bilangan kerugian yang membentuk dasar kepada mana-mana satu tuntutan tidak kira di bawah Sijil Takaful ini atau mana-mana Sijil Takaful yang serupa sebagai penggantian untuk atau digantikan oleh Sijil Takaful ini, tidak boleh melebihi amaun jaminan di bawah Sijil Takaful yang sedia ada; Lebihan Pihak Syarikat akan mengenakan Caj Pengurusan Lebihan (SAC) sebanyak 50% daripada lebihan boleh-agih kasar dari Dana Risiko pada setiap akhir tahun kewangan. Walau bagaimanapun, pihak Syarikat boleh mengenakan caj SAC kurang daripada 50% daripada lebihan boleh-agih kasar mengikut budi bicara dan kesesuaian. Sebarang lebihan boleh-agih bersih (selepas ditolak SAC) daripada Dana Risiko akan diperuntukkan seluruhnya (100%) kepada Peserta. Sekiranya jumlah untuk Peserta kurang daripada RM10 untuk setiap Sijil, jumlah tersebut akan terus disimpan di dalam Dana Risiko. 7) Apakah pengecualian utama yang terdapat di dalam sijil ini? Sijil Takaful ini tidak melindungi kerugian, kemusnahan atau kerosakan: Sebarang kerugian tidak langsung atau kerugian turutan; Sebarang kerugian pihak ketiga; Pemerasan; Sebarang kerugian yang dialami sebelum tempoh takafulatau diketahui sebelum Tempoh Takaful atau diketahui pada masa perberhentian sijil takaful termasuk tempoh ketahui; Pengambilan stok atau kehilangan inventori; Kerugian yang terbit daripada pengionan radiasi atau kontaminasi oleh radioaktif daripada sebarang tenaga nuklear, bahan buangan nuklear atau sebarang senjaya nuklear; 5
6 Kerugian akibat sebarang tindakan keganasan. Nota: Senarai ini bukannya senarai yang lengkap. Sila rujuk Sijil kontrak Takaful untuk senarai penuh bagi pengecualian di bawah Sijil Takaful ini. 8) Bolehkah saya membatalkan sijil Takaful ini? Anda boleh membatalkan Sijil Takaful ini dengan memberi notis bertulis kepada pihak kami. Selepas pembatalan, anda layak mendapat pulangan Sumbangan untuk kadar pro rata bagi tempoh Sijil Takaful yang telah berkuatkuasa. Tiada pulangan Sumbangan dibenarkan jika ada sebarang tuntutan di bawah Sijil Takaful ini. 9) Apakah yang perlu dilakukan sekiranya terdapat perubahan kepada maklumat untuk dihubungi? Adalah penting bagi anda untuk memaklumkan kepada pihak kami tentang sebarang perubahan mengenai maklumat anda bagi memastikan semua surat-menyurat dapat disampaikan kepada anda tepat pada masanya. 10) Bagaimanakah saya boleh mendapatkan maklumat lanjut? Sekiranya anda memerlukan informasi tambahan mengenai IKHLAS Fidelity Guarantee Takaful, sila hubungi kami di: Takaful IKHLAS Berhad Jabatan CRM IKHLAS Point Tower 11A, Avenue 5 Bangsar South No. 8 Jalan Kerinchi Kuala Lumpur No. Telefon: No. Faks: Laman Web : E-mel: ikhlascare@takaful-ikhlas.com.my 11) Produk seumpama yang boleh didapati? IKHLAS Money Takaful IKHLAS Comprehensive Perils (All Risks) Takaful IKHLAS Burglary Takaful IKHLAS Equipment Comprehensive Perils Takaful IKHLAS Plate Glass Takaful NOTA PENTING: ANDA HENDAKLAH MEMASTIKAN HARTA ANDA DILINDUNGI PADA JUMLAH YANG BERSESUAIAN MEMANDANGKAN IA AKAN MENJEJASKAN JUMLAH TUNTUTAN. ANDA PERLU MEMBACA DAN MEMAHAMI SIJIL TAKAFUL DAN BERBINCANG DENGAN EJEN ATAU HUBUNGI PENGENDALI TAKAFUL UNTUK MAKLUMAT LANJUT. Informasi yang disediakan dalam lembaran pendedahan ini adalah sah pada 07/05/2014 6
Date: 07/05/2014. This product provides Takaful protection against incidents of theft to your property.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Burglary Takaful. Be sure to also read the general terms and conditions.) 1) What is this product
More informationPlease refer to the Takaful Certificate contract for more information.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the IKHLAS Foreign Worker Compensation Scheme Takaful. Be sure to also read the general terms and conditions.)
More informationDate : 07/05/2014. This product will compensate you in the event of permanent disability or death caused by Accident.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Perdana P.A. Takaful. Be sure to also read the general terms and conditions.) 1) What is this
More informationDate: 07/05/2014. Please refer to the Takaful Certificate contract for more information.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Plate Glass Takaful. Be sure to also read the general terms and conditions.) 1) What is this
More informationTAKAFUL AMANI. Date: 07/05/2014
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the Takaful Amani. Be sure to also read the general terms and conditions.) 1) What is this product about?
More informationLIVING CARE. Critical Illness Insurance
LIVING CARE Critical Illness Insurance PREMIUM TABLE ANNUAL PREMIUM (RM) (excluding Service Tax and Stamp Duty)/ SUM INSURED (RM) Attained Age 50,000 100,000 150,000 200,000 250,000 (Next Birthday) Male
More informationTAKAFUL IKHLAS BERHAD HELAIAN PENERANGAN PRODUK. Skim Takaful Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
HELAIAN PENERANGAN PRODUK Sila baca Helaian Keterangan Produk ini sebelum membuat keputusan untuk mengambil Skim Takaful Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA). Sila pastikan juga bahawa
More informationDate: 07/05/2014. Please refer to the Takaful Certificate contract for more information.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Motor Trade Vehicle Takaful. Be sure to also read the general terms and conditions.) 1) What
More informationDuration of cover is usually for one year. You need to renew your insurance policy annually.
FIDELITY GUARANTEE INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1.
More informationEquipment All Risks Insurance Policy
Equipment All Risks Insurance Policy PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Equipment All Risks Insurance Policy. Be sure to also read the general
More informationEquipment All Risks Insurance Policy
Equipment All Risks Insurance Policy PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Equipment All Risks Insurance Policy. Be sure to also read the general
More informationDate: 01/12/2012. Please refer to the Takaful Certificate contract for more information.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Comprehensive Motorcycle Takaful. Be sure to also read the general terms and conditions.) 1)
More informationBenefits Description Sum Insured (RM) Benefit A Death 20,000 per unit per person
My Auto PAC PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the My Auto PAC Personal Accident Cover (PAC). Be sure to also read the general terms and conditions.)
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
BUSINESSINSURE PACK INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1.
More informationApartment and Condominium Insurance Package
Apartment and Condominium Insurance Package APARTMENT AND CONDOMINIUM INSURANCE PACKAGE Anything can happen at any time. Protect the property under your management and get covered with our Apartment and
More informationCoverage Description Sum Insured (RM) 50,000per unit per person
TAGPAC PLUS PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the TagPAC Plus). Be sure to also read the general terms and conditions.) 1. What is this product
More informationStamp Duty RM What is included in the premium Commission paid to the insurance intermediaries (if any)
BURGLARY INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is this
More informationSchool Children Personal Accident Insurance Plan - List Of Insured Persons
School Children Personal Accident Insurance Plan - List Of Insured Persons IMPORTANT NOTE Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance
More informationDate: 01/12/2012. Please refer to the Takaful Certificate contract for more information. Sum Covered (Limit up to) Option 1 Option 2 Option 3
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Big Bike Takaful. Be sure to also read the general terms and conditions.) 1) What is this product
More informationPRODUCT DISCLOSURE SHEET
RelaPAC PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the RELA Motorcyclist s Personal Accident Cover (RELAPAC). Be sure to also read the general terms and
More informationBenefit Description Sum Insured (RM) A Death RM 35,000 per unit B Permanent Disablement
COMMPAC PLUS PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Commercial Plus Personal Accident Cover (PAC). Be sure to also read the general terms and conditions.)
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this product Disclosure Sheet before you decide to sign up the KFH SURE SAVINGS ACCOUNT-i. Be sure you also read the general terms and conditions) KFH SURE SAVINGS ACCOUNT-i
More informationCoverage Description Sum Insured (RM) 40,000 per person. *Funeral Expenses 1,000 Description Basic (RM) Super (RM) Extra Coverage
AgreedPAC PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Agreed Personal Accident Cover (PAC). Be sure to also read the general terms and conditions.) 1.
More informationBenefits Description Sum Insured. Benefit A Death RM40,000 per person
POS PAC 3 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out POS Personal Accident Cover 3 (POS PAC 3). Be sure to also read the general terms and conditions.) 1.
More informationPersonal Accident Insurance
Personal Accident Insurance PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Personal Accident Insurance. Be sure to also read the general terms and conditions.)
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Fire Takaful. Be sure to also read the general terms and conditions.) 1) What is this product
More informationCONTRACTOR S ALL RISK INSURANCE
CONTRACTOR S ALL RISK INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationTHE PORTABLE & PERSONAL MEDICAL PLAN
A-Health Maximiser THE PORTABLE & PERSONAL MEDICAL HEALTH PLAN Maximising your protection to meet your changing needs Purchase with AIA PRS to fund your retirement years aia.com.my A-Health Maximiser Maximising
More informationPRODUCT DISCLOSURE SHEET HELAIAN PENERANGAN PRODUK. Takaful my SME Partner (Group Term)
PRODUCT DISCLOSURE SHEET HELAIAN PENERANGAN PRODUK (Read this Product Disclosure Sheet before you decide to participate in Takaful my SME Partner (Group Term). Be sure to also read the general terms and
More informationAmBank Credit Card Fee & Charges
AmBank Credit Card Fee & Charges Annual Fee Minimum Monthly Payment Finance Charges Cash Advance Fee Late Payment Interest Free Period Excess Limit Fee Credit Balance Refund Fee Free For Life 5% of the
More informationFOREIGN WORKERS COMPENSATION SCHEME (FWCS)
FOREIGN WORKERS COMPENSATION SCHEME (FWCS) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationEzyCash via M2u EzyCash M2u Plan 6. EzyCash M2u Plan 12. EzyCash M2u Plan 24 Interest rate p.a 0% 8.88% EzyCash. EzyCash M2u Plan 12
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Maybank via Maybank2u facility. Be sure to read the terms and conditions. Seek clarification from your institution
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the KFH INTERNATIONAL COMMODITY MURABAHAH DEPOSIT-i. Please also read the general terms and conditions.)
More informationGlobal Fly Season Exclusive UnionPay Privileges Not To Be Missed ( Promotion )
Global Fly Season Exclusive UnionPay Privileges Not To Be Missed ( Promotion ) Terms and Conditions ERAMAN MALAYSIA 1. The promotion is valid from 1 May 31 October 2018 ( Promotion Period ). 2. This promotion
More informationYou are liable for any unauthorized transactions before reporting to the Bank.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Debit Cards. Be sure to also read the general terms and conditions.) DEBIT CARDS: Maybank Visa Debit 1. What
More informationFOREIGN WORKERS COMPENSATION SCHEME (FWCS) Product Disclosure Sheet
FOREIGN WORKERS COMPENSATION SCHEME (FWCS) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
MACHINERY INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is
More informationAs charged in accordance to 2 Hospital Supplies & Services
FOREIGN WORKERS HOSPITALIZATION & SURGICAL (FWHS/SKHPPA) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general
More informationFlexi PA (Personal Accident Insurance)
Flexi PA (Personal Accident Insurance) PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Flexi PA. Be sure to also read the general terms and conditions.) 1.
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to apply for the Trade Services Facility. Please be sure to also read the Terms and Conditions as stated in the Agreement.
More information1. What is this product about? This policy indemnifies you against fire, theft and accidental damage to your mobile equipment.
EQUIPMENT INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is
More informationNOTE: It is an offence under the laws of Singapore to enter the country without extending passenger liability cover to your motor insurance.
MOTOR INSURANCE (COMMERCIAL VEHICLE) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up Am50Plus Term Deposit-i. Be sure to also read the Terms and Conditions. Kindly seek clarification from AmBank
More information: % p.a. / Setahun. : Ranging from / Mulai dari 1 7 years / tahun Instalment / Ansuran
PRODUCT DISCLOSURE SHEET / LEMBARAN PENDEDAHAN PRODUK (Read this Product Disclosure Sheet (PDS) before you decide to take out the Personal -i. Be sure to also read the terms in the Letter Offer (if applicable).
More informationThis Policy reflects the terms and conditions of the contract of insurance as agreed between you and the Company.
(62605-U) This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in your Proposal Form (or when you applied for this insurance)
More informationPLUSTRACK. 1 June offered (terminal, terminal reload, and cards) for their corporate fleet of vehicles.
PRODUCT DISCLOSURE SHEET -X) (Read this Product Disclosure Sheet before you decide to take out the PLUSTRACK. Be sure to also read the general terms and conditions.) PLUSTRACK 1 June 2018 1. What is the
More information3. What do I get from this product? / Apakah yang saya perolehi dari produk ini?
PRODUCT DISCLOSURE SHEET / LEMBARAN PENDEDAHAN PRODUK (Read this Product Disclosure Sheet (PDS) before you decide to take out the Personal -i. Be sure to also read the terms in the Letter Offer (if applicable).
More informationCASH TREATS PROGRAM APR 2011
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to apply for the MaybankCashTreats Program. Be sure to also read the general terms and conditions.) CASH TREATS PROGRAM APR
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
JMB/MC INSURANCE PACKAGE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What
More informationEzyCash via M2u EzyCash M2u Plan 6. EzyCash M2u Plan 12. EzyCash M2u Plan 24 Interest rate p.a 0% 8.88% EzyCash. EzyCash M2u Plan 12
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Maybank via Maybank2u facility. Be sure to read the terms and conditions. Seek clarification from your institution
More informationTHE ESSENTIAL PROTECTIONS
Allianz MISC Combo THE ESSENTIAL PROTECTIONS FOR SMALL MANUFACTURERS AND INDEPENDENT RETAILERS PERLINDUNGAN ASAS UNTUK PENGILANG KECIL DAN PERUNCIT BEBAS Allianz General Insurance Company (Malaysia) Berhad
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this product Disclosure Sheet before you decide to sign up the KFH SURE SME ACCOUNT-i. Be sure you also read the general terms and conditions) 1. What is the nature of this
More informationForeign Workers Compensation Scheme
Foreign Workers Compensation Scheme PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Foreign Workers Compensation Scheme (FWCS). Be sure to also read the general
More informationCoverage is subject to the spray painting of the whole vehicle at the same panel workshop that carries out the damage repairs.
ACCIDENT SUPPORT REPAIR PLUS + Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More informationNOTE: It is an offence under the laws of Singapore to enter the country without extending passenger liability cover to your motor insurance.
MOTOR INSURANCE (PRIVATE CAR) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More information1 June The Goods & Services Tax (GST) will be zero-rated effective on 1 June 2018 as announced by Ministry of Finance.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the FLEETPASS. Be sure to also read the general terms and conditions.) FLEETPASS (FLEET XS & BIZ XS) 1 June 2018
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up Afdhal Term Deposit-i. Be sure to also read the terms and conditions. Kindly seek clarification from AmBank
More informationForeign Workers Compensation Scheme
Foreign Workers Compensation Scheme PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Foreign Workers Compensation Scheme (FWCS). Be sure to also read the general
More informationNOTE: It is an offence under the laws of Singapore to enter the country without extending Passenger Liability cover to your motor insurance.
MOTOR INSURANCE (MOTORCYCLE NON CONSUMER) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More information3. How much premium do I have to pay? The total premium that you have to pay depends on the benefits you have selected.
ACCIDENT SUPPORT REPAIR PLUS + Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More informationTypes Comprehensive cover
MOTOR INSURANCE (PRIVATE CAR) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the Manchester United Prepaid Card (MU Prepaid). Be sure to also read the general terms and conditions. June 2012
More informationMotor Comprehensive Cover Insurance
PRODUCT DISCLOSURE SHEET (PDS) (Read this Product Disclosure Sheet before you decide to take out this Product. Be sure to also read the general terms and conditions of this Policy) 1. What is this product?
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to apply for the Trade Services Facility. Please be sure to also read the Terms and Conditions as stated in the Letter of Offer.
More informationNote: It is an offence under the laws of Singapore to enter the country without extending Passenger Liability cover to your motor insurance.
MOTOR INSURANCE (MOTORCYCLE CONSUMER) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationPolisi Pemain Golf. Golfer s Policy
Polisi Pemain Golf Golfer s Policy Bahawasanya Pemegang Insurans (seterusnya dirujuk sebagai Majikan) yang dinyatakan di dalam Jadual ini, menerusi Cadangan dan Perakuan bersama surat-menyurat yang berkaitan
More information1. What is this product about? This policy provides comprehensive cover only. The coverage of the policy as per the table below: Types
SOMPO MOTOR (PRIVATE CAR COMPREHENSIVE INSURANCE POLICY) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general
More informationMALAYAN BANKING BERHAD (Bank) PRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Product described below. Be sure to also read the Maybank Gold Investment Account Agreement.) MALAYAN BANKING
More information17 July RM per card. RM10.00 per card. Card Replacement Fee (Replacement of card due to lost or damage by customer)
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the PUKAL FLEETPASS. Be sure to also read the general terms and conditions.) -X) PUKAL FLEETPASS (FLEET XS & BIZ
More informationPriority Pass Membership Terms & Conditions. Terma dan Syarat Kad Keahlian Priority Pass
Priority Pass Membership Terms & Conditions Terma dan Syarat Kad Keahlian Priority Pass CB/CC/V1/2012 Updated as at 1 November 2017 Terms and Conditions of Priority Pass Membership 1. The complimentary
More informationPRODUCT DISCLOSURE SHEET
Optimuz PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Optimuz Policy. Be sure to also read the general terms and conditions.) Date: 15 th October
More informationAL RAJHI BANK PERSONAL FINANCING-i SECURED AGAINST GOLD / PEMBIAYAAN PERIBADI-i DENGAN CAGARAN EMAS AL RAJHI BANK
PRODUCT DISCLOSURE SHEET / LEMBARAN PENDEDAHAN PRODUK (Read this Product Disclosure Sheet (PDS) before you decide to take out the Personal -i. Be sure to also read the terms in the Letter Offer (if applicable).
More informationAPPLICATION FOR A PERFORMANCE BOND / ADVANCE PAYMENT BOND
APPLICATION FOR A PERFORMANCE BOND / ADVANCE PAYMENT BOND Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for a purpose related to your
More informationSmartHome Essential. Product Disclosure Sheet. 1 of 3. Important Note
SmartHome Essential Product Disclosure Sheet Important Note 1. Read this Product Disclosure Sheet before you decide to take out the SmartHome Essential Insurance Policy. Be sure to also read through the
More informationTAKAFUL MOTOR/MOTOR TAKAFUL LEMBARAN PENERANGAN PRODUK PRODUCT DISCLOSURE SHEET
LEMBARAN PENERANGAN PRODUK PRODUCT DISCLOSURE SHEET (Sila baca Lembaran Penerangan Produk ini sebelum anda memohon Takaful Motor. Pastikan juga anda telah membaca terma-terma dan syarat-syarat/read this
More information18 March RM5.30 per card. Card Replacement Fee (Replacement of card due to lost or damage by customer)
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the PUKAL FLEETPASS. Be sure to also read the general terms and conditions.) Touch n Go Sdn Bhd (406400-X) PUKAL
More informationProduct Disclosure Sheet / Lampiran Penerangan Produk
Product Disclosure Sheet / Lampiran Penerangan Produk Perlindungan Ragut Pulangan 30% Personal Accident Insurance Policy / Polisi Insurans Kemalangan Peribadi Please read this Product Disclosure Sheet
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
HOUSEOWNER/HOUSEHOLDER INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.)
More informationPACIFIC MUTUAL FUND BHD IMPORTANT NOTICE ON PERSONAL DETAILS NOTIS PENTING BERKENAAN MAKLUMAT PERIBADI
PACIFIC MUTUAL FUND BHD IMPORTANT NOTICE ON PERSONAL DETAILS NOTIS PENTING BERKENAAN MAKLUMAT PERIBADI The Personal Data Protection Act 2010 (hereinafter referred to as the Act ) came into effect on 15
More informationThis policy provides you with the medical card facilities for cashless admission in any of our panel hospitals in Malaysia.
MediLove PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before your decide to take out the MediLove. Be sure to also read the general terms and conditions) Date: 1. What is this product about?
More informationIKHLAS SAVINGS PRIME TAKAFUL
IKHLAS SAVINGS PRIME TAKAFUL 1 Capai Impian Anda Bukanlah sesuatu yang mustahil untuk anda mencapai impian dan cita- cita. IKHLAS SAVINGS PRIME TAKAFUL merupakan pelan simpanan yang menyediakan dana simpanan
More informationMaybank Gold Investment Account - We Reward You Campaign Terms and Conditions
Maybank Gold Investment Account - We Reward You Campaign Terms and Conditions Campaign Period The Maybank Gold Investment Account We Reward You Campaign (hereinafter referred to as the Campaign ) shall
More information2. What are the Shariah concepts applicable? / Apakah konsep Shariah yang diaplikasikan?
PRODUCT DISCLOSURE SHEET / LEMBARAN PENDEDAHAN PRODUK (Read this Product Disclosure Sheet (PDS) before you decide to take out the i-medic. Be sure to also read the terms in the Letter Offer (if applicable).
More information1. Plaza Premium Lounge access is open to all Principal and Supplementary AmBank / AmBank Islamic credit cardholders as defined in clause 2.
TERMS & CONDITIONS: PLAZA PREMIUM LOUNGE ACCESS The following revision below will be effective from 1 August 2018 onwards. 1. Plaza Premium Lounge access is open to all Principal and Supplementary AmBank
More information1. What is this product about? This policy provides Comprehensive cover only. The coverage of the policy as per table below: - Types
SOMPO MOTOR (PRIVATE CAR COMPREHENSIVE INSURANCE POLICY) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the Shell easigo American Express Prepaid Card issued by Maybank. Be sure to also read the general terms and conditions.
More information1. What is this product about? This policy provides Comprehensive cover only. The coverage of the policy as per table below:- Types
SOMPO MOTOR INSURANCE (PRIVATE CAR COMPREHENSIVE POLICY) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general
More informationThis policy provides you with the medical card facilities for cashless admission in any of our panel hospitals in Malaysia.
MediLove PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before your decide to take out the MediLove. Be sure to also read the general terms and conditions) Date: 1. What is this product about?
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Credit Card Balance Transfer. Please be sure to also read the terms and conditions governing Balance
More informationPRODUCT DISCLOSURE SHEET
Optimuz PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Optimuz Policy. Be sure to also read the general terms and conditions.) Date: 1st August 2015
More informationAllianz General Insurance Company (Malaysia) Berhad ( V)
Prepared for: Printed Date as: PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up CIMB Auto Relief Insurance Policy. Be sure to also read the general terms and conditions.)
More informationTAX INVOICE / INVOIS CUKAI INVOICE NO. NO. INVOIS DATE TARIKH GST REGISTRATION NO. NO. PENDAFTARAN GST : POLITEKNIK KUCHING SARAWAK
POLITEKNIK SARAWAK KM. 22 JALAN MATANG TAX INVOICE / INVOIS CUKAI INVOICE NO. NO. INVOIS DATE TARIKH GST REGISTRATION NO. NO. PENDAFTARAN GST : TI-GEN-2018-07-00094836 : 24/07/2018 : 000082276352 06-103-GCA02264
More informationTERMS AND CONDITIONS
RHB Bank Berhad (6171-M) and RHB Islamic Bank Berhad (680329-V) TERMS AND CONDITIONS RHB BALANCE CONVERSION PROGRAMME 1. The RHB Bank Berhad (Company No. 6171-M) ( RHB Bank ) and RHB Islamic Bank Berhad
More informationMaybank Visa Debit Picture Card
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Debit Cards. Be sure to also read the general terms and conditions.) DEBIT CARDS: Maybank Visa Debit Picture
More informationi-great MURNI 2.0 As Easy As It Gets!
Family Takaful i-great MURNI 2.0 As Easy As It Gets! Simplified Underwriting Basic Sum Covered of up to RM500,000 5 Choice of Plans It s So EASY to Get Coverage! No Intermediary Fast Technology Driven
More informationEPPTnCv0916 Co. Reg. No: W
Terms and Conditions OCBC Easy Payment Plan The Terms and Conditions herein apply to the OCBC Easy Payment Plan ( the Programme ) and are to be read in conjunction with the OCBC Cardmember s Agreement
More informationSUN LIFE MALAYSIA TAKAFUL BERHAD MASTER CONTRACT. BIZ SHIELD-i
SUN LIFE MALAYSIA TAKAFUL BERHAD MASTER CONTRACT BIZ SHIELD-i A joint venture between Sun Life Assurance Company of Canada and Renggis Ventures Sdn Bhd CONTENTS Section Title Page Annexure BSI001 Introduction
More informationHouseowner / Householder Insurance
Houseowner / Householder Insurance PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Houseowner / Householder Insurance. Be sure to also read the general terms
More informationINDUSTRY TRANSFORMATION INITIATIVE REGISTRATION FORM
Local (KL and Selangor): RM180 per participant Please register me for: INDUSTRY TRANSFORMATION INITIATIVE REGISTRATION FORM Outstation (other states including East Malaysia): RM220 per participant Please
More informationPRODUCT DISCLOSURE SHEET (PDS)
PRODUCT DISCLOSURE SHEET (PDS) (Read this Product Disclosure Sheet before you decide to take out this Product. Be sure to also read the general terms and conditions of this Policy) 1. What is this product?
More information