Houseowner/Householder Takaful Plan
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1 Date: / / PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Houseowner/ Householder Takaful Plan. Be sure to also read the general terms and conditions.) Hong Leong MSIG Takaful Berhad Houseowner/Householder Takaful Plan Date: dd/mm/yyyy 1. What is this product about? This product provides comprehensive coverage for your residential properties i.e building and/or contents of private dwelling houses and flats. 2. What are the Shariah concepts applicable? Iltizam bi Al-Tabarru This product applies the Iltizam bi Tabarru concept, whereby any Tabarru (donation) by the Participant into the general takaful fund shall constitute a commitment made by Participant.The actual Tabarru (donation) is deemed to have only occurred upon payment of claims and claims-related costs. Tabarru This product applies the Tabarru concept, whereby the Participant agrees to pay their Contribution to the general takaful fund for the purpose of mutual financial assistance among Participants of the takaful fund Wakalah This product also applies the Wakalah concept, whereby the Participants appoint the Takaful Operator to act on their behalf to invest and manage the takaful fund. As an agent, the Takaful Operator is entitled to receive a Wakalah Fee. Ju alah Jua lah means an agreement in which the Participant promises to reward the Operator for its achievement or good performance in managing the general takaful fund that leads to surplus to the fund. Qardh Qardh means an interest-free loan provided by the Operator in the event of deficit in the general takaful fund. 3. What are the covers / benefits provided? This certificate covers loss or damage to your building and/or contents caused by any of the following 1. Fire, lighting, thunderbolt, subterranean fire 2. Explosion 3. Aircraft and other aerial devices and/or articles dropped therefrom Page 1 of 5
2 4. Impact with any of the buildings: (a) For private dwellings, by any road vehicle or animals not belonging to or under the control of: (i) You; or (ii) Your family member (b) For block of flats or apartments, by any road vehicles or animals not belonging to or under the control of: (i) You; or (ii) Your agent or servant; or (iii) Any person resident on the Private Flats or Apartments 5. Bursting or overflowing of domestic water tanks, apparatus or pipes 6. Theft, but only if accompanied by actual forcible and violent breaking into or out of a building or any such attempt 7. Hurricane, cyclone, typhoon, windstorm 8. Earthquake, volcanic eruption 9. Flood You may extend coverage to the following risks by paying additional Contribution: Applicable if your certificate covers your contents only 1. Contents temporarily removed 2. Breakage to mirrors 3. Compensation for death 4. Servants property Applicable if your certificate covers either your building and/or contents 1. Rent takaful 2. Liability to the public Duration of Cover 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 type of coverage as well as the type of building and construction materials used: Standard cover Contribution : RM for the Sum Covered of RM: Additional cover Contribution : RM The estimated Total Contribution that you have to pay is : RM Page 2 of 5
3 5. What are the fees and charges that I have to pay? Fees/Charges Amount Additional payment Goods and Services Tax (GST) 6% of Contribution Stamp duty RM Wakalah Fees, consisting of:- Commissions paid to the takaful intermediaries Management expenses to the Operator Included in Contribution 15% of Contribution 20% of Contribution 6. What are some of the key terms and conditions that I should be aware of? Importance of disclosure (a) Consumer Takaful Contract (i) Pursuant to Paragraph 5 of Schedule 9 of the Islamic Financial Services Act 2013, if you are applying for this Takaful wholly for purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you apply for this Takaful). You must answer the questions fully and accurately. (ii) Failure to take reasonable care in answering the questions may result in avoidance of your contract of Takaful, refusal or reduction of your claim(s), change of terms or termination of your contract of Takaful. (iii) The above duty of disclosure shall continue until the time your contract of Takaful is entered into, varied or renewed with us. (iv) In addition to answering the questions in the Proposal Form (or when you apply for this Takaful), you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied. (v) You also have a duty to tell us immediately if at any time after your contract of Takaful has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this Takaful) is inaccurate or has changed. (b) Non Consumer Takaful Contract (i) Pursuant to Paragraph 4(1) of Schedule 9 of the Islamic Financial Services Act 2013, if you are applying for this Takaful for a purpose related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of your contract of Takaful, refusal or reduction of your claim(s), change of terms or termination of your contract of Takaful. (ii) The above duty of disclosure shall continue until the time your contract of Takaful is entered into, varied or renewed with us. (iii) You also have a duty to tell us immediately if at any time after your contract of Takaful has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this Takaful) is inaccurate or has changed. You must ensure that your property is covered at the appropriate amount taking into account the renovations made to your property. Contribution Warranty all contributions due must be paid and received by us within 60 days from the inception date of the cover, otherwise the cover is automatically cancelled and you will be responsible to pay the proportion of contribution for the 60 days. You may select to cover your property on Market Value or Reinstatement Value basis (a) Market value basis we will pay the cost of repairing the damaged property less the amount for wear, tear and depreciation. (b) Reinstatement value basis we will pay the full cost of repairing the damaged property without any deductions being made for wear, tear or depreciation, provided that the sum covered is adequate to cover the total cost of reinstating the property. Page 3 of 5
4 If the amount covered in your contract is less than the actual value at the time of loss (i.e. underassured), you are deemed to be self-covering the difference. This average condition will apply in the event of a claim. Excesses, being the amount you have to bear before we indemnify you, are applicable for certain perils, such as overflowing of domestic water tanks, windstorm, earthquake and flood claims. It is important to keep documents such as receipts to show proof of ownership as well as the value of the items covered. Photographs of your valuable items may also be submitted at the time of proposal for the Takaful Operator s records as this may also be helpful in the event of a claim. Note: This list is non-exhaustive. Please refer to the sample takaful certificate for the terms and conditions under this certificate. 7. What are some of the major exclusions under this certificate? This contract does not cover certain losses, such as : War, Civil War and any act of Terrorism Radioactive and nuclear energy risks Date recognition Property damage to data or software The Liability to the Public section does not cover any asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos. Coverage for fatal injury to the participant (this exclusion is applicable to Houseowner certificate) Note: This list is non-exhaustive. Please refer to the sample takaful certificate for the full list of exclusions under this certificate. 8. Can I cancel my certificate? You may cancel your contract by giving written notice to us. Upon cancellation, you are entitled to a refund of the contribution less contribution based on our short period rates for the period of the contract which has been in force, subject to the minimum contribution to be retained by us. No refund of contribution is allowed if there is a claim under the contract. 9. What should I 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 Houseowner / Householder Takaful, please refer to the insuranceinfo booklet on Houseowner/Householder Takaful, available at all our branches or you can obtain a copy from your takaful intermediary or visit If you have any enquiries, you can contact us at: Hong Leong MSIG Takaful Berhad Level 5, Tower B, PJ City Development No. 15A, Jalan 219, Seksyen 51A Petaling Jaya Tel: Fax: ReachUs@takaful.hongleong.com.my Or visit our website at Page 4 of 5
5 11. Other similar types of plan available Fire Takaful Fire Consequential Loss Takaful IMPORTANT NOTE YOU MUST ENSURE THAT YOUR PROPERTY IS COVERED AT THE APPROPRIATE AMOUNT. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT US DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at / / Page 5 of 5
This scheme applies the Shariah concepts of Wakalah and Tabarru'.
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