HLM Takaful i-Hospital Care

a) Tabarru’ means donation from the portion of the contribution that will be allocated to the Participants' Risk Fund (PRF), which will be     used for mutual aid and assistance among the fellow participants.

b) Iltizam Bi Al-Tabarru’ means the commitment to make Tabarru'.

c) Wakalah means essentially an agent-principal relationship, where the Takaful Operator act as an agent on behalf of the participants     to manage the PRF and the Takaful Operator earns Wakalah Fee for services rendered.

d) Ju’alah means an agreement in which the participant agrees to reward the Takaful Operator for its achievement or good performance     in managing the PRF that leads to Surplus of the fund.

e) Qardh means an interest-free loan provided by the Takaful Operator in the event of a deficit in the PRF.

a) Hospital Cash Benefit (other than Cancer): If the Person Covered is hospitalised for reasons other than Cancer, a guaranteed     daily cash allowance will be payable.

b) Hospital Cash Benefit due to Cancer: If the Person Covered is hospitalised due to Cancer, the guaranteed daily cash allowance     will be doubled. Upon claim under this benefit, Hospital Cash Benefit (other than Cancer) will not be payable.

Note: The benefit payable shall be limited to 730 days for every confinement.

a) Wakalah Fees is an administration fee that is deducted from the contributions to pay for the management expenses including     marketing costs.

b) Tabarru' will be deducted from the contributions and allocated into the PRF. The Tabarru' rates are non-level and are not guaranteed.     We reserve the right to vary the tabarru' rates by giving the Participant 90 days written notice prior to the next certificate anniversary.

a) upon the certificate expiry;

b) upon death of the Person Covered;

c) if the certificate lapses for a continuous period of more than one (1) year, is surrendered or is otherwise terminated in accordance     with the provisions contained in the certificate;

a) Pre-Existing Illness;

b) Specified Illnesses within 120 days from the certificate commencement date or any reinstatement date of the certificate, whichever is     later;

c) Any disability (except for injury due to accident) and its signs or symptoms that appear within 30 days from the certificate     commencement date or any reinstatement date of the certificate, whichever is later;

d) in respect of any period of confinement to licensed hospital for an illness or injury occurring before payment of the first Tabarru’     amount for the certificate;

e) in respect of any period of confinement to licensed hospital for an illness or injury directly or indirectly caused or accelerated by:

    i) strike, riot, civil commotion, war (whether declared or not);

    ii) engaging in aviation (except as an ordinary fare-paying passenger on a regular public air service);

    iii) being under the influence of intoxicating liquor or any narcotic or drug;

    iv) suicide, attempted suicide, intentional self-injury, dueling or the hands of justice;

    v) insanity;

    vi) venereal disease;

    vii) childbirth, pregnancy, miscarriage and their sequelae; or

    viii) existence of Human Immunodeficiency Virus (HIV) or AIDS Related Complex;

f) treatments, period of confinement or day of confinement that are not medically necessary;

g) treatment of the gums, teeth or direct supporting structure, except where necessitated by an injury;

h) cosmetic surgery of any kind except as a result of an injury;

i) treatment arising as a result of birth defects, hereditary, congenital anomalies or related conditions;

j) convalescent care, rest care, hospice care, rehabilitation or similar treatment;

k) Person Covered committing, attempting or provoking an assault or a felony or from any violation of law by Person Covered.

Note: This list is non-exhaustive. Please refer to the Takaful Certificate for the full list of exclusions under this certificate.