Products &
Services

HLM Takaful i-Salam

Introduction

What is HLM Takaful i-Salam?
HLM Takaful i-Salam is an affordable Term Takaful product that offers high level of protection for 10 years.

"And assist one another in doing of good and righteousness, and assist not one another in sin and transgression, but keep duty to Allah." Verse Al-Maidah : 2

Why HLM Takaful i-Salam?

RM100,000 of Death or Total and Permanent Disability (whichever earlier)
Benefit for as low as RM16 per month
*based on female aged 20 years old (Age Next Birthday)

You can sign up directly from us without any medical examination and financial underwriting

Option to renew with no underwriting requirement

Benefits

Death or Total and Permanent Disability (whichever earlier)

Contributions

Level Contribution throughout the coverage term (Contribution rates vary upon renewal)

Entry Age*

18-65 years old

Expiry Age*

75 years old

Coverage Term

10 years
with option to renew without underwriting for a maximum of 2 times subject to maximum expiry age of 75 years old

Sum Covered

RM 100,000 - RM 500,000

Click here to estimate your Coverage Needs and Financial Budget.

LeaftLet

PDS i-Salam

Table of Contributions

What is this product about?

HLM Takaful i-Salam is a standalone term plan that provides a lump sum benefit payment upon Death or Total and Permanent Disability (TPD), whichever earlier, during the certificate term.

What is the contribution payment mode?

You can pay the contribution on annually, half-yearly, quarterly or monthly basis.

How can I pay the contribution?

You can pay your contribution by Credit card or Debit card via Standing Instruction (SI).

What are the minimum and maximum Sum Covered offered?

The minimum Sum Covered is RM100,000 and the maximum Sum Covered is RM500,000.

Can I change my Sum Covered subsequent to the inception of the certificate?

No, change in Sum Covered is not allowed.

What is the minimum and maximum entry age for this product?

The minimum entry age is 18 years old and the maximum entry age is 65 years old, age next birthday.

What is the maximum expiry age for this product?

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

Do I need to go for medical check-up?

No medical check-up is required for this product.

When is the Expiry Date for this plan?

The certificate will expire at the end of the 10 years term.

Can I renew my Certificate after 10 years?

Yes. This Certificate offers option to renew for another period of 10 years without underwriting upon expiry of this Certificate, provided that there is no breach of all or any conditions governing this Certificate and as herein contained and as may be endorsed in the Certificate.

How many times can I renew my Certificate?

You may renew your Certificate for a maximum number of 2 times, subject to maximum expiry age of 75, age next birthday, whichever is earlier.

Will the contribution remain the same upon renewal?

No. The contribution rate will vary upon renewal.

Who will receive the death benefits upon my death?

You can choose who will receive the Benefit upon your death by filling in a Nomination form. Your Certificate will state whether you have already nominated a person to receive the Benefit. If you have not nominated anyone, please complete the Nomination form which can be obtained from the Takaful Operator's head office and send it to the Takaful Operator immediately.

How do you make payment for TPD benefit?

We will pay TPD Benefit upon 6 months regular medical attendance and with the provision that you are not able to recover thereafter. The basic Sum Covered will be payable 6 months from the time of incidence of TPD. For Presumptive TPD, the benefit will be payable immediately.

Can I surrender my Certificate?

Yes but no benefit will be payable. The surrender will be effective on the next contribution due date, where the coverage continues till then.

For more information :
Please contact HLM Takaful directly at (603) 7650 1800 or
Email us at ReachUs@takaful.hongleong.com.my

For claims enquiry :
Email us at Claims@takaful.hongleong.com.my