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HSBC AMANAH TAKAFUL (MALAYSIA) SDN. BHD.

BAHAGIAN PINJAMAN PERUMAHAN, PERBENDAHARAAN MALAYSIA

SILA MASUKKAN SEMUA MAKLUMAT YANG BERKENAAN DENGAN BETUL

Umur Harijadi Terhampir :

Jantina :

Nilai Penuh Hartanah (S & P) : RM

Jenis Bangunan :

Status Bangunan :

Pinjaman Dipohon : RM

Tempoh Pinjaman : Tahun

Tempoh Takaful : 1 Tahun

Sumbangan Takaful Empunya Rumah: RM #N/A

Sumbangan Takaful Gadaijanji : RM

Jumlah Perlindungan Takaful : RM

Anggaran Bayaran Balik (Bulanan) : RM

Nota:- Tempoh bayaran balik tertakluk kepada Tempoh Pinjaman.

- Jika rumah telah siap, bagi Takaful Kebakaran, Tempoh Pinjaman perlu +1 dan Tempoh Rumah Siap ialah 0 tahun.

- Jika rumah dalam pembinaan, Tempoh Pinjaman mengikut tempoh sebenar dan Tempoh Rumah Siap ialah 2 tahun.

PENGIRAAN TAKAFUL KEBAKARAN/PEMILIK RUMAH & TAKAFULGADAIJANJI & ANGGARAN BAYARAN BALIK BULANAN

PENGIRAAN TAKAFUL KEBAKARAN & TAKAFUL GADAIJANJI & ANGGARAN BAYARAN BALIKBULANAN


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ment of contribution as

abila sumbangan

bject to there being no

Sebut Harga tersebut

ko-risiko, kadar-kadar

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JURUJUAL)

uotation is the same as the

at dalam Sebut Harga

: .

PRE-APPROVAL OF TAKAFUL MORTGAGE PROTECTOR

PRA-KELULUSAN TAKAFUL MORTGAGE PROTECTOR

00- Jan -19


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How to safeguard your Takaful certificate benefits?

Step 1

Step 2

Step 3

Important Notice!

This product is managed by:-

HSBC Amanah Takaful (Malaysia) Sdn. Bhd. (731530-M)

No. 1, Leboh Ampang

50100 Kuala Lumpur

Tel: 03-2096 5200; Fax: 03-2031 8976; Toll Free : 1-800-88-9659

First of all, you should inform your next of kin that you have purchased a TMP certificate or mention it in your will and keep yourcertificate documents in a safe place. In the unfortunate event that a claim arises, the first step is to contact any HSBC BankMalaysia Berhad branch or the Takaful operator and obtain a claim form.

Please complete the claim form and send it back to HSBC Bank Malaysia Berhad. This will be submitted to the Takaful operatorconcerned. Please comply strictly with the requirements of the claim form to avoid unnecessary delay.

The Takaful operator concerned will liaise with your branch account. The takaful benefit amount payable will be paid to yourbranch of account for the settlement of your housing loan/home financing outstanding with the Bank. Any excess amount will bepaid to you or to your estate (as applicable).

1. If you settle your housing loan / home financing earlier than scheduled and accordingly terminate the Takaful certificate, youwill get back less than the amount of contribution you have paid. However, you can also continue with the coverage until itsexpiry.

2. Should there be shortfall between the takaful benefit amount and your housing loan / home financing outstanding with theBank, the amount shortfall will be recovered from you or your estate.

3. Please note that this document is for reference only and does not constitute professional advice. You should refer to the MasterCertificate for the exact terms and conditions.

3rd Floor, Wisma Hamzah Kwong Hing


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KEY FEATURES DOCUMENT

Takaful Mortgage Protector Plus (TMP Plus)

What is TMP Plus?

What does TMP Plus cover?

Upon Death or first time diagnosis of a Critical Illness, the Reducing Sum Covered will be payable in one lump sum to the Bank.

Upon TPD, the Reducing Sum Covered will be payable to the Bank in 2 instalments as follows:-

What about exclusions (i.e. coverage which is not provided by the Takaful certificate) ?

The exclusions are as follows:-

Coverage Exclusions

Death

Total and Permanent Disability (TPD)

This document is designed to highlight what HSBC Bank Malaysia Berhad (the Bank) consider are the key points you

should know before you purchase the above Takaful product. We recommend that you keep this document for futurereference. This document is a summary only and not a comprehensive restatement of all relevant terms on which the Bankhave arrange for such protection under the Certificate between the Bank (Master Certificate Holder) and HSBC AmanahTakaful (Malaysia) Sendirian Berhad (the Takaful Operator). You will be issued with a certificate by the Takaful Operatoron your coverage. The terms are contained in the Master Certificate issued by the Takaful Operator to the Bank, whichshall be conclusive in interpreting the terms of the coverage.

TMPPlus are decreasing term Takaful plans that cover your housing loan / home financing outstanding with the Bank.Additionally, any surplus from the Takaful fund will be shared between the Participants and the Takaful Operator on a ratio of20:80. Takaful Operator will calculate the surplus annually and pay the accumulated amount, if any, to the Participant at the end ofthe takaful period.

TMP Plus pays off your housing loan / home financing outstanding with the Bank in the event of Death or Total and Permanent Disability(TPD) based on the Reducing Sum Covered in the Takaful Schedule. It will also settle your housing loan / home financing outstanding withthe Bank if you are diagnosed for the first time during the Takaful period to be suffering from any of the 36 Critical Illness listed belowwhich commenced more than 30 days from date of issuance of the Takaful certificate and before the expiry of the Takaful period:-

heart attack heart valve replacement major burns loss of independent

stroke coma major head trauma existence

cancer paralysis/paraplegia terminal illness encephalitis

coronary artery multiple sclerosis benign brain tumor apallic syndrome

disease, kidney failure Parkinsons disease poliomyelitis

AIDS due to blood fulminant viral hepatitis chronic liver disease medullary cystic disease

transfusion primary pulmonary arterial chronic lung disease cardiomyopathy

surgery to aorta hypertension

motor neurone

muscular dystrophy

major organ transplant blindness disease aplastic anaemia

[kidney, lung(s), liver, loss of hearing/deafness Alzheimers disease bacterial meningitis.

heart or bone marrow] loss of speech brain surgery

An additional benefit equal to 5% of the initial Reducing Sum Covered (up to a maximum of RM10,000 per life), shall be payable in theevent of Death, TPD or first time diagnosis of any of the above Critical Illnesses.

1st payment of the Reducing Sum Covered equal to 12 monthly instalments of the loan repayment

2nd payment will be the balance Reducing Sum Covered payable after 12 months from when the 1st Reducing Sum Covered payment ismade.

In the event of Death or diagnosis of a Critical Illness before the 2 nd payment, the balance Reducing Sum Covered will be payable in one

lump sum.The Reducing Sum Covered payable is based on the Schedule of Coverage at the beginning of each year in the year the claim arises as statedin the Takaful Schedule.

Suicide within one year of commencement of cover.

Any attempted suicide or self-inflicted injury while sane or insane

Any riot, civil commotion, strikes or terrorist activities.

TPD due to pre-existing condition during the ninety (90) days preceding the date of

the commencement of Takaful coverage.

Any service in armed forces in a war (whether declared or undeclared).

Aviation except as fare paying passenger in a commercial aircraft licensed forpassenger service on a scheduled flight over an established route.

Any drug and/or alcohol abuse except for those under medical advice.

Any participation in any dangerous sporting activity or hobbies (i.e. hang-gliding, sky-

diving, bungee jumping, hunting, mountaineering, racing).

Any racing other than on foot.


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Coverage Exclusions

How to safeguard your Takaful certificate benefits?

Step 1

Step 2

Step 3

Important Notice!

This product is managed by:-

HSBC Amanah Takaful (Malaysia) Sdn. Bhd. (731530-M)

No. 1, Leboh Ampang

50100 Kuala LumpurTel: 03-2096 5200; Fax: 03-2031 8976; Toll Free : 1-800-88-9659

Critical Illness(CI)

Any illness diagnosed prior to the commencement date of Takaful coverage

Coronary Artery Bypass surgery if the Participant had diagnosed of Heart

Attack prior to the Commencement Date of Takaful coverage.

Any injury or illness caused by self-inflicted injuries.

Any service in armed forces in a war (whether declared or undeclared).

Aviation except as fare paying passenger in a commercial aircraft licensed for

passenger service on a scheduled flight over an established route.

Any drug and/or alcohol abuse except for those under medical advice.

Any participation in any dangerous sporting activity or hobbies (i.e. hang-

gliding, sky-diving, bungee jumping, hunting, mountaineering, racing).

Any racing other than on foot.

This Critical Illness coverage is effective only after 30 days from the date of

issuance of Takaful certificate.

First of all, you should inform your next of kin that you have purchased a TMP Plus certificate or mention it in your will and keep yourcertificate documents in a safe place. In the unfortunate event that a claim arises, the first step is to contact any HSBC BankMalaysia Berhad branch or the Takaful operator and obtain a claim form.

Please complete the claim form and send it back to HSBC Bank Malaysia Berhad. This will be submitted to the Takaful operatorconcerned. Please comply strictly with the requirements of the claim form to avoid unnecessary delay.

The Takaful operator concerned will liaise with your branch account. The takaful benefit amount payable will be paid to yourbranch of account for the settlement of your housing loan/home financing outstanding with the Bank. Any excess amount will bepaid to you or to your estate (as applicable).

1. If you settle your housing loan / home financing earlier than scheduled and accordingly terminate the Takaful certificate, youwill get back less than the amount of contribution you have paid. However, you can also continue with the coverage until itsexpiry.

2. Should there be shortfall between the takaful benefit amount and your housing loan / home financing outstanding with theBank, the amount shortfall will be recovered from you or your estate.

3. Please note that this document is for reference only and does not constitute professional advice. You should refer to the MasterCertificate for the exact terms and conditions.

3rd Floor, Wisma Hamzah Kwong Hing

Documents

calculator_TMP_HTS-FT_v1-2