TH Khairat is a Takaful coverage plan which offered financial assistant to its beneficiaries in the event of death or total permanent disability of the depositor.

TH Khairat open to all TH depositor aged 30 days till 65 years old only (the next birthday).

1. 18 years old and above
   Depositors can register for themselves via the THiJARI website/mobile application.


2. Under 18 years old
   Depositors under 18 must be registered via THiJARI website/mobile application by the guardian administering the account.

The amount of coverage offered is RM 12,000 for the death or total permanent disability.

The subscription fee for TH Khairat is RM28 per year.

The subscription fee will be automatically debited from the TH account annually as long as the Takaful certificate is not terminated.

The main requirements for TH Khairat registration are:

• Having a TH account.
• Aged 30 days to 65 years (on the next birthday).
• Having an account balance of at least RM100 available for use.

Depositors can donate a portion of the coverage amount, namely RM2,000, as Infaq to charitable organizations appointed by the Takaful Operator. (Refer to No. 12)

• Syarikat Takaful Malaysia Keluarga Berhad (STMKB)
• Hong Leong MSIG Takaful (HLMT)

Depositors can choose one of these Takaful Operators during the registration process to manage the TH Khairat certificate.

Depositor can register with one Takaful operator or register with both Takaful operators.

Example 1:
Depositors register with Takaful A operators.

Subscription fee: RM28 per year to Takaful A operator

Claim: Beneficiaries are eligible to receive RM12,000 or RM10,000 (in case of Infaq) from Takaful operator A.

Example 2:
Depositors register with Takaful operator A and Takaful operator B.

Subscription fee: RM28 per year for Takaful A operators and RM28 per year for Takaful B operators.

Claim: The beneficiary is eligible to receive RM12,000 or RM10,000 (if Infaq) from Takaful operator A and also eligible to receive RM12,000 or RM10,000 (if Infaq) from Takaful operator B.

To register for dual TH Khairat coverage, depositors need to select and register with two different Takaful operators, namely Syarikat Takaful Malaysia Keluarga Berhad (STMKB) and HLM Takaful (HLMT).

Depositors can choose the Takaful operator during registration via THiJARI. Each transaction allows the selection of only one Takaful operator, so depositors must complete two separate registration transactions to register with both Takaful operators.

There is no difference in terms of benefits and subscription fees between the two Takaful Operators.

Syarikat Takaful Malaysia Keluarga Berhad (STMKB)

1. Sadaqa House
2. Yayasan Magfirah

Hong Leong MSIG Takaful (HLMT)

1. Malaysian Waqf Foundation
2. Federal Territories Islamic Religious Council
3. Kedah Islamic Religious Council
4. Kelantan Islamic Religious Council
5. Awqaf Holdings Berhad
6. Waqf An-Nur

(Charity organizations or recipients of Infaq that are channeled are subject to the approval of the HLM Takaful Shariah Advisory Committee)
 
Infaq is fully managed by the Takaful Operator. For more information, please contact the Takaful Operator.
(Refer to No. 32)

Yes, TH Khairat is Shariah compliant and has been get the approval of the Shariah Advisory Committee TH.

Depositors can appoint anyone as beneficiaries with the following conditions:

1. Having a TH account.


2. Aged 18 years and above.

• No Waiting Period:
  • Death/Total Permanent Disability due to accidents.
  • If the certificate holder passes away due to an accident, the beneficiary is eligible to make a claim.
  • If the certificate holder passes away due to natural causes (illness) during the waiting period, the beneficiary is not eligible to make a claim, and no claims will be paid.


• 3 months Waiting Period:
  • Death/Total Permanent Disability due to natural causes.
  • If the certificate holder passes away after the waiting period (3 months from the registration date), including death due to natural causes (illness), the beneficiary is eligible to make a claim.

The renewal of TH Khairat subscription will be automatically debited from the depositor's TH account within 90 days before the renewal certificate's annivesary.

If the depositor's account balance is insufficient or has exceeded the age qualification at the renewal date, the Takaful certificate will be terminated immediately.

For depositors who have exceeded their 65th birthday, Takaful protection and subsequent subscription payments will be automatically stopped immediately, depositors do not need to apply for certificate termination.

No, subscription fees are non-refundable in the event of termination for any reason cause though.

No, the subscription fee will not be refunded if the eligibility age limit has been exceeded.

The subscription payment when the certificate is in effect is channeled to the Takaful operator which is collected as a donation in one fund for the purpose of compensating Takaful participants in need as agreed by the participants based on the Tabarru' contract.

The depositor can terminate the TH Khairat subscription by informing or contacting the Takaful Operator selected/appointed by the depositor.

Beneficiary information can be updated on the THiJARI website/application.

If a depositor with TH Khairat protection certificate passes away while performing Hajj (during Hajj season) in the Holy Land, the benefit payout will be doubled, amounting to RM24,000.

• Choosing Infaq: The beneficiary will receive RM22,000, and RM2,000 will be donated for charitable purposes (Infaq).

• Not Choosing Infaq: The beneficiary will receive the full amount of RM24,000 with no donation made.

Click on the TH Khairat claim link on the THiJARI login page to download the claim form from the selected Takaful Operator. The completed form should be submitted directly to the respective Takaful Operator.

What is the processing time for the claim payment to be credited to the beneficiary's account?

The claim payment will be credited to the beneficiary's TH account within 30 days from the date of claim application along with the complete documents submitted to the Takaful Operator.

I have registered for TH Khairat and at the same time, I have another registered Takaful certificate with a different Takaful Operator. If I experience total permanent disability, and I make a claim with that Takaful Operator, am I still eligible to make a claim with TH Khairat?

Yes, you are eligible to make a claim with TH Khairat as long as the Takaful certificate is still valid.

If an accident occurs outside the country and causes total permanent disability, am I eligible to make a claim?

Yes, you are eligible to make a claim.

Can I make multiple claims?

If I have further inquiries about the claim application, what information or contact numbers of the Takaful Operator can I reach?

Syarikat Takaful Malaysia Keluarga Berhad
27th Floor, Annexe Block, Menara Takaful Malaysia,
No. 4, Jalan Sultan Sulaiman,
50000 Kuala Lumpur.
P.O. Box 11483, 50746 Kuala Lumpur.
Tel No.: 1-300 88 252 385
Email: csu@takaful-malaysia.com.my

Hong Leong MSIG Takaful Berhad
Tingkat 5, Menara B, PJ City Development,
No. 15A, Jalan 219, Seksyen 51A,
46100 Petaling Jaya, Selangor Darul Ehsan
Tel No.: +603-7650 1800
Fax: +603-7620 6730
Email: ReachUs@takaful.hongleong.com.my
Or visit www.hlmtakaful.com.my

If I have general inquiries about TH Khairat, what contact number can I reach?