TH Khairat is a voluntary plan that offers basic Takaful coverage of RM12,000 against death or total permanent disability with a comprehensive annual subscription starting from RM28. This protection provides financial assistance to the beneficiaries in the event of the depositor's demise. Part of it, amounting to RM2,000, can be contributed (Infaq) on behalf of the deceased to a charitable organization named by the Takaful Operator

✓ Open to TH depositor aged as early as 30 days until 65 years old (on the next birthday)

✓ The Takaful protection against death or total permanent disability 

✓ Coverage benefit of RM12,000

✓ The depositor can choose to allocate a portion of it, namely RM2,000, as Infaq to a charitable organization named by the Takaful Operator.

✓ Annual subscription start as low as RM28

✓ Registration can be done via THiJARI website/mobile application only

TH Khairat is managed by:

Download Service Guide:

• Takaful Malaysia Service Guide
• HLM Takaful Service Guide

THE BENEFITS PAYABLE UNDER AN ELIGIBLE CERTIFICATE ARE PROTECTED BY THE MALAYSIA DEPOSIT INSURANCE CORPORATION (PIDM) UP TO THE PROTECTION LIMIT. PLEASE REFER TO THE PIDM TAKAFUL AND INSURANCE BENEFITS PROTECTION SYSTEM (“TIPS”) BROCHURE OR CONTACT YOUR TAKAFUL OPERATOR OR PIDM (VISIT WWW.PIDM.GOV.MY)

1. Open to TH depositor aged 30 days to 65 years old (on the next birthday).


2. Registration for depositors under 18 must be registered by the guardian administering the account.


3. Ensure that the available balance in your TH account is at least RM100 for registration and for each renewal.


4. The subscription fee will be automatically debited from the TH account annually as long as no termination request is made by the depositor.


5. The Takaful Certificate will not be renewed if the depositor exceed the age of 65 years old (the next birthday) or the account balance is less than RM100


6. The depositor may terminate the Takaful certificate at any time by notifying the appointed Takaful operator.


7. The subscription payment made will not be refunded if the subscription is terminated for any reason.


8. The named beneficiaries must:
   1. Have a TH account
   2. Be aged 18 years and above


9. The depositor is subject to a 3-month waiting period for natural death/TPD, and there is no waiting period for death/TPD due to an accident.


10. Claims can be made by downloading the claim form from the link provided on the THiJARI homepage and submitting it directly to the Takaful Operator.


11. Claims can only be made once by the beneficiary and cannot be transferred.


12. The Infaq arrangement from the coverage amount is fully managed by the Takaful Operator.


13. For further information, please refer to the appointed Takaful Operator's Product Disclosure Sheet.

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