Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk memilih Mortgage
Reducing Term Takaful. Sila pastikan juga anda telah membaca terma umum dan syarat.
Nama Penyedia Perkhidmatan Kewangan : Great Eastern Takaful Berhad ("Pengendali Takaful",
"Kami")
Nama Produk : Mortgage Reducing Term Takaful
Tarikh : 26/05/2022
____________________________________________________________________________________
Nota:
i. Tertakluk kepada terma dan syarat. Sila rujuk pada Sijil Takaful untuk Jadual Jumlah
Perlindungan Berkurangan.
ii. Bayaran bagi HUPK adalah terhad kepada jumlah keseluruhan tidak melebihi RM2,000,000
bagi Sijil ini dan semua sijil individu dan berkaitan kredit termasuk endorsmen dan aneksur, jika
ada, (kecuali sijil-sijil berkelompok) yang dikeluarkan oleh Kami ke atas Orang yang Dilindungi
yang sama selepas tuntutan dibenarkan oleh Kami.
Product
Risalah Disclosure Sheet
Pemberitahuan Produk
Nota-nota:
• PIA merupakan akaun yang mana caruman dan Lebihan Pengunderitan (jika ada) dan/ atau Keuntungan
Pelaburan (jika ada) yang terhasil akan diperuntukkan.
• Dana Tabarru' merupakan kumpulan dana yang diwujudkan bagi tujuan perpaduan dan kerjasama antara
Orang yang Dilindungi yang digunakan untuk membantu semua Orang yang Dilindungi seandainya berlaku
perkara yang tidak diingini.
Nota:
Product Disclosure Sheet
Risalah Pemberitahuan Produk
Senarai ini adalah tidak menyeluruh. Sila rujuk Sijil Takaful bagi senarai penuh pengecualian di
bawah pelan ini.
9. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya?
Adalah penting bagi anda untuk memberitahu Kami sekiranya terdapat perubahan maklumat untuk
menghubungi anda untuk memastikan supaya semua urusan surat-menyurat sampai kepada anda
dalam tempoh yang sepatutnya.
NOTA PENTING:
ANDA MESTILAH MEMASTIKAN BAHAWA ANDA DILINDUNGI SEPENUHNYA BERDASARKAN
PEMBIAYAAN YANG DIAMBIL DARIPADA LPPSA. ANDA SEHARUSNYA BERPUAS HATI
BAHAWA PELAN INI AKAN MEMENUHI KEPERLUAN ANDA DENGAN SEBAIKNYA. JUMLAH DI
DALAM PIA ADALAH TIDAK DIJAMIN DAN RISIKO PELABURAN DI BAWAH PELAN INI AKAN
DITANGGUNG OLEH ANDA. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI SIJIL TAKAFUL
ANDA SERTA BERBINCANG DENGAN EJEN PERKHIDMATAN ANDA ATAU TERUS
MENGHUBUNGI KAMI BAGI MENDAPATKAN MAKLUMAT LANJUT.
Jika terdapat percanggahan antara versi Bahasa Inggeris dan Bahasa Malaysia untuk Risalah
Pemberitahuan Produk ini, versi Bahasa Inggeris akan digunakan.
Istilah “Peserta” merujuk kepada institusi kewangan yang bertindak sebagai pengantara.
Product Disclosure Sheet
Product Disclosure Sheet
Maklumat yang disediakan dalam risalah pemberitahuan ini adalah sah pada 26/05/2022 .
Note: Please read this Product Disclosure Sheet before you decide to take up Mortgage Reducing
Term Takaful. Be sure to also read the general terms and conditions.
Note:
i. Terms and conditions apply. Please refer to the Benefit Illustration or Takaful Certificate for the
Schedule of Reducing Sum Covered.
ii. The payment to be made for TPD shall be limited to an amount not exceeding RM2,000,000 in
aggregate under this Certificate and all individual and credit-related certificates including
endorsement and annexure, if any, (but excluding any group certificates) issued by Us on the
same Person Covered after the claim is admitted by Us.
Product Disclosure Sheet
Product Disclosure Sheet
Notes:
• PIA is the account into which the contribution and Underwriting Surplus (if any) and/ or Investment Profit (if
any) arising shall be allocated.
• Tabarru' Fund is a pool of funds established for the purpose of solidarity and cooperation among the Person
Covered that is used to help all Person Covered in the event of misfortunes.
6. What are some of the key terms and conditions that I should be aware of?
Importance of : You must disclose all material facts such as medical condition, and state
disclosure your age correctly.
Free-look period : Person Covered may notify Participant to cancel the certificate by
returning the certificate within 15 days from the delivery of the certificate,
in which case We shall then immediately refund an amount that equals
the contribution paid less the medical expenses incurred (if any) for the
medical examinations.
Surrender value : You may receive the remaining amount in PIA upon termination or
maturity of this plan, which may be less than the total allocated
contribution into the PIA. No benefits will be payable from the Tabarru’
Fund.
Claim : Claim forms can be obtained from the servicing intermediary or Us. Proof
Procedures of claim must be accepted and approved by Us to facilitate payment of
any benefit. In the event of claim, it is advisable to notify the servicing
intermediary or Us immediately.
Note:
This list is non-exhaustive. Please refer to the Takaful Certificate for the terms and conditions under
this certificate.
Note:
This list is non-exhaustive. Please refer to the Takaful Certificate for the full list of exclusions under
this plan.
Yes, you can cancel your certificate. The consent from the Participant is needed should the Person
Covered decides to cancel the certificate. If the certificate is terminated early, you may get less than
the amount of contribution paid.
IMPORTANT NOTICE:
YOU MUST ENSURE THAT YOU ARE COVERED ADEQUATELY BASED ON THE FINANCING THAT
YOU ARE TAKING FROM LPPSA. YOU SHOULD BE CONVINCED THAT THIS CERTIFICATE WILL
BEST SERVE YOUR NEEDS. THE AMOUNT IN PIA IS NOT GUARANTEED AND THE INVESTMENT
RISK UNDER THIS PLAN WILL BE BORNE BY YOU. YOU SHOULD READ AND UNDERSTAND THE
TAKAFUL CERTIFICATE AND DISCUSS WITH YOUR SERVICING INTERMEDIARY OR CONTACT
US DIRECTLY FOR MORE INFORMATION.
If there is any discrepancy between English and Bahasa Malaysia versions of this Product Disclosure
Sheet, the English version shall prevail.
The term “Participant” shall refer to the financial institution that acts as an intermediary.
Sila baca Helaian Pendedahan Produk ini sebelum anda membuat Takaful Kebakaran Jangka Panjang
keputusan untuk membeli Takaful Kebakaran Jangka Panjang.
Pastikan anda juga membaca terma-terma dan syarat-syarat am.
Tarikh : 26/05/2022 .
Tabarru’
Pelan ini juga menggunapakai konsep Tabarru’, di mana para peserta bersetuju untuk membayar sumbangan mereka kepada
Dana bagi tujuan saling bantu membantu dan menolong mana-mana peserta lain yang memerlukan bantuan. Pada akhir setiap
tahun kewangan, sebarang lebihan dalam Dana tolak pembayaran balik defisit bersejarah dan peruntukan luar jangka, diagih
50% di kalangan peserta yang belum menamatkan sijil dan belum membuat apa-apa tuntutan di dalam tahun kewangan
tersebut dan 50% kepada kami kerana mengendali dan menguruskan Dana, berasaskan kontrak Ju’alah. Ju’alah adalah kontrak
yang menentukan pengagihan perkongsian lebihan. Jika lebihan itu kurang daripada RM10.00, lebihan itu akan dimasukkan ke
dalam tabung kebajikan yang akan digunakan sebagai amal jariah bagi pihak Peserta.
Tempoh perlindungan adalah satu tahun. Anda perlu memperbaharui manfaat tambahan setiap tahun.
Untuk maklumat lanjut, sila rujuk kepada Etiqa Unit Perniagaan Kerajaan.
6. Apakah terma-terma dan syarat-syarat penting yang harus saya ambil perhatian?
Kepentingan Pendedahan
a. Menurut Perenggan 5 daripada Jadual 9 Akta Perkhidmatan Kewangan Islam 2013, jika anda memohon takaful ini
sepenuhnya untuk tujuan yang tidak berkaitan perdagangan, perniagaan atau profesion anda, anda mempunyai
kewajipan untuk mengambil langkah yang munasabah untuk tidak salah nyata dalam menjawab soalan-soalan di dalam
Borang Permohonan (atau semasa memohon takaful ini). Anda dikehendaki menjawab soalan-soalan dalam Borang
Permohonan ini dengan lengkap dan tepat.
b. Kegagalan untuk mengambil langkah yang munasabah dalam menjawab soalan-soalan, mungkin mengakibatkan
pembatalan kontrak takaful anda, keengganan atau pengurangan gantirugi, perubahan terma atau penamatan kontrak
takaful anda.
c. Kewajipan pendedahan diatas hendaklah diteruskan sehingga kontrak takaful anda dimeterai, diubah atau
diperbaharui dengan kami.
d. Sebagai tambahan kepada soalan-soalan di dalam Borang Permohonan (atau semasa memohon takaful ini), anda
dikehendaki untuk mendedahkan apa-apa perkara lain yang anda tahu akan mempengaruhi keputusan kami dalam
menerima risiko dan menentukan kadar dan terma yang dikenakan.
e. Anda juga mempunyai kewajipan untuk memberitahu kami dengan serta-merta jika pada bila-bila masa selepas kontrak
takaful anda ditandatangani, diubah atau diperbaharui dengan kami (atau semasa permohonan takaful ini), apa-apa
maklumat yang dinyatakandalam Borang Permohonan tidak tepat atau sudah berubah.
Nilai Pasaran
a. Anda perlu memastikan harta anda dilindungi pada jumlah yang secukupnya sepanjang masa, dengan mengambil kira
pengubahsuaian dan penambahbaikan yang dilakukan. Amaun yang dilindungi mesti melindungi kos membina semula
rumah anda sekiranya berlaku kerugian / kerosakan.
b. Untuk membantu anda dalam menentukan jumlah yang dilindungi, anda boleh menggunakan anggaran kalkulator kos
bangunan yang disediakan oleh Persatuan Takaful Malaysia (MTA) melalui pautan berikut:
http://www.malaysiantakaful.com.my/Consumer-Zone/Building-Cost-Calculator.aspx. Sila ambil perhatian bahawa anda
dinasihatkan untuk mendapatkan nasihat profesional bebas jika harta itu telah diubahsuai secara meluas dan / atau
mempunyai reka bentuk yang unik / tidak standard.
Fasal Purata – Sekiranya jumlah yang dilindungi dalam sijil takaful anda adalah kurang daripada nilai sebenar pada waktu
kerugian berlaku, anda adalah dianggap sebagai menanggung sendiri perbezaannya dan anda akan menanggung
sebahagian daripada kerugian secara berkadar.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada sijil takaful untuk melihat keseluruhan terma dan syarat.
NOTA PENTING:
ANDA HENDAKLAH MEMASTIKAN HARTA ANDA DILINDUNGI DENGAN NILAI YANG BERPATUTAN. ANDA HARUS BACA DAN FAHAMI
KANDUNGAN SIJIL TAKAFUL DAN BERBINCANG DENGAN PEMBIAYA KEWANGAN PERUMAHAN ANDA ATAU HUBUNGI KAMI UNTUK
MAKLUMAT LANJUT.
Maklumat yang terkandung dalam helaian pendedahan ini adalah sah pada 26/05/2022 .
PRODUCT DISCLOSURE SHEET Etiqa General Takaful Berhad (“We/Us/Our”)
Read this Product Disclosure Sheet before you decide to participate in the Long Term Fire Takaful
Long Term Fire Takaful. Be sure to also read the general terms and
conditions.
Date : 26/05/2022 .
Tabarru’
This plan also applies the Tabarru’ concept, whereby the participants agree to donate or contribute their contributions to the
Fund for the purpose of mutual aid and assistance to the participants, in case of need. At the end of each financial year, any
distributable surplus in the Fund, less repayment of historic deficits and allowance for a contingency provision, is shared
50% among the participants whose certificates have not terminated and who have not made any claims within the financial
year, and 50% to us for operating and managing the Fund, based on the contract of Ju’alah. Ju’alah is a wage contract that
specifies the share of the distribution of surplus on this basis. If the surplus is less than RM10.00, the surplus is to be
credited into a charitable fund which will be utilized as ‘amal jariah’ on behalf of the participant.
The period of coverage is based on the financing period as agreed between the Person Covered and the financier, i.e. Lembaga
Pembiayaan Perumahan Sektor Awam (LPPSA).
In addition, you may extend the Basic Fire certificate to cover loss or damage caused by the following perils by paying
additional contribution:
Flood;
Bursting or overflowing of water tanks apparatus or pipes;
Storm & tempest,
Earthquake and volcanic eruption;
Subsidence and landslip;
Damage by falling trees or branches and objects.
Duration of cover for the additional perils is for one year. You need to renew your additional perils annually.
Please refer to Etiqa Government Business Unit for more information.
6. What are some of the key terms and conditions that I should be aware of?
Importance of Disclosure
a. Pursuant to Paragraph 5 of Schedule 9 of the Islamic Financial Services Act 2013, if you are applying for this
takaful wholly for purpose unrelated to your trade, business or profession, you have a duty to take reasonable care
not to make a misrepresentation in answering the questions in the Application Form (or when you apply for this
takaful). You must answer the questions fully and accurately.
b. Failure to take reasonable care in answering the questions may result in avoidance of your contract of takaful,
refusal or reduction of our claim(s), change of terms or termination of your contract of takaful.
c. The above duty of disclosure shall continue until the time your contract of takaful is entered into, varied or
renewed with us.
d. In addition in answering the questions in the Application Form (or when you apply for this takaful), you are
required to disclose any other matter that you know to be relevant to our decision in accepting the risks and
determining the rates and terms to be applied.
e. You also have a duty to tell us immediately if at any time after your contract of takaful has been entered into,
varied or renewed with us any of the information given in the Application Form (or when you applied for this
takaful) is inaccurate or has changed.
Market Value
a. You must make sure that your property is adequately covered at all times, taking into account the renovations and
enhancements made to your property. The sum covered should cover the cost of rebuilding and replacement of your
property in the event of loss or damage.
b. To assist you in determining the sum covered, you may use the estimated building cost calculator provided by Malaysian
Takaful Association (MTA) via the following link: http://www.malaysiantakaful.com.my/Consumer-Zone/Building-Cost-
Calculator.aspx. Please note that you are advised to seek independent professional advice if the property had been
extensively renovated and/or have unique/non-standard design.
Average - If your covered building hereby shall, at the time of loss, be of greater value than the sum covered, then you
shall be considered as being your own takaful operator for any difference, and shall bear a rateable proportion of the loss
accordingly
Note: This list is non-exhaustive. Please refer to the takaful certificate for the full list of terms and conditions.
IMPORTANT NOTE:
YOU MUST ENSURE THAT YOUR PROPERTY IS COVERED AT THE APPROPRIATE AMOUNT. YOU SHOULD READ AND UNDERSTAND
THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE HOME FINANCIER OR CONTACT US DIRECTLY FOR MORE INFORMATION.
The information provided in this disclosure sheet is valid as at 26/05/2022 .