Hong Leong MSIG TakafulHong Leong MSIG TakafulHong Leong MSIG Takaful

About Takaful

HLMT Takaful Made Easy

In the spirit of brotherly co-operation, solidarity and mutual protection, we are committed to reaching out to everyone who wishes to participate in the takaful program. We pledge to promote takaful to everyone as a fair, transparent and universal instrument for risk management, protection and investment.

  • What is takaful?
  • Risk Management
  • Essential Contracts

Takaful is a protection scheme based on mutual assistance. Takaful contributions are divided into two, one for Investment and the other for Tabarru’.

Tabarru’ is a donation to help participants who fulfil the required conditions to receive assistance.

'… Help You one another in Al-Birr and At-Taqwa (virtue, righteousness and piety); but do not help one another in sin and transgression…' (Al-Maidah : 2)

Risk is defined as the probability or possibility of lost and hazard that could happen. Risk has captured attention in Islam as reflected in the al-Quran and Hadith of the Prophet:

‘...Verily If you leave your beneficiary in rich is better from your leave them in poor and cadge from other people...’ (Bukhari and Muslim)

Contract in Shariah include both bilateral and unilateral.


Any contract dealing with transfer of property will need additional underlying contract that meet the purpose of the contract.


A contract is also known as ‘aqad’ (Arabic term) is defined as the interrelation of offer and acceptance on the subject matter (ma’qud ‘alaih)

Level 5, Tower B, PJ City Development,
No.15A, Jalan 219, Seksyen 51A,
46100 Petaling Jaya, Selangor
Tel: (603) 7650 1800
Fax: (603) 7620 6730