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HLM Takaful Complimentary Special Benefit Programme for Covid-19

Dated 23-01-2021



We are committed in providing Takaful protection to our valued customers especially during this evolving situation with the COVID-19 outbreak.

HLM Takaful is pleased to introduce the HLM Takaful Complimentary Special Benefit Programme for COVID-19 from 28 February 2020 to 30 September 2021.

The added coverage is offered at no cost.

 

Programme Name HLM Takaful Complimentary Special Benefit Programme for COVID-19
Programme Period From 28 February 2020 to 30 September 2021; or when the programme limit is exhausted, whichever is earlier.
Programme Limit RM1 Million
 
Note: This is a combined limit for Hong Leong Assurance Berhad (HLA) & Hong Leong MSIG Takaful Berhad (HLM Takaful); on a first-come-first-served basis.
Eligibility ALL existing and new customers with in-forced medical coverage during the programme’s period.
Enhanced Hospitalisation Benefit
Due to Confirmation of COVID-19

Reimbursement of medical bills due to COVID-19 if receives treatment as a Category 3, 4 or 5 COVID-19 patient at any of Ministry of Health designated private hospitals in Malaysia.

 

COVID-19

Treatment Category

MOH Designated Private Hospital

MOH Designated Government Hospitals / Quarantine Centres

Category 1

RM 200 per day up to 30 days of hospitalisation per life

RM 200 per day up to 30 days of hospitalisation per life

Category 2

Category 3

Reimbursement up to RM5,000 per life

Category 4

Reimbursement up to RM15,000 per life

Category 5

Reimbursement up to RM25,000 per life

 

COVID-19 Treatment Category is determined by COVID-19 Management Guidelines in Malaysia No.5 / 2020 as follows.

 

COVID-19

Treatment Category

Definition

Category 1

Asymptomatic

Category 2

Symptomatic, No Pneumonia

Category 3

Symptomatic, Pneumonia

Category 4

Symptomatic, Pneumonia, Requiring supplemental oxygen

Category 5

Critically ill with multi-oxygen involvement

 

 

Eligibility

Admitted to private hospital

Medical coverage carries an exclusion on communicable diseases requiring quarantine by law.

Admitted to government hospital / quarantine centre

 

Note: Only applicable to admission to quarantine centre that took place on or after 23 January 2021.

Regardless if the medical coverage carries an exclusion on communicable diseases requiring quarantine by law.

 

Due to COVID-19 Vaccination Complications

RM 200 per day up to 7 days of hospitalisation within 30 days from vaccination.

 

Eligibility*

Admitted to private hospital

Medical coverage carries an exclusion on communicable diseases requiring quarantine by law.

Admitted to government hospital

 

Regardless if the medical coverage carries an exclusion on communicable diseases requiring quarantine by law.

*Eligible for COVID-19 patients from Category 1, 2, 3, 4 and 5.

 

Compassionate Benefit
Due to Confirmation of COVID-19 Compassion benefit of RM10,000 in the event of death of the Person Covered due to COVID-19 occurs within the programme period regardless if there is any hospital admission prior to death or not.

 

Eligibility: Person Covered of individual certificate with health & medical coverage

Due to COVID-19 Vaccination Complications Compassion benefit of RM10,000 in the event of death of the Person Covered due to COVID-19 vaccination complications which occurs within 30 days from the vaccination.

 

Eligibility: Person Covered of individual certificate with health & medical coverage

Terms & Conditions
1.Eligibility:
Persons Covered of individual certificate under HLM Takaful Medi-Auni, HLM Takaful Medi-Auni II, HLM Takaful Medic-Pro and HLM Takaful Hospital Income Benefits riders* are ELIGIBLE for the benefits under the HLM Takaful Complimentary Special Benefit Programme.
*The above riders are not exhaustive. Any similar new plan/rider launched during the programme period shall also be entitled for the said programme.
 
2. COVID-19 patients from Category 1, 2,3,4 and 5 are eligible to enjoy ALL the benefits under the Programme.
 
3. NO waiting period applies for the benefits mentioned above.
 
4. NO benefit shall be payable if the diagnosis of COVID-19 is before the commencement date or reinstatement date of the certificate.
 
5. Each Person Covered with in-forced medical coverage is entitled to ONE (1) claim only (i.e. either from HLA or HLM Takaful).
 
6. The Programme is NOT applicable to the Person Covered under group certificates.
 
7. These benefits are ONLY applicable for vaccines that have been approved by the Malaysian government and administered by the appointed parties accordingly.
 
8. Compassionate Benefit payable under this programme is capped at RM10,000 per life.  

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