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HLM Takaful FiT CI

A Step Ahead


HLM Takaful FiT CI is a standalone critical illness (CI) Takaful product which covers 10 critical illnesses and guaranteed renewable for a term of 10 years. You will receive a complimentary fitness tracker too!
Step ahead now and get protected with a hassle-free sign-up. Get fit to stay healthy!

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Why HLM Takaful FiT CI?

• The Takaful plan that comes with a complimentary FITNESS TRACKER

• Get fit to STAY HEALTHY

• Get protection against 10 MAJOR CRITICAL ILLNESSES

• For just RM3.30 per day, receive up to RM1 MILLION* coverage



*For individual aged 21 – 25

Critical Illness Benefit

Upon diagnosis of any one of the Critical Illnesses listed below, and provided that the Person Covered survives for at least 30 days after the date of diagnosis, 100% of the basic sum covered will be payable in one lump sum and the certificate shall terminate:

1. Heart Attack 6. Primary Pulmonary Arterial Hypertension
2. Cancer 7. Serious Coronary Artery Disease
3. Coronary Artery By-Pass Surgery 8. Surgery to Aorta
4. Cardiomyopathy 9. Stroke
5. Heart Valve Surgery 10. Alzheimer’s Disease / Severe Dementia

Please refer to the Takaful certificate for the definition of the above Critical Illnesses.

Note: The product features stated above are not exhaustive. Please refer to the Product Disclosure Sheet or Takaful certificate for more details.

What is HLM Takaful FiT CI?

This is a standalone Critical Illness (CI) Takaful product which covers 10 Critical Illnesses. This plan is guaranteed renewable for a term of 10 years.

What are the Shariah concepts applicable?

(a) Tabarru’ means donation from the portion of the contribution that will be allocated to the Participants' Risk Fund (PRF), which will be used for mutual aid and assistance among the fellow participants.

(b) Iltizam Bi Al-Tabarru’ means the commitment to make Tabarru'.

(c) Wakalah means essentially an agent-principal relationship, where the Takaful Operator act as an agent on behalf of the participants to manage the PRF and the Takaful Operator earns Wakalah Fee for services rendered.

(d) Ju’alah means an agreement in which the participant agrees to reward the Takaful Operator for its achievement or good performance in managing the PRF that leads to Surplus of the fund.

(e) Qardh means an interest-free loan provided by the Takaful Operator in the event of a deficit in the PRF.

What does HLM Takaful FiT CI cover?

HLM Takaful FiT CI covers 10 Critical Illnesses as shown in the table below:

List of Critical Illness Benefit Payable
Alzheimer’s Disease / Severe Dementia

100% Basic Sum Covered
Cancer – of specified severity and does not cover very early cancer
Cardiomyopathy – of specified severity
Coronary Artery By-Pass Surgery
Heart Attack – of specified severity
Heart Valve Surgery
Primary Pulmonary Arterial Hypertension – of specified severity
Serious Coronary Artery Disease
Stroke – resulting in permanent neurological deficit with persisting clinical symptoms
Surgery to Aorta

Please refer to the Takaful certificate for the definition of the above Critical Illnesses.

Is the coverage effective immediately on the commencement date?

No, all Critical Illnesses are subject to a waiting period of 30 days, except the following Critical Illnesses which are subject to the waiting period of 60 days:

a) Cancer – of specified severity and does not cover very early cancer

b) Coronary Artery By-Pass Surgery

c) Heart Attack – of specified severity

d) Serious Coronary Artery Disease

Is there any condition prior to claim?

One of the conditions is you need to survive for at least 30 days after the date of diagnosis of the Critical Illness. Please refer to the Takaful certificate for more terms and conditions.

How does the renewal of certificate work?

Upon expiry of the certificate, the certificate will automatically be renewed for another 10 years of coverage without any underwriting requirement, subject to the maximum entry age at renewal and maximum renewal up to 2 times. The contribution will be revised according to your age at renewal. You are required to notify Us at least 30 days prior to the expiry of this certificate if you do not want to renew the certificate for another 10 years term.

Can I surrender the certificate at any time before the expiry date?

Yes, the cash surrender value will be payable if you have not made an approved claim. However, the availability of cash surrender value is depending on your entry age and gender.

What are the available certificate terms?

The certificate term is 10 years, with guaranteed renewability of another 10 years, up to 2 times, subject to the maximum entry age at renewal.

For how long do I have to pay the contributions?

You are required to pay the contributions throughout the entire coverage term.

How frequent do I have to pay contributions?

You are required to pay your contributions based on the payment mode that you had chosen. You may choose to pay annually, semi-annually, quarterly or monthly during your application.

How can I pay the contribution?

You can pay your contribution by Credit/Debit Card via Standing Instruction (SI) or Direct Debit.

How much is the Basic Sum Covered?

The Basic Sum Covered shall be determined based on the entry age and gender, as shown in the table below:

Entry Age (next birthday) Male (RM) Female (RM)
21-25 1,000,000 1,000,000
26-30 750,000 650,000
31-35 500,000 375,000
36-40 250,000 200,000
41-45 150,000 150,000
46-50 100,000 100,000
51-55 60,000 75,000
56-60 35,000 60,000
Who is eligible for this plan?

All individuals aged between 21 years old (next birthday) and 60 years old (next birthday) are eligible except for Professional Sports Person. Please refer to the Takaful certificate for the definition of Professional Sports Person.

How much contribution do I have to pay?

The contribution is fixed at RM1,200 p.a. for all ages and gender. Upon renewal, the contribution will be based on your attained age at the prevailing rates on the date of renewal. The prevailing rates will be determined by Us. The contribution rates will increase as you get older.

Is the contribution guaranteed to be the same throughout the certificate term?

The contribution is level throughout the certificate term, however it is not guaranteed. We reserve the right to vary the contribution rates by giving the Participant 90 days written notice prior to the next certificate anniversary. Claim experience is one of the possible reasons for contribution adjustment. Please note that past trends of increase in the contribution rates do not necessarily reflect the future trend.

Can I participate in more than one certificate of the same plan?

No, you may only participate in one certificate of the same plan.

Can I change my Sum Covered subsequent to the inception of my certificate?

You have the option to reduce the Sum Covered upon every 10-year renewal only.

Can I change my certificate term subsequent to the inception of my certificate?

No, you are not permitted to change your certificate term.

Can I change my contribution payment frequency during the certificate term?

Yes, you are permitted to change the frequency of your contribution payments.

Is there any exclusion in the plan?

Yes, there are circumstances where a claim will be denied. For example, if the individual is diagnosed with cancer during the waiting period (the first 60 days after the certificate takes effect), the cancer claim would not be admissible. For a detailed list of exclusions, please refer to here.

For more information :
Please contact (603) 7650 1800 or
Email us at ReachUs@takaful.hongleong.com.my

For claims enquiry :
Email us at Claims@takaful.hongleong.com.my

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