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ANTAH MEDMAL TAKAFUL

Individual Practitioner

Consent

Important Notice to the applicants

Consumer Takaful Contract

Pursuant to Paragraph 5 of Schedule 9 of the Islamic Financial Services Act 2013, if you are applying for this Takaful wholly for purposes 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 this Proposal Form. You must answer the questions in this Proposal Form fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of Takaful, refusal or reduction of your claim(s), change of terms or termination of your contract of Takaful.


The above duty of disclosure shall continue until the time your contract of Takaful is entered into, varied or renewed with us.


In addition to answering the questions in this Proposal Form, 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. 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 this Proposal Form is inaccurate or has changed.


Non-Consumer Takaful Contract

Pursuant to Paragraph 4(1) of Schedule 9 of the Islamic Financial Services Act 2013, if you are applying for this Takaful for a purpose related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to

know to be relevant, otherwise it may result in avoidance of your contract of Takaful, refusal or reduction of your claim(s), change of terms or termination of your contract of Takaful.


The above duty of disclosure shall continue until the time your contract of Takaful is entered into, varied or renewed with us.


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 this Proposal Form is inaccurate or has

changed.


*Issuance of certificate will take 14 working days by filling complete information for standard cases.


CLAIMS MADE CERTIFICATE

THE TERMS AND CONDITIONS of a Claims Made Certificate provide that, if a claim is made against you or any notice of an intention to make a claim against you is received or circumstances come to your attention which are likely to cause a claim to be made against you or which you should reasonable expect to cause a claim to be made against you during the term of the Certificate then you must immediately notify Takaful Ikhlas General Berhad thereof. This notification must be given during the term of the Certificate for the Certificate to apply.


The time of happening of the acts or circumstances which give rise to a claim or possible claim is not of relevance provided they occur after the retroactive date stated on the Certificate of Takaful and the

relevant sum covered is adequate. Your obligation under the Certificate is to communicate to Takaful Ikhlas General Berhad during the term of the Certificate a claim, notice of a possible claim or circumstance or act which comes to your attention and which may give rise to a claim or which you should reasonably expect may give rise to a claim as soon as is reasonably possible after such is made, received or has come to your attention. Upon expiry of the Certificate no further claims can be made there under and the need to maintain Takaful or to arrange run off coverage is essential.

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