M-Tiara Hajj

1. Tabarru’ Fund refers to a pool of fund established for the purpose of solidarity and cooperation among the participants that is used to help all participants in the event of misfortune. 
   
   
2. Participant’s Individual Account (PIA) refers to the individual account into which the contribution and surplus and/ or profit arising shall be allocated. 
   

1. M-Tiara Hajj is a regular contribution Family Takaful plan that matures at age 70 years next birthday or up to a maximum cover of 30 years with extra benefits of protection while performing the Hajj or Umrah. 
   
   
2. Contributions are payable until end of coverage term or death or TPD, whichever comes first. The contribution must be paid regularly to ensure your PIA is sufficient to cover your protection at all times. 
   
   
3. You should satisfy yourself that this plan will best serve your needs and that the contributions payable under the certificate are affordable to you.  
   
   
4. A ‘Free-Look Period’ of 15 days from the delivery date of the certificate is given for you to review the suitability of the plan. If the certificate is returned to the Takaful Operator during this period, the Takaful Operator shall refund an amount equal to the amount of contributions paid minus the expenses incurred for the medical examination (if any ).
   
   
5. 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. Under such circumstance, no benefits will be payable from Tabarru’ Fund.
   
   
6. The amount in PIA is not guaranteed and the investment risk under this plan will be borne by you.
   
   
7. You may stop paying contributions and still enjoy protection as long as there is a sufficient amount of money in PIA to pay for the Tabarru’ rates, where applicable. However, there is a possibility of the certificate lapsing when the required charges, including the Tabarru’ rates exceed the money available in PIA. 

Terms and conditions apply. This information is for general information only. You are advised to refer to the Benefit Illustration, Product Disclosure Sheet and sample of certificate for detailed features and benefits of the plan before participating in the plan.