What would be the acceptance procedure to participate?

You will only be required to fill in a simple Application Form. However, HLM Takaful may require additional information from you if deemed necessary. This may include a medical examination and its cost will be borne by HLM Takaful.

Notes:

• You should satisfy yourself that the plan will best serve your needs and that the contribution payable under the contract is an amount you can afford.
• This leaflet is merely for simple brief information and is not intended to be the basis of a contract of Takaful. The information contained in this leaflet may be changed without prior notice. The precise benefits, terms and conditions and other details of coverage are set out in the Master Certificate.
• In the event of any dispute or ambiguity arising out of the Bahasa Malaysia translation in this leaflet, the English version shall prevail.