PERINTAH PERBADANAN INSURANS DEPOSIT MALAYSIA (PREMIUM PERTAMA DAN PREMIUM TAHUNAN BERKENAAN DENGAN ANGGOTA PENANGGUNG INSURANS) 2016

“anggota penanggung insurans digabung” mempunyai erti yang sama sebagaimana dalam subperenggan 18(1)

Jadual kepada

Peraturan-Peraturan

Perbadanan Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan

Anggota Penanggung Insurans) 2012 [P.U. (A) 496/2012];

“dikelaskan” ertinya dikelaskan di bawah Peraturan-Peraturan Perbadanan

Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota

Penanggung Insurans) 2012;

“tahun taksiran kedua” ertinya tahun taksiran sebaik selepas tahun taksiran pertama;

“tahun taksiran pertama” ertinya tahun taksiran yang suatu syarikat insurans atau pengendali takaful menjadi suatu anggota penanggung insurans.

P.U. (A) 49 3

Tertakluk kepada subseksyen 71(1) Akta, kadar premium pertama bagi suatu anggota penanggung insurans yang menjalankan perniagaan takaful perpaduan keluarga ialah kadar premium yang ditentukan dalam Jadual Pertama bagi kategori premium 1, dikira berdasarkan penilaian aktuari liabiliti takaful perpaduan keluarga berkenaan dengan manfaat dilindungi yang berkaitan pada hari terakhir bulan yang ia menjadi anggota penanggung insurans, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

Tertakluk kepada subseksyen 71(1) Akta, kadar premium pertama bagi suatu anggota penanggung insurans yang menjalankan perniagaan takaful am ialah kadar premium yang ditentukan dalam Jadual Kedua bagi kategori premium 1, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans itu berkenaan dengan manfaat dilindungi yang berkaitan dalam bulan yang ia menjadi anggota penanggung insurans, dikira mengikut apa-apa cara yang ditentukan oleh

Perbadanan.

Tertakluk kepada subseksyen 71(1) Akta, kadar premium pertama bagi suatu anggota penanggung insurans yang menjalankan perniagaan insurans hayat ialah kadar premium yang ditentukan dalam Jadual Pertama bagi kategori premium 1, dikira berdasarkan penilaian aktuari liabiliti insurans hayat berkenaan dengan manfaat dilindungi yang berkaitan pada hari terakhir bulan yang ia menjadi anggota penanggung insurans, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

Tertakluk kepada subseksyen 71(1) Akta, kadar premium pertama bagi suatu anggota penanggung insurans yang menjalankan perniagaan insurans am ialah kadar premium yang ditentukan dalam Jadual Ketiga bagi kategori premium 1, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans itu berkenaan dengan manfaat dilindungi yang berkaitan dalam bulan yang ia menjadi

P.U. (A) 49 4

anggota penanggung insurans, dikira mengikut apa-apa cara yang ditentukan oleh

Perbadanan.

Jadual Pertama bagi kategori premium yang anggota penanggung insurans itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan penilaian aktuari liabiliti takaful perpaduan keluarga berkenaan dengan manfaat dilindungi yang berkaitan pada 31 Disember tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

(2)

Walau apa pun subsubperenggan (1)(a), bagi suatu anggota penanggung insurans digabung yang menjalankan perniagaan takaful perpaduan keluarga, kadar premium tahunan bagi tahun taksiran keduanya ialah kadar yang ditentukan dalam

Jadual Pertama bagi kategori premium yang anggota penanggung insurans digabung itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan penilaian aktuari liabiliti takaful perpaduan keluarga berkenaan dengan manfaat dilindungi yang berkaitan pada 31 Disember tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

P.U. (A) 49 5

Kadar premium tahunan bagi perniagaan takaful am 8.

(1)

Tertakluk kepada perenggan 11, bagi suatu anggota penanggung insurans yang menjalankan perniagaan takaful am—

(a)

kadar premium tahunan bagi tahun taksiran keduanya ialah kadar premium yang ditentukan dalam Jadual Kedua bagi kategori premium 1, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans itu berkenaan dengan manfaat dilindungi yang berkaitan dalam tahun taksiran pertamanya, dikira mengikut apa-apa cara yang ditentukan oleh

Perbadanan; dan

(b)

kadar premium tahunan bagi tahun-tahun taksiran selepas tahun taksiran keduanya ialah kadar premium yang ditentukan dalam

Jadual Kedua bagi kategori premium yang anggota penanggung insurans itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans itu berkenaan dengan manfaat dilindungi yang berkaitan dalam tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

(2)

Walau apa pun subsubperenggan (1)(a), bagi suatu anggota penanggung insurans digabung yang menjalankan perniagaan takaful am, kadar premium tahunan bagi tahun taksiran keduanya ialah kadar yang ditentukan dalam Jadual Kedua bagi kategori premium yang anggota penanggung insurans digabung itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans digabung itu berkenaan dengan manfaat dilindungi yang berkaitan dalam tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

Kadar premium tahunan bagi perniagaan insurans hayat 9.

(1)

Tertakluk kepada perenggan 12, bagi suatu anggota penanggung insurans yang menjalankan perniagaan insurans hayat—

P.U. (A) 49 6

(a)

kadar premium tahunan bagi tahun taksiran keduanya ialah kadar premium yang ditentukan dalam Jadual Pertama bagi kategori premium 1, dikira berdasarkan penilaian aktuari liabiliti insurans hayat berkenaan dengan manfaat dilindungi yang berkaitan pada 31 Disember tahun taksiran pertamanya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan; dan

(b)

kadar premium tahunan bagi tahun-tahun taksiran selepas tahun taksiran keduanya ialah kadar premium yang ditentukan dalam

Jadual Pertama bagi kategori premium yang anggota penanggung insurans itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan penilaian aktuari liabiliti insurans hayat berkenaan dengan manfaat dilindungi yang berkaitan pada 31

Disember tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

(2)

Walau apa pun subsubperenggan (1)(a), bagi suatu anggota penanggung insurans digabung yang menjalankan perniagaan insurans hayat, kadar premium tahunan bagi tahun taksiran keduanya ialah kadar yang ditentukan dalam Jadual

Pertama bagi kategori premium yang anggota penanggung insurans digabung itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan penilaian aktuari liabiliti insurans hayat berkenaan dengan manfaat dilindungi yang berkaitan pada 31 Disember tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh

Perbadanan.

Kadar premium tahunan bagi perniagaan insurans am 10.

(1)

Tertakluk kepada perenggan 12, bagi suatu anggota penanggung insurans yang menjalankan perniagaan insurans am—

(a)

kadar premium tahunan bagi tahun taksiran keduanya ialah kadar premium yang ditentukan dalam Jadual Ketiga bagi kategori premium 1, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans itu berkenaan dengan

P.U. (A) 49 7

manfaat dilindungi yang berkaitan dalam tahun taksiran pertamanya, dikira mengikut apa-apa cara yang ditentukan oleh

Perbadanan; dan

(b)

kadar premium tahunan bagi tahun-tahun taksiran selepas tahun taksiran keduanya ialah kadar premium yang ditentukan dalam

Jadual Ketiga bagi kategori premium yang anggota penanggung insurans itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans itu berkenaan dengan manfaat dilindungi yang berkaitan dalam tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

(2)

Walau apa pun subsubperenggan (1)(a), bagi suatu anggota penanggung insurans digabung yang menjalankan perniagaan insurans am, kadar premium tahunan bagi tahun taksiran keduanya ialah kadar yang ditentukan dalam Jadual Ketiga bagi kategori premium yang anggota penanggung insurans digabung itu dikelaskan bagi tahun taksiran itu, dikira berdasarkan jumlah premium bersih yang diterima oleh anggota penanggung insurans digabung itu berkenaan dengan manfaat dilindungi yang berkaitan dalam tahun taksiran yang sebelumnya, dikira mengikut apa-apa cara yang ditentukan oleh Perbadanan.

Amaun minimum premium tahunan bagi perniagaan takaful 11.

Premium tahunan yang kena dibayar bagi suatu tahun taksiran oleh suatu anggota penanggung insurans yang menjalankan perniagaan takaful perpaduan keluarga sahaja atau takaful am sahaja atau suatu penanggung insurans yang menjalankan kedua-dua perniagaan takaful perpaduan keluarga dan takaful am hendaklah tidak boleh lebih rendah daripada amaun minimum premium tahunan yang ditentukan dalam Jadual Keempat bagi kategori premium yang anggota penanggung insurans itu dikelaskan bagi tahun taksiran itu.

P.U. (A) 49 8

Amaun minimum premium tahunan bagi perniagaan insurans 12.

(1)

Premium tahunan yang kena dibayar bagi suatu tahun taksiran oleh suatu anggota penanggung insurans yang menjalankan perniagaan insurans hayat sahaja atau suatu anggota penanggung insurans yang menjalankan kedua-dua perniagaan insurans hayat dan insurans am tidak boleh lebih rendah daripada amaun minimum premium tahunan yang ditentukan dalam Jadual Keempat bagi kategori premium yang anggota penanggung insurans itu dikelaskan bagi tahun taksiran itu.

(2)

Premium tahunan yang kena dibayar bagi suatu tahun taksiran oleh suatu anggota penanggung insurans yang menjalankan perniagaan insurans am sahaja tidak boleh lebih rendah daripada amaun minimum premium tahunan yang ditentukan dalam

Jadual Kelima bagi kategori premium yang anggota penanggung insurans itu dikelaskan bagi tahun taksiran itu.

Tarikh pembayaran premium tahunan bagi anggota penanggung insurans 13.

Anggota penanggung insurans hendaklah membayar premium tahunan kepada

Perbadanan pada tarikh yang ditetapkan dalam Perintah Perbadanan Insurans Deposit

Malaysia (Pembayaran Premium Tahunan berkenaan dengan Anggota Penanggung

Insurans) 2012 [P.U. (A) 136/2012].

Pembatalan 14.

Perintah Perbadanan Insurans Deposit Malaysia (Premium Pertama dan

Premium Tahunan berkenaan dengan Anggota Penanggung Insurans)

2012

[P.U. (A) 497/2012] dibatalkan.

P.U. (A) 49 9

JADUAL PERTAMA

[Perenggan 3, 5, 7 dan 9]

Kategori premium

(1)

Kadar premium

(2)

1 0.025%

2 0.05%

3 0.1%

4 0.2%

JADUAL KEDUA

[Perenggan 4 dan 8]

Kategori premium

(1)

Kadar premium

(2)

1 0.1%

2 0.2%

3 0.4%

4 0.8%

JADUAL KETIGA

[Perenggan 6 dan 10]

Kategori premium

(1)

Kadar premium

(2)

1 0.025%

2 0.05%

3 0.1%

4 0.2%

P.U. (A) 49 10

JADUAL KEEMPAT

[Perenggan 11 dan subperenggan 12(1)]

Kategori premium

(1)

Amaun minimum premium tahunan

(2)

1

RM75,000 2

RM150,000 3

RM300,000 4

RM600,000

JADUAL KELIMA

[Subperenggan 12(2)]

Kategori premium

(1)

Amaun minimum premium tahunan

(2)

1

RM25,000 2 3 4

Dibuat 1 Mac 2016

[KK/BPKA/K2/(S)/382/342/3-1; PN(PU2)689/IV]

DATO’ SERI AHMAD HUSNI BIN MOHAMAD HANADZLAH

Menteri Kewangan Kedua

P.U. (A) 49 11

MALAYSIA DEPOSIT INSURANCE CORPORATION ACT 2011

MALAYSIA DEPOSIT INSURANCE CORPORATION (FIRST PREMIUM AND ANNUAL

PREMIUM IN RESPECT OF INSURER MEMBERS) ORDER 2016

IN exercise of the powers conferred by paragraph 71(1)(b), and subsections 72(2)

and (3) of the Malaysia Deposit Insurance Corporation Act 2011 [Act 720], the Minister, on the recommendation of the Corporation, makes the following order:

Citation and commencement 1.

(1)

This order may be cited as the Malaysia Deposit Insurance Corporation

(First Premium and Annual Premium in respect of Insurer Members) Order 2016.

(2)

This Order shall have effect from the assessment year of 2016.

Interpretation 2.

In this Order—

“amalgamated insurer member” has the same meaning as in subparagraph 18(1)

of the Schedule to the Malaysia Deposit Insurance Corporation (Differential Premium

Systems in respect of Insurer Members) Regulations 2012 [P.U. (A) 496/2012];

“classified” means classified under the Malaysia Deposit Insurance Corporation

(Differential Premium Systems in respect of Insurer Members) Regulations 2012;

“second assessment year” means the assessment year immediately after the first assessment year;

“first assessment year” means the assessment year in which an insurance company or a takaful operator becomes an insurer member.

Rate of first premium for business of family solidarity takaful 3.

Subject to subsection 71(1) of the Act, the rate of the first premium for an insurer member carrying on the business of family solidarity takaful shall be the premium rate

P.U. (A) 49 12

specified in the First Schedule for premium category 1, calculated on the basis of the actuarial valuation of family solidarity takaful liabilities in respect of the relevant protected benefits as at the last day of the month it becomes an insurer member, calculated in such manner as the Corporation may specify.

Rate of first premium for business of general takaful 4.

Subject to subsection 71(1) of the Act, the rate of the first premium for an insurer member carrying on the business of general takaful shall be the premium rate specified in the Second Schedule for premium category 1, calculated on the total net premiums received by the insurer member in respect of the relevant protected benefits in the month it becomes an insurer member, calculated in such manner as the Corporation may specify.

Rate of first premium for business of life insurance 5.

Subject to subsection 71(1) of the Act, the rate of the first premium for an insurer member carrying on the business of life insurance shall be the premium rate specified in the First Schedule for premium category 1, calculated on the basis of the actuarial valuation of life insurance liabilities in respect of the relevant protected benefits as at the last day of the month it becomes an insurer member, calculated in such manner as the Corporation may specify.

Rate of first premium for business of general insurance 6.

Subject to subsection 71(1) of the Act, the rate of the first premium for an insurer member carrying on the business of general insurance shall be the premium rate specified in the Third Schedule for premium category 1, calculated on the total net premiums received by the insurer member in respect of the relevant protected benefits in the month it becomes an insurer member, calculated in such manner as the

Corporation may specify.

Rate of annual premium for business of family solidarity takaful 7.

(1)

Subject to paragraph 11, for an insurer member carrying on the business of family solidarity takaful—

P.U. (A) 49 13

(a)

the rate of annual premium for its second assessment year shall be the premium rate specified in the First Schedule for premium category 1, calculated on the basis of the actuarial valuation of family solidarity takaful liabilities in respect of the relevant protected benefits as at 31 December of the first assessment year, calculated in such manner as the Corporation may specify; and

(b)

the rate of annual premium for the assessment years after its second assessment year shall be the premium rate specified in the

First Schedule for the premium category in which the insurer member is classified for that assessment year, calculated on the basis of the actuarial valuation of family solidarity takaful liabilities in respect of the relevant protected benefits as at 31

December of the preceding assessment year, calculated in such manner as the Corporation may specify.

(2)

Notwithstanding subsubparagraph (1)(a), for an amalgamated insurer member carrying on the business of family solidarity takaful, the rate of annual premium for its second assessment year shall be the premium rate specified in the First

Schedule for the premium category in which the amalgamated insurer member is classified for that assessment year, calculated on the basis of the actuarial valuation of family solidarity takaful liabilities in respect of the relevant protected benefits as at 31 December of the preceding assessment year, calculated in such manner as the

Corporation may specify.

Rate of annual premium for business of general takaful 8.

(1)

Subject to paragraph 11, for an insurer member carrying on the business of general takaful—

(a)

the rate of annual premium for its second assessment year shall be the premium rate specified in the Second Schedule for premium category 1, calculated on the total net premiums received by the insurer member in respect of the relevant protected benefits

P.U. (A) 49 14

during its first assessment year, calculated in such manner as the

Corporation may specify; and

(b)

the rate of annual premium for the assessment years after its second assessment year shall be the premium rate specified in the

Second Schedule for the premium category in which the insurer member is classified for that assessment year, calculated on the total net premiums received by the insurer member in respect of the relevant protected benefits during the preceding assessment year, calculated in such manner as the Corporation may specify.

(2)

Notwithstanding subsubparagraph (1)(a), for an amalgamated insurer member carrying on the business of general takaful, the rate of annual premium for its second assessment year shall be the premium rate specified in the Second Schedule for the premium category in which the amalgamated insurer member is classified for that assessment year, calculated on the total net premiums received by the amalgamated insurer member in respect of the relevant protected benefits during the preceding assessment year, calculated in such manner as the Corporation may specify.

Rate of annual premium for business of life insurance 9.

(1)

Subject to paragraph 12, for an insurer member carrying on the business of life insurance—

(a)

the rate of annual premium for its second assessment year shall be the premium rate specified in the First Schedule for premium category 1, calculated on the basis of the actuarial valuation of life insurance liabilities in respect of the relevant protected benefits as at 31 December of the first assessment year, calculated in such manner as the Corporation may specify; and

(b)

the rate of annual premium for the assessment years after its second assessment year shall be the premium rate specified in the

First Schedule for the premium category in which the insurer

P.U. (A) 49 15

member is classified for that assessment year, calculated on the basis of the actuarial valuation of life insurance liabilities in respect of the relevant protected benefits as at 31 December of the preceding assessment year, calculated in such manner as the

Corporation may specify.

(2)

Notwithstanding subsubparagraph (1)(a), for an amalgamated insurer member carrying on the business of life insurance, the rate of annual premium for its second assessment year shall be the premium rate specified in the First Schedule for the premium category in which the amalgamated insurer member is classified for that assessment year, calculated on the basis of the actuarial valuation of life insurance liabilities in respect of the relevant protected benefits as at 31 December of the preceding assessment year, calculated in such manner as the Corporation may specify.

Rate of annual premium for business of general insurance 10.

(1)

Subject to paragraph 12, for an insurer member carrying on the business of general insurance—

(a)

the rate of annual premium for its second assessment year shall be the premium rate specified in the Third Schedule for premium category 1, calculated on the total net premiums received by the insurer member in respect of the relevant protected benefits during its first assessment year, calculated in such manner as the

Corporation may specify; and

(b)

the rate of annual premium for the assessment years after its second assessment year shall be the premium rate specified in the

Third Schedule for the premium category in which the insurer member is classified for that assessment year, calculated on the total net premiums received by the insurer member in respect of the relevant protected benefits during the preceding assessment year, calculated in such manner as the Corporation may specify.

P.U. (A) 49 16

(2)

Notwithstanding subsubparagraph (1)(a), for an amalgamated insurer member carrying on the business of general takaful, the rate of annual premium for its second assessment year shall be the premium rate specified in the Third Schedule for the premium category in which the amalgamated insurer member is classified for that assessment year, calculated on the total net premiums received by the amalgamated insurer member in respect of the relevant protected benefits during the preceding assessment year, calculated in such manner as the Corporation may specify.

Minimum amount of annual premium for takaful business 11.

The annual premium payable for an assessment year by an insurer member carrying on the business of family solidarity takaful only or general takaful only or an insurer member carrying on both the businesses of family solidarity takaful and general takaful shall not be lower than the annual premium minimum amount as specified in the Fourth Schedule for the premium category in which the insurer member is classified for that assessment year.

Minimum amount of annual premium for insurance business 12.

(1)

The annual premium payable for an assessment year by an insurer member carrying on the business of life insurance only or an insurer member carrying on both the businesses of life insurance and general insurance shall not be lower than the annual premium minimum amount as specified in the Fourth Schedule for the premium category in which the insurer member is classified for that assessment year.

(2)

The annual premium payable for an assessment year by an insurer member carrying on the business of general insurance only shall not be lower than the annual premium minimum amount as specified in the Fifth Schedule for the premium category in which the insurer member is classified for that assessment year.

Date of payment of annual premium for insurer member 13.

Insurer members shall pay the annual premium to the Corporation on such date as prescribed in the Malaysia Deposit Insurance Corporation (Payment of Annual

Premium in respect of Insurer Members) Order 2012 [P.U. (A) 136/2012].

P.U. (A) 49 17

Revocation 14.

The Malaysia Deposit Insurance Corporation (First Premium and Annual

Premium in respect of Insurer Members) Order 2012 [P.U. (A) 497/2012] is revoked.

FIRST SCHEDULE

[Paragraphs 3, 5, 7 and 9]

Premium category

(1)

Premium rate

(2)

1 0.025%

2 0.05%

3 0.1%

4 0.2%

SECOND SCHEDULE

[Paragraphs 4 and 8]

Premium category

(1)

Premium rate

(2)

1 0.1%

2 0.2%

3 0.4%

4 0.8%

THIRD SCHEDULE

[Paragraphs 6 and 10]

Premium category

(1)

Premium rate

(2)

1 0.025%

2 0.05%

3 0.1%

4 0.2%

P.U. (A) 49 18

FOURTH SCHEDULE

[Paragraph 11 and subparagraph 12(1)]

Premium category

(1)

Minimum annual premium amount

(2)

1

RM75,000 2

RM150,000 3

RM300,000 4

RM600,000

FIFTH SCHEDULE

[Subparagraph 12(2)]

Premium category

(1)

Minimum annual premium amount

(2)

1

RM25,000 2 3 4

Made 1 March 2016

[KK/BPKA/K2/(S)/382/342/3-1; PN(PU2)689/IV]

DATO’ SERI AHMAD HUSNI BIN MOHAMAD HANADZLAH

Second Minister of Finance