PERINTAH PERBADANAN INSURANS DEPOSIT MALAYSIA (HAD MANFAAT DILINDUNGI) 2020

[P.U. (A) 27/2011] dibatalkan.

P.U. (A) 326 3

JADUAL

[Perenggan 2]

Manfaat Takaful Dilindungi atau Manfaat

Insurans Dilindungi

(1)

Had

(2)

1. Kematian dan manfaat berkaitan yang berbangkit daripada kematian

2. Ketidakupayaan dan manfaat berkaitan yang berbangkit daripada ketidakupayaan

3. Penyakit dan manfaat berkaitan yang berbangkit daripada penyakit

4. Kematangan dan manfaat berkaitan yang berbangkit daripada kematangan

5. Serahan dan manfaat berkaitan yang berbangkit daripada serahan

6. Pendapatan

7. Penjagaan kesihatan

100% amaun yang kena dibayar

8. Kerugian kewangan

9. Nilai sijil takaful keluarga itu atau nilai polisi hayat itu

RM500,000 bagi satu atau lebih sijil takaful keluarga atau polisi hayat

P.U. (A) 326 4

Manfaat Takaful Dilindungi atau Manfaat

Insurans Dilindungi

(1)

Had

(2)

10. Sumbangan atau premium prabayar boleh dibayar balik

Bagi sijil takaful atau polisi insurans perubatan dan kesihatan – 100% amaun prabayar

Bagi sijil takaful atau polisi insurans yang dikehendaki di bawah Akta Pengangkutan Jalan 1987 [Akta 333] dan Akta

Pampasan Pekerja 1952

[Akta 273] – 100% amaun prabayar

Bagi sijil takaful atau polisi insurans yang lain – RM500,000

bagi setiap sijil takaful atau polisi insurans

11. Kehilangan atau kerosakan pada harta dan kerugian berbangkit

RM500,000 bagi setiap harta

12. Kehilangan atau kerosakan pada harta mana-mana pihak ketiga dan kerugian berbangkit

RM500,000 bagi setiap harta

13. Kematian mana-mana pihak ketiga dan manfaat berkaitan yang berbangkit daripada kematian

P.U. (A) 326 5

Manfaat Takaful Dilindungi atau Manfaat

Insurans Dilindungi

(1)

Had

(2)

14. Ketidakupayaan mana-mana pihak ketiga dan manfaat berkaitan yang berbangkit daripada ketidakupayaan

15. Penyakit mana-mana pihak ketiga dan manfaat berkaitan yang berbangkit daripada penyakit

16. Kecederaan mana-mana pihak ketiga dan manfaat berkaitan yang berbangkit daripada kecederaan

17. Penjagaan kesihatan mana-mana pihak ketiga

100% amaun kena dibayar

18. Kerugian kewangan mana-mana pihak ketiga

Bagi mengelakkan keraguan, apabila suatu sumbangan atau premium prabayar boleh dibayar balik kena dibayar sebagai sebahagian daripada atau bersama dengan mana-mana manfaat takaful dilindungi atau manfaat insurans dilindungi yang dinyatakan dalam perenggan 1, 2, 3, 4, 5, 6, 7, 8, 9 dan 11 ruang (1), sumbangan atau premium prabayar boleh dibayar balik itu dan manfaat takaful dilindungi atau manfaat insurans dilindungi berkenaan hendaklah disifatkan sebagai suatu manfaat dilindungi dan hendaklah dilindungi setakat had manfaat takaful dilindungi atau manfaat insurans dilindungi berkenaan itu yang dinyatakan bersetentangan dengannya dalam ruang (2).

P.U. (A) 326 6

Dibuat 12 November 2020

[PIDM/PN/7/2020; MOF.SID(S)700-1/2/23; PN(PU2)689/VI]

DATO’ SRI TENGKU ZAFRUL BIN TENGKU ABDUL AZIZ

Menteri Kewangan

P.U. (A) 326 7

MALAYSIA DEPOSIT INSURANCE CORPORATION ACT 2011

MALAYSIA DEPOSIT INSURANCE CORPORATION

(PROTECTED BENEFITS LIMIT) ORDER 2020

IN exercise of the powers conferred by subsection 69(4) and paragraph 80(5)(b) 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

(Protected Benefits Limit) Order 2020.

Limits of protected benefits under family takaful certificates, life policies, general takaful certificates or general policies 2.

The protected takaful benefits or protected insurance benefits that are specified in column (1) of the Schedule under family takaful certificates, life policies, general takaful certificates or general policies are protected by the Corporation up to the corresponding limits specified in column (2) of the Schedule.

Revocation 3.

The Malaysia Deposit Insurance Corporation (Protected Benefits Limit)

Order 2011 [P.U. (A) 27/2011] is revoked.

P.U. (A) 326 8

[Paragraph 2]

Protected Takaful Benefit or Protected

Insurance Benefit

(1)

Limit

(2)

1. Death and related benefits arising from death

2. Disability and related benefits arising from disability

3. Illness and related benefits arising from illness

4. Maturity and related benefits arising from maturity

5. Surrender and related benefits arising from surrender

6. Income

7. Healthcare

100% of amount payable

8. Pecuniary loss

9. Value of that family takaful certificate or value of that life policy

RM500,000 for one or more family takaful certificates or life policies

P.U. (A) 326 9

Protected Takaful Benefit or Protected

Insurance Benefit

(1)

Limit

(2)

10. Refundable prepaid contribution or premium

For medical and health takaful certificates or insurance policies

– 100% of amount prepaid

For takaful certificates or insurance policies which are required under the Road

Transport Act 1987 [Act 333] and

Workmen’s Compensation Act 1952 [Act 273] – 100% of amount prepaid

For other takaful certificates or insurance policies – RM500,000

per takaful certificate or insurance policy

11. Loss of or damage to property and consequential loss

RM500,000 for each property

12. Loss of or damage to property of any third party and consequential loss

RM500,000 for each property

13. Death of any third party and related benefits arising from death

14. Disability of any third party and related benefits arising from disability

P.U. (A) 326 10

Protected Takaful Benefit or Protected

Insurance Benefit

(1)

Limit

(2)

15. Illness of any third party and related benefits arising from illness

16. Injury of any third party and related benefits arising from injury

17. Healthcare of any third party

100% of amount payable

18. Pecuniary loss of any third party

For the avoidance of doubt, where a refundable prepaid contribution or premium is payable as part of or together with any of the protected takaful benefits or protected insurance benefits specified in paragraphs 1, 2, 3, 4, 5, 6, 7, 8, 9 and 11 of column (1), the refundable prepaid contribution or premium and the relevant protected takaful benefit or protected insurance benefit shall be deemed as one protected benefit and shall be protected up to the corresponding limit of that relevant protected takaful benefit or protected insurance benefit specified in column (2).

Made 12 November 2020

[PIDM/PN/7/2020; MOF.SID(S)700-1/2/23; PN(PU2)689/VI]

DATO’ SRI TENGKU ZAFRUL BIN TENGKU ABDUL AZIZ

Minister of Finance