/akn/my/act/pua/2020/327

PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020

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Type: P.U. (A)
Status: In force
Enacted: 2020
Sections: 5

Quick answer

About this p.u. (a)

PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 is Malaysia P.U. (A), cited as P.U. (A) 327 2020, currently marked in force and first recorded in 2020.

Opening note

Preamble

PADA menjalankan kuasa yang diberikan oleh subseksyen 69(2) dan 209(1) Akta Perbadanan Insurans Deposit Malaysia 2011 [Akta 720], Perbadanan, dengan kelulusan Menteri, membuat peraturan-peraturan yang berikut: Nama dan permulaan kuat kuasa

Seksyen 1

(1)

Peraturan-peraturan ini bolehlah dinamakan Peraturan-Peraturan

Perbadanan Insurans Deposit Malaysia (Manfaat Dilindungi) 2020.

(2)

Peraturan-Peraturan ini mula berkuat kuasa pada 1 Januari 2021.

Tafsiran

Seksyen 2

Dalam Peraturan-Peraturan ini, melainkan jika konteksnya menghendaki makna yang lain—

“polisi berkaitan pelaburan” mempunyai erti yang sama sebagaimana yang ditakrifkan di bawah Akta Perkhidmatan Kewangan 2013 [Akta 758];

“polisi Malaysia” mempunyai erti yang sama sebagaimana yang ditakrifkan di bawah Akta Perkhidmatan Kewangan 2013;

“sijil takaful berkaitan pelaburan” mempunyai erti yang sama sebagaimana yang ditakrifkan di bawah Akta Perkhidmatan Kewangan Islam 2013 [Akta 759]; dan

“sijil takaful Malaysia” mempunyai erti yang sama sebagaimana yang ditakrifkan di bawah Akta Perkhidmatan Kewangan Islam 2013.

P.U. (A) 327 3

Manfaat dilindungi di bawah sijil takaful keluarga, polisi hayat, sijil takaful am atau polisi am 3.

(1)

Tertakluk kepada Perintah Perbadanan Insurans Deposit Malaysia

(Had Manfaat Dilindungi) 2020 [P.U. (A) 326/2020], Perbadanan hendaklah melindungi jenis manfaat takaful atau manfaat insurans yang dinyatakan dalam Jadual di bawah sijil takaful keluarga, polisi hayat, sijil takaful am atau polisi am, termasuk sijil takaful berkaitan pelaburan, polisi berkaitan pelaburan, sijil anuiti dan polisi anuiti.

(2)

Seseorang pemunya sijil atau polisi boleh menuntut perlindungan berkenaan dengan mana-mana manfaat takaful atau manfaat insurans yang dinyatakan dalam Jadual jika—

(a)

sijil atau polisi itu dikeluarkan di Malaysia oleh anggota penanggung insurans;

(b)

sijil atau polisi itu dilaporkan oleh anggota penanggung insurans kepada Bank Negara Malaysia sebagai suatu sijil takaful Malaysia atau polisi Malaysia; dan

(c)

sijil atau polisi itu dalam denominasi ringgit.

(3)

Manfaat yang kena dibayar daripada bahagian unit suatu sijil takaful berkaitan pelaburan atau polisi berkaitan pelaburan seperti yang berikut tidak termasuk dalam sistem perlindungan manfaat takaful dan insurans:

(a)

kematangan dan manfaat berkaitan yang berbangkit daripada kematangan;

(b)

serahan dan manfaat berkaitan yang berbangkit daripada serahan;

dan

(c)

pendapatan.

P.U. (A) 327 4

Pembatalan

Seksyen 4

Peraturan-Peraturan

Perbadanan

Insurans

Deposit

Malaysia

(Manfaat Dilindungi) 2011 [P.U. (A) 31/2011] dibatalkan.

Jadual

JADUAL

[Peraturan 3]

Jenis Manfaat Takaful atau Manfaat Insurans

Kematian dan manfaat berkaitan yang berbangkit daripada kematian

Ketidakupayaan dan manfaat berkaitan yang berbangkit daripada ketidakupayaan

Penyakit dan manfaat berkaitan yang berbangkit daripada penyakit

Kematangan dan manfaat berkaitan yang berbangkit daripada kematangan

Serahan dan manfaat berkaitan yang berbangkit daripada serahan

Pendapatan

Penjagaan kesihatan

Kerugian kewangan

Nilai sijil takaful keluarga itu atau nilai polisi hayat itu

10. Sumbangan atau premium prabayar boleh dibayar balik

11. Kehilangan atau kerosakan pada harta dan kerugian berbangkit

P.U. (A) 327 5

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

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

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

18. Kerugian kewangan mana-mana pihak ketiga

Dibuat 10 November 2020

[PIDM/PN/10/2020; PN(PU2)689/VI]

TAN SRI DR. RAHAMAT BIVI BINTI YUSOFF

Pengerusi

Perbadanan Insurans Deposit Malaysia

Diluluskan 12 November 2020

[MOF.SID(S)700-1/2/22; PN(PU2)689/VI]

[Akan dibentangkan di

Dewan

Rakyat menurut subseksyen 209(4)

Akta Perbadanan Insurans Deposit Malaysia 2011]

DATO’ SRI TENGKU ZAFRUL BIN TENGKU ABDUL AZIZ

Menteri Kewangan

P.U. (A) 327 6

MALAYSIA DEPOSIT INSURANCE CORPORATION ACT 2011

MALAYSIA DEPOSIT INSURANCE CORPORATION (PROTECTED BENEFITS)

REGULATIONS 2020

IN exercise of the powers conferred by subsections 69(2) and 209(1) of the

Malaysia Deposit Insurance Corporation Act 2011 [Act 720], the Corporation, with the approval of the Minister, makes the following regulations:

Citation and commencement 1.

(1)

These regulations may be cited as the Malaysia Deposit Insurance

Corporation (Protected Benefits) Regulations 2020.

(2)

These Regulations come into operation on 1 January 2021.

Interpretation 2.

In these Regulations, unless the context otherwise requires—

“investment-linked policy” has the same meaning as defined under the Financial Services Act 2013 [Act 758];

“Malaysian policy” has the same meaning as defined under the Financial Services

Act 2013;

“investment-linked takaful certificate” has the same meaning as defined under the Islamic Financial Services Act 2013 [Act 759]; and

“Malaysian takaful certificate” has the same meaning as defined under the Islamic Financial Services Act 2013.

P.U. (A) 327 7

Protected benefits under family takaful certificates, life policies, general takaful certificates or general policies 3.

(1)

Subject to the Malaysia Deposit Insurance Corporation (Protected Benefits

Limit) Order 2020 [P.U. (A) 326/2020], the Corporation shall protect the types of takaful or insurance benefits that are specified in the Schedule under family takaful certificates, life policies, general takaful certificates or general policies, including investment-linked takaful certificates, investment-linked policies, annuity certificates and annuity policies.

(2)

A certificate or policy owner may claim protection in respect of any of the takaful or insurance benefits specified in the Schedule if—

(a)

the certificate or policy is issued in Malaysia by an insurer member;

(b)

the certificate or policy is reported by the insurer member to

Bank Negara Malaysia as a Malaysian takaful certificate or Malaysian policy; and

(c)

the certificate or policy is denominated in ringgit.

(3)

The benefits payable from the unit portion of an investment-linked takaful certificate or investment-linked policy as follows shall be excluded from the takaful and insurance benefits protection system:

(a)

maturity and related benefits arising from maturity;

(b)

surrender and related benefits arising from surrender; and

(c)

income.

Revocation 4.

The

Malaysia

Deposit

Insurance

Corporation

(Protected

Benefits)

Regulations 2011 [P.U. (A) 31/2011] is revoked.

P.U. (A) 327 8

Jadual

[Regulation 3]

Types of Takaful or Insurance Benefits

Death and related benefits arising from death

Disability and related benefits arising from disability

Illness and related benefits arising from illness

Maturity and related benefits arising from maturity

Surrender and related benefits arising from surrender

Income

Healthcare

Pecuniary loss

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

10. Refundable prepaid contribution or premium

11. Loss of or damage to property and consequential loss

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

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) 327 9

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

18. Pecuniary loss of any third party

Approved 12 November 2020

[MOF.SID(S)700-1/2/22; PN(PU2)689/VI]

[To be laid before the

Dewan

Rakyat pursuant to subsection 209(4)

of the Malaysian Deposit Insurance Corporation Act 2011]

Made 10 November 2020

[PIDM/PN/10/2020; PN(PU2)689/VI]

TAN SRI DR. RAHAMAT BIVI BINTI YUSOFF

Chairman

Malaysia Deposit Insurance Corporation

DATO’ SRI TENGKU ZAFRUL BIN TENGKU ABDUL AZIZ

Minister of Finance

Common questions

What is PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020?: PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 is Malaysia P.U. (A), cited as P.U. (A) 327 2020, currently marked in force and first recorded in 2020.
Is PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 still in force?: Yes — PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 is currently in force.
When did PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 take effect?: PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 was first recorded in 2020.
How many sections does PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 have?: PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 contains 3 sections.
Where can I read the official version of PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020?: The official text of PERATURAN-PERATURAN PERBADANAN INSURANS DEPOSIT MALAYSIA (MANFAAT DILINDUNGI) 2020 is published at lom.agc.gov.my.