Perintah Perbadanan Insurans Deposit Malaysia (Premium Pertama dan Premium Tahunan Berkenaan Dengan Anggota Penanggung Insurans) 2012

Tertakluk kepada subseksyen 71(1) Akta, kadar premium pertama yang kena dibayar oleh suatu pengendali takaful yang menjalankan perniagaan takaful perpaduan keluarga bagi tahun taksiran yang ia menjadi suatu institusi anggota hendaklah 0.06%

atas penilaian aktuari liabiliti takaful perpaduan keluarga berkenaan dengan manfaat dilindungi yang berkaitan setakat pada 31 Disember tahun taksiran yang sebelumnya.

Tertakluk kepada subseksyen 71(1) Akta, kadar premium pertama yang kena dibayar oleh suatu pengendali takaful yang menjalankan perniagaan takaful am bagi tahun taksiran yang ia menjadi suatu institusi anggota hendaklah 0.25% atas jumlah premium bersih yang diterima oleh pengendali takaful itu berkenaan dengan manfaat dilindungi yang berkaitan semasa tahun taksiran yang sebelumnya.

Tertakluk kepada subseksyen 71(1) Akta, suatu syarikat insurans baru sebagaimana yang ditakrifkan dalam peraturan 3 Peraturan-Peraturan Perbadanan

Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota

3

Penanggung Insurans) 2012 [P.U. (A)496/2012], yang menjalankan perniagaan insurans hayat, hendaklah dikelaskan dalam kategori premium 1 bagi tahun taksiran pertamanya menurut Peraturan-Peraturan Perbadanan Insurans Deposit Malaysia (Sistem Premium

Berbeza berkenaan dengan Anggota Penanggung Insurans) 2012, dan kadar premium pertama yang kena dibayar oleh syarikat insurans itu bagi tahun taksiran itu hendaklah bersamaan dengan kadar premium yang dinyatakan dalam Jadual Pertama, dikira berdasarkan penilaian aktuari liabiliti insurans hayat berkenaan dengan manfaat dilindungi yang berkaitan setakat pada 31 Disember tahun taksiran yang sebelumnya.

Tertakluk kepada subseksyen 71(1) Akta, suatu syarikat insurans baru sebagaimana yang ditakrifkan dalam peraturan 3 Peraturan-Peraturan Perbadanan

Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota

Penanggung Insurans) 2012, yang menjalankan perniagaan insurans am, hendaklah dikelaskan dalam kategori premium 1 bagi tahun taksiran pertamanya menurut

Peraturan-Peraturan Perbadanan Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota Penanggung Insurans) 2012, dan kadar premium pertama yang kena dibayar oleh syarikat insurans itu bagi tahun taksiran itu hendaklah bersamaan dengan kadar premium yang dinyatakan dalam Jadual Kedua, dikira berdasarkan jumlah premium bersih yang diterima oleh syarikat insurans itu berkenaan dengan manfaat dilindungi yang berkaitan semasa tahun taksiran yang sebelumnya.

Tertakluk kepada perenggan 10, premium tahunan yang kena dibayar oleh suatu pengendali takaful yang menjalankan perniagaan takaful perpaduan keluarga bagi setiap tahun taksiran berikutan dengan tahun taksiran yang ia menjadi suatu institusi anggota hendaklah 0.06% atas penilaian aktuari liabiliti takaful perpaduan keluarga berkenaan dengan manfaat dilindungi yang berkaitan setakat pada 31 Disember tahun taksiran yang sebelumnya.

4

Tertakluk kepada perenggan 10, premium tahunan yang kena dibayar oleh suatu pengendali takaful yang menjalankan perniagaan takaful am bagi setiap tahun taksiran berikutan dengan tahun taksiran yang ia menjadi suatu institusi anggota hendaklah 0.25% atas jumlah premium bersih yang diterima oleh pengendali takaful itu berkenaan dengan manfaat dilindungi yang berkaitan semasa tahun taksiran yang sebelumnya.

Jadual Pertama, dikira berdasarkan penilaian aktuari liabiliti insurans hayat berkenaan dengan manfaat dilindungi yang berkaitan setakat pada 31 Disember tahun taksiran yang sebelumnya.

(2)

Tertakluk kepada perenggan 11, suatu syarikat insurans baru sebagaimana yang ditakrifkan dalam peraturan 3 Peraturan-Peraturan Perbadanan

Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota

Penanggung Insurans) 2012, yang menjalankan perniagaan insurans hayat, hendaklah dikelaskan dalam kategori premium 1 bagi tahun taksiran keduanya menurut

Peraturan-Peraturan Perbadanan Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota Penanggung Insurans) 2012, dan kadar premium tahunan yang kena dibayar oleh syarikat insurans itu bagi tahun taksiran kedua itu hendaklah bersamaan dengan kadar premium yang dinyatakan dalam Jadual Pertama, dikira berdasarkan penilaian aktuari liabiliti insurans hayat berkenaan dengan manfaat dilindungi yang berkaitan setakat pada 31 Disember tahun taksiran yang sebelumnya.

5

Kadar premium tahunan bagi perniagaan insurans am 9.

(1)

Tertakluk kepada perenggan 11 dan apabila kategori premium yang dalamnya suatu syarikat insurans yang menjalankan perniagaan insurans am dikelaskan bagi suatu tahun taksiran menurut Peraturan-Peraturan Perbadanan

Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota

Penanggung Insurans) 2012, sebagaimana yang dinyatakan dalam Jadual Kedua, kadar premium tahunan yang kena dibayar oleh syarikat insurans itu bagi tahun taksiran itu adalah kadar premium yang dinyatakan bersamaan dengannya dalam Jadual Kedua, dikira berdasarkan jumlah premium bersih yang diterima oleh syarikat insurans itu berkenaan dengan manfaat dilindungi yang berkaitan semasa tahun taksiran yang sebelumnya.

(2)

Tertakluk kepada perenggan 11, suatu syarikat insurans baru sebagaimana yang ditakrifkan dalam peraturan 3 Peraturan-Peraturan Perbadanan

Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota

Penanggung Insurans) 2012, yang menjalankan perniagaan insurans am, hendaklah dikelaskan dalam kategori premium 1 bagi tahun taksiran keduanya menurut

Peraturan-Peraturan Perbadanan Insurans Deposit Malaysia (Sistem Premium Berbeza berkenaan dengan Anggota Penanggung Insurans) 2012, dan kadar premium tahunan yang kena dibayar oleh syarikat insurans itu bagi tahun taksiran kedua itu hendaklah bersamaan dengan kadar premium yang dinyatakan dalam Jadual Kedua, dikira berdasarkan jumlah premium bersih yang diterima oleh syarikat insurans itu berkenaan dengan manfaat dilindungi yang berkaitan semasa tahun taksiran yang sebelumnya.

Amaun minimum premium tahunan bagi pengendali takaful 10.

Premium tahunan yang kena dibayar oleh suatu pengendali takaful yang menjalankan perniagaan takaful perpaduan keluarga atau takaful am bagi setiap tahun taksiran yang berikutan dengan tahun taksiran yang ia menjadi suatu institusi anggota hendaklah tidak kurang daripada amaun minimum RM150,000.

6

Amaun minimum premium tahunan bagi syarikat insurans 11.

Premium tahunan yang kena dibayar bagi suatu tahun taksiran oleh suatu syarikat insurans yang menjalankan perniagaan insurans hayat atau insurans am yang dikelaskan bagi tahun taksiran itu dalam kategori premium yang dinyatakan dalam

Jadual Ketiga hendaklah tidak kurang daripada amaun minimum yang dinyatakan bersamaan dengannya dalam Jadual Ketiga.

Tarikh pembayaran premium tahunan bagi anggota penanggung insurans 12.

Anggota penanggung insurans hendaklah membayar premium tahunan kepada

Perbadanan pada tarikh yang dinyatakan dalam Perintah Perbadanan Insurans Deposit

Malaysia (Pembayaran Premium Tahunan berkenaan dengan Anggota Penanggung

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

Pembatalan 13.

Perintah Perbadanan Insurans Deposit Malaysia (Premium Pertama dan

Premium Tahunan berkenaan dengan Anggota Penanggung Insurans) 2011

[P.U. (A) 29/2011] dibatalkan.

7

JADUAL PERTAMA

[Perenggan 4 dan 8]

Kategori premium

(1)

Kadar premium

(2)

1 0.025%

2 0.05%

3 0.1%

4 0.2%

JADUAL KEDUA

[Perenggan 5 dan 9]

Kategori premium

(1)

Kadar premium

(2)

1 0.05%

2 0.1%

3 0.2%

4 0.4%

JADUAL KETIGA

[Perenggan 11]

Kategori premium

(1)

Amaun minimum premium tahunan

(2)

1

RM 75,000 2

RM150,000 3

RM300,000 4

RM600,000

8

Dibuat 28 Disember 2012

[KK/BPKA/K2/(S)/382/342/3-1/2012; PN(PU2)689/II]

DATO’ SERI AHMAD HUSNI BIN MOHAMAD HANADZLAH

Menteri Kewangan Kedua

[Akan dibentangkan di hadapan Dewan Rakyat menurut subseksyen 209(4)

Akta Perbadanan Insurans Deposit Malaysia 2011]

9

MALAYSIA DEPOSIT INSURANCE CORPORATION ACT 2011

MALAYSIA DEPOSIT INSURANCE CORPORATION (FIRST PREMIUM AND ANNUAL

PREMIUM IN RESPECT OF INSURER MEMBERS) ORDER 2012

IN exercise of the powers conferred by subsections 71(1) and 72(2) 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 2012.

(2)

This Order shall have effect from the assessment year of 2013.

Rate of first premium for family solidarity takaful business 2.

Subject to subsection 71(1) of the Act, the rate of the first premium payable by a takaful operator that carries on the business of family solidarity takaful for the assessment year in which it becomes a member institution shall be 0.06% 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.

Rate of first premium for general takaful business 3.

Subject to subsection 71(1) of the Act, the rate of the first premium payable by a takaful operator that carries on the business of general takaful for the assessment year in which it becomes a member institution shall be 0.25% of the total net premiums received by such takaful operator in respect of the relevant protected benefits during the preceding assessment year.

Rate of first premium for life insurance business 4.

Subject to subsection 71(1) of the Act, a new insurance company as defined in regulation 3 of the Malaysia Deposit Insurance Corporation (Differential Premium

Systems in respect of Insurer Members) Regulations 2012 [P.U. (A)496/2012], carrying on the business of life insurance, shall be classified in premium category 1 for its first

10

assessment year pursuant to the Malaysia Deposit Insurance Corporation (Differential

Premium Systems in respect of Insurer Members) Regulations 2012, and the rate of the first premium payable by such insurance company for that assessment year shall be the corresponding premium rate specified in the First Schedule, calculated based on the actuarial valuation of life insurance liabilities in respect of the relevant protected benefits as at 31 December of the preceding assessment year.

Rate of first premium for general insurance business 5.

Subject to subsection 71(1) of the Act, a new insurance company as defined in regulation 3 of the Malaysia Deposit Insurance Corporation (Differential Premium

Systems in respect of Insurer Members) Regulations 2012, carrying on the business of general insurance, shall be classified in premium category 1 for its first assessment year pursuant to the Malaysia Deposit Insurance Corporation (Differential Premium Systems in respect of Insurer Members) Regulations 2012, and the rate of the first premium payable by such insurance company for that assessment year shall be the corresponding premium rate specified in the Second Schedule, calculated based on the total net premiums received by such insurance company in respect of the relevant protected benefits during the preceding assessment year.

Rate of annual premium for family solidarity takaful business 6.

Subject to paragraph 10, the annual premium payable by a takaful operator that carries on the business of family solidarity takaful for each assessment year following the assessment year in which it becomes a member institution shall be 0.06% 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.

Rate of annual premium for general takaful business 7.

Subject to paragraph 10, the annual premium payable by a takaful operator that carries on the business of general takaful for each assessment year following the assessment year in which it becomes a member institution shall be 0.25% of the total net premiums received by such takaful operator in respect of the relevant protected benefits during the preceding assessment year.

11

Rate of annual premium for life insurance business 8.

(1)

Subject to paragraph 11 and where the premium category in which an insurance company carrying on the business of life insurance is classified for an assessment year pursuant to the Malaysia Deposit Insurance Corporation (Differential

Premium Systems in respect of Insurer Members) Regulations 2012, is as specified in the First Schedule, the rate of the annual premium payable by such insurance company for that assessment year shall be the corresponding premium rate specified in the First

Schedule, calculated based on the actuarial valuation of life insurance liabilities in respect of the relevant protected benefits as at 31 December of the preceding assessment year.

(2)

Subject to paragraph 11, a new insurance company as defined in regulation 3 of the Malaysia Deposit Insurance Corporation (Differential Premium

Systems in respect of Insurer Members) Regulations 2012, carrying on the business of life insurance, shall be classified in premium category 1 for its second assessment year pursuant to the Malaysia Deposit Insurance Corporation (Differential Premium Systems in respect of Insurer Members) Regulations 2012, and the rate of the annual premium payable by such insurance company for that second assessment year shall be the corresponding premium rate specified in the First Schedule, calculated based on the actuarial valuation of life insurance liabilities in respect of the relevant protected benefits as at 31 December of the preceding assessment year.

Rate of annual premium for general insurance business 9.

(1)

Subject to paragraph 11 and where the premium category in which an insurance company carrying on the business of general insurance is classified for an assessment year pursuant to the Malaysia Deposit Insurance Corporation (Differential

Premium Systems in respect of Insurer Members) Regulations 2012, is as specified in the Second Schedule, the rate of the annual premium payable by such insurance company for that assessment year shall be the corresponding premium rate specified in the Second Schedule, calculated based on the total net premiums received by such insurance company in respect of the relevant protected benefits during the preceding assessment year.

12

(2)

Subject to paragraph 11, a new insurance company as defined in regulation 3 of the Malaysia Deposit Insurance Corporation (Differential Premium

Systems in respect of Insurer Members) Regulations 2012, carrying on the business of general insurance, shall be classified in premium category 1 for its second assessment year pursuant to the Malaysia Deposit Insurance Corporation (Differential Premium

Systems in respect of Insurer Members) Regulations 2012, and the rate of the annual premium payable by such insurance company for that second assessment year shall be the corresponding premium rate specified in the Second Schedule, calculated based on the total net premiums received by such insurance company in respect of the relevant protected benefits during the preceding assessment year.

Minimum amount of annual premium for takaful operators 10.

The annual premium payable by a takaful operator carrying on the business of family solidarity takaful or general takaful for each assessment year following the assessment year in which it becomes a member institution shall not be lower than the minimum amount of RM150,000.

Minimum amount of annual premium for insurance companies 11.

The annual premium payable for an assessment year by an insurance company carrying on the business of life insurance or general insurance classified for that assessment year in the premium category as specified in the Third Schedule shall not be lower than the corresponding minimum amount specified in the Third Schedule.

Date of payment of annual premium for insurer members 12.

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

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

Revocation 13.

The Malaysia Deposit Insurance Corporation (First Premium and Annual

Premium in respect of Insurer Members) Order 2011 [P.U. (A) 29/2011] is revoked.

13

FIRST SCHEDULE

[Paragraphs 4 and 8]

Premium category

(1)

Premium rate

(2)

1 0.025%

2 0.05%

3 0.1%

4 0.2%

SECOND SCHEDULE

[Paragraphs 5 and 9]

Premium category

(1)

Premium rate

(2)

1 0.05%

2 0.1%

3 0.2%

4 0.4%

THIRD SCHEDULE

[Paragraph 11]

Premium category

(1)

Minimum annual premium amount

(2)

1

RM 75,000 2

RM150,000 3

RM300,000 4

RM600,000

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Made 28 December 2012

[KK/BPKA/K2/(S)/382/342/3-1/2012; PN(PU2)689/II]

DATO’ SERI AHMAD HUSNI BIN MOHAMAD HANADZLAH

Second Minister of Finance

[To be laid before the Dewan Rakyat pursuant to subsection 209(4) of the Malaysia

Deposit Insurance Corporation Act 2011]