From as low as 3 sen per day with takaful protection coverage of up to RM1,200,000. Your children’s education savings and your family’s future will be more secure with Simpan SSPN Plus and HLM Takaful.
If you are thinking about the future of your child's education, start saving with Simpan SSPN Plus with a TAKAFUL protection plan with HLM Takaful which has protected a total of 551,834 existing depositors. With a Shariah Compliant concept, HLM Takaful is indeed a wise choice.
Hong Leong MSIG Takaful
Build a brighter future with Simpan SSPN Plus and HLM Takaful.
- Introduction
- Savings Package
- Takaful Benefits by Package
- Waiting Period
PTPTN & HLM Takaful have been together since the Simpan SSPN Plus product was first introduced in 2015 (SSPN-i Plus). A total of 551,834 depositors have been protected with takaful protection benefits from HLM Takaful and have extensive experience in administration and managing the benefit claim process efficiently.
Hong Leong MSIG Takaful Berhad is a licensed takaful operating company and an important component of Islamic financial services for Hong Leong Financial Group. We are committed to offer excellent best family takaful solutions that are innovative, competitive and flexible in meeting the evolving needs of our customers. As the Preferred Takaful Operator, we will continue to connect with Malaysians through strong moral values. Together with our dedicated partners and various distribution channels, we are committed to help Malaysians achieve a brighter and financially secure future.
| Monthly Commitment | Intan | Delima | Topas | Zamrud | Nilam | Berlian |
|---|---|---|---|---|---|---|
| Simpan SSPN Savings | RM20 | RM40 | RM90 | RM180 | RM270 | RM200 |
| Takaful Contribution | RM10 | RM10 | RM10 | RM20 | RM30 | RM300 |
| Total Monthly Commitment | RM30 | RM50 | RM100 | RM200 | RM300 | RM500 |
| Item | Intan | Delima | Topas | Zamrud | Nilam | Berlian |
|---|---|---|---|---|---|---|
| Death | ||||||
| Death Due To Natural Causes (RM) Accidents • Accidental Death in Malaysia (RM) • Accidental Death in Malaysia (including on Public Conveyance) (RM) • Accidental Death Outside of Malaysia (RM) | 30,000 60,000 | 30,000 60,000 | 30,000 60,000 | 60,000 120,000 | 90,000 180,000 | 600,000 1,200,000 |
| Invalidity | ||||||
| Total Permanent Disability (TPD) Due to Natural Causes (RM) Total Permanent Disability (TPD) Due to Accidental Causes (RM) Partial Permanent Disability (PPD) Due to Accidental Causes (RM) Partial Permanent Disability (PPD) Due to Natural Causes (RM) | 30,000 60,000 10,000 10,000 | 30,000 60,000 10,000 10,000 | 30,000 60,000 10,000 10,000 | 60,000 120,000 20,000 20,000 | 90,000 180,000 30,000 30,000 | 600,000 1,200,000 100,000 100,000 |
| Critical Illness | ||||||
| Coverage amount (RM) The number of diseases covered | 12,000 36 | 12,000 36 | 12,000 36 | 24,000 36 | 36,000 36 | 120,000 36 |
| Hospitalization Allowance Benefit | ||||||
| Per day (RM) Number of weeks | 25 52 | 25 52 | 25 52 | 50 52 | 75 52 | 250 52 |
| Funeral Benefit | ||||||
| 1. Depositor (RM) 2. Spouse (RM) 3. Children (RM) Protection amount (RM) Number of protected children | 3,000 1,500 | 3,000 1,500 | 3,000 1,500 | 3,000 1,500 | 3,000 1,500 | 20,000 3,000 |
* Takaful protection only applies to depositors.
** For the Berlian package, Hong Leong MSIG Takaful Berhad only allows the opening of a maximum of 2 accounts per depositor.
*** For the Berlian package, if the information provided is incorrect, benefits will not be paid. Plus, total amount of savings and dividend will be returned.
| Item | Waiting Period |
|---|---|
| Death Due To Natural Causes | • 12 months from the effective date • Instant coverage (except for pre-existing conditions) • Berlian Package: 3 months from the effective date |
| Death Due To Accident | • Immediate coverage |
| Total Permanent Disability (TPD) Due to Natural Causes | • 12 months from the effective date |
| Total Permanent Disability (TPD) Due to Accidental Causes | • Immediate coverage |
| Partial Permanent Disability (PPD) Due to Natural Causes Partial Permanent Disability (PPD) Due to Accidental Causes | • General: 12 months from the effective date for pre-existing conditions • Accident: Immediate coverage |
| Critical Illness | • Cancer and Heart-Related Conditions: 60 days from the effective date • Other Illnesses: 30 days from the effective date • Pre-Existing Conditions: 12 months from the effective date |
| Hospitalization Allowance Benefit | • Accident: Immediate coverage • Specified Illnesses: 120 days from the effective date • Other Illnesses: 30 days from the effective date • Pre-Existing Conditions: 12 months from the effective date |
| Funeral Benefit | • Pre-Existing Conditions: 12 months from the effective date (applicable to Depositors only) |