HSBC Amanah Takaful Malaysia
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Bahagian Pinjaman Perumahan Perbendaharaan

Perlindungan Takaful Empunya Rumah / Homeowner Takaful Scheme (HTS - FT)


Worried about any unforeseen circumstances happening to your house? HTS – FT offers peace of mind to you and your family and is specially designed to provide comprehensive protection against loss or damage to your home caused by the unexpected.


Your home will be covered for the following perils under this scheme:

  • Fire, lightning, thunderbolt, subterranean fire
  • Explosion, aircraft damage and other aerial devices and/or articles dropped therefrom
  • Impact by any road vehicles or animals not belonging to you or under your control or any of your family members
  • Bursting or overflowing of domestic water tanks, apparatus or pipes
  • Liability to Third Parties up to RM50,000 of any one accidents
  • Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt thereat
  • Loss of rent/Alternative accommodation up to 10% of the total sum covered
  • Hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption, flood

You may extend the standard certificate coverage to include any of the following perils by paying additional contribution:

  • Riot, strike and malicious damage
  • Subsidence and landslip


How much coverage do you need?

You must ensure that your property is adequately covered at all times, taking into account the renovations and enhancements made to your property. The sum covered should cover the cost of rebuilding your property in the event of loss or damage.


Will there be any surplus sharing?

If there is any surplus at the end of each financial year, Participants are entitled to the surplus at the end of Takaful period.


What is special about this plan?

You do not have to renew your certificate as this plan provides a long-term coverage based on the loan period. However, you are advised to check the value of your takaful coverage from time to time to ensure that the value is based on the latest rebuilding cost.


What are the major exclusions under this plan?

This certificate does not cover certain losses such as but not limited to:

  • Loss or damage arising from war, riot or act of foreign enemies
  • Loss or damage arising from radioactive contamination or nuclear radiation

Note: The list of exclusions is not exhaustive and reference should be made to the comprehensive list contained in the Certificate/Master Certificate.


Other information

  • Wakalah fee is 35% of Contribution
  • Cancellation : You may cancel your certificate by giving a written notice to the housing loan financier. Upon confirmation by the housing loan financier, the Takaful Operator shall refund the paid contribution on a pro-rate basis subject to the minimum contribution that has been determined by the Takaful Operator.
  • General Risk Fund : The Contribution paid (less Wakalah Fee) for this Certificate will be allocated to the General Risk Fund for the benefit of the Participants and financial protection through the principles of Takaful. As a reward for managing and administering the General Risk Fund, the Takaful Operator is entitled to an incentive fee equal to 80% of any surplus arising. The balance 20% on any surplus arising will be distributed to eligible Participants.


Note : Please use Internet Explorer for the Calculation of Estimated Monthly Repayment of Loan


For more information , please call HSBC Amanah Takaful (Malaysia) Sdn. Bhd. Customer Service at 1-800-88-9659.

Please note that the information set out on this page is merely to inform the public of the range of products / proposed products – all such products are ultimately subject to the provisions contained in each of their respective Takaful Certificates and any proposal for Takaful coverage is subject to the acceptance of the Takaful Operator (HSBC Amanah Takaful (Malaysia) Sdn. Bhd.).