Life protection
On death, the basic sum covered + Account Value (if any) is paid as one lump sum.
Welcome aboard 
Raff Abdullah Your Marketing Representative · Capspring Temasik
Congratulations: you’re now covered by i-Flexi Protect.
You just did something big for the people you love. Now you can breathe a little easier. There are only a few simple steps left, and I’ll be right beside you for each one.
Tak susah. Janji faham.
Raff Abdullah Your Marketing Representative · Capspring Temasik This is your onboarding guide to help you get started. Save it and refer back whenever you need help, or just message me.
Onboarding · step by step
Let’s get you set up, one step at a time.
7 simple steps · just a few minutes
- 1
Save my number, the most important step. Tap the button; your Contacts open with my details already filled in. Just tap Save. So you can reach me anytime, especially in an emergency, and get important updates. I also send urgent alerts by WhatsApp broadcast, and WhatsApp only delivers a broadcast to people who have saved my number, so save it to make sure you never miss one. ＋ Save my numberMy number: 012-216 9041
- 2
Register your HLMT360 account. Sign up on the HLMT360 portal: accept the Terms & Privacy, then receive a TAC number and a temporary password by SMS to log in.
- 3
Download the HLMT360 app. Install HLMT360 from App Store or Google Play to view your certificate, e-card, pay contributions and manage your plan 24/7.
- 4
Check your details, acknowledge the certificate & share. In the portal/app, confirm your full name, IC number, date of birth and nominee (hibah) are correct, acknowledge receipt of the certificate (web view) within the 15-day free-look period, then download the certificate and share a copy with your family or next of kin.
- 5
Critical illness claim: notify HLM Takaful within 30 days of diagnosis and submit the claim documents within 90 days. The Person Covered must survive at least 30 days from the diagnosis date.
- 6
Death claim: the nominee/next of kin notifies HLM Takaful; submit the completed form with the death certificate and supporting documents. Payout = basic sum covered + Account Value.
- 7
Manage in HLMT360: update your nominee (hibah), payment method & bank details, and download statements via the portal/app.
Important: make sure your full name, IC number and nominee are exactly correct. Wrong details can delay or affect your claim. Spot anything off? Message me right away and we’ll fix it.
What you’re covered for
Here’s the core protection you get with i-Flexi Protect:
The figures on this page are the plan’s standard benefits. Your actual sum covered, limits and riders depend on the plan you chose. Always refer to your own policy (certificate & PDS) for your exact numbers.
Accelerated critical illness
Diagnosed with a covered CI & survive 30 days? The CI amount is paid early, deducted from the death benefit.
36 critical illnesses
Covers cancer, heart attack, stroke, kidney failure, major organ transplant and many more (first-incidence claim).
Account Value & investment
Part of the contribution is invested (Mudarabah, profit shared 90:10). The value can rise or fall. You carry the risk.
Surplus sharing
Any surplus in the Participants’ Risk Fund is shared 50:50 each year, on a Ju’alah basis.
Contribution waiver
A waiver rider covers future contributions if a critical illness occurs (when attached to your certificate).
Benefit summary
Not sure which plan you’re on? Check your app or policy to see the plan you chose.
| Event | What is paid |
|---|---|
| Death | Basic sum covered + Account Value |
| Critical illness (accelerated) | CI amount: deducted from the death benefit |
| Angioplasty & invasive coronary treatment | 10% of CI benefit (max RM25,000), once |
| Maturity | Account Value (if any) |
| Surrender | Account Value − surrender charge |
Your sum covered, CI amount and contribution depend on the plan you choose. See your certificate/PDS. Remember: the CI benefit is accelerated and reduces the death benefit. There is no total & permanent disability (TPD) benefit in the basic plan.
The 36 covered critical illnesses
Among the critical illnesses covered (full list & clinical definitions are in the certificate):
- Cancer (of specified severity)
- Heart attack (of specified severity)
- Stroke with permanent neurological deficit
- Kidney failure
- Coronary artery by-pass surgery
- Serious coronary artery disease
- Major organ / bone marrow transplant
- End-stage liver & lung disease
- Coma & benign brain tumour
- Paralysis of limbs
- Blindness, deafness, loss of speech
- Multiple sclerosis, Parkinson’s, Alzheimer’s
- SLE with severe kidney complications
Important things to know
Waiting periods
- CI rider must be in force 30 days
- Must survive 30 days from the diagnosis date
- Cancer & certain heart conditions: symptoms after 60 days
- Other critical illnesses: symptoms after 30 days
Key exclusions
- Death by suicide within 12 months (only Account Value paid)
- Pre-existing conditions (unless covered >12 months & disclosed)
- Only the first incidence of a critical illness
- Self-inflicted injury; alcohol/drug misuse
- Death within 30 days of CI diagnosis
- Each illness has its own clinical exclusions (see the certificate)
Questions you might have
What is i-Flexi Protect?
An investment-linked family takaful plan from HLM Takaful (Hong Leong MSIG Takaful). It gives life protection, and with the accelerated critical illness benefit it pays out early if you’re diagnosed with one of 36 covered critical illnesses. Part of the contribution is invested in an Account Value.
What does an “accelerated” critical illness benefit mean?
Accelerated means the critical illness amount is paid early from your death benefit, not on top of it. When a CI claim is paid, your remaining death benefit is reduced by the same amount. Once 100% of the CI amount has been paid, the CI benefit ends. (Angioplasty & invasive coronary treatment pays only 10%, capped at RM25,000, once.)
How many critical illnesses are covered?
36 major critical illnesses, covering cancer, heart attack, stroke, kidney failure, organ transplant and more. Claims are for the first incidence only, and each illness has its own definition and clinical exclusions. Refer to your certificate.
Is there a total & permanent disability (TPD) benefit?
No. This basic plan covers death and accelerated critical illness only. There is no TPD benefit. If you need TPD or medical cover, tell me and we’ll look at other options.
Is this an investment plan?
Yes, it’s investment-linked. Part of the contribution is invested in an Account Value (profit shared 90:10 on a Mudarabah basis). The Account Value isn’t guaranteed and can rise or fall. You bear the investment risk. At maturity you receive the Account Value (if any); there’s no guaranteed maturity sum.
Who can join & how long is the cover?
Entry age and coverage term depend on the plan you choose. Refer to the Product Disclosure Sheet (PDS). With the Continuous Coverage Option, the basic cover can be extended to age 90. Not sure what fits you? Just ask.
Is there a free-look period?
Yes: 15 days to read and understand the certificate. If you change your mind, you can cancel for a refund per the certificate terms.
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. This plan is investment-linked. The Account Value is not guaranteed and can rise or fall with fund performance; you bear the investment risk. The critical illness benefit is accelerated. It reduces the death benefit. For the actual benefits, limits, charges and terms, refer to the Product Disclosure Sheet (PDS), Product Illustration and your takaful certificate. i-Flexi Protect is operated by Hong Leong MSIG Takaful Berhad (HLM Takaful). Benefits are protected by PIDM subject to limits. Raff Abdullah is a Marketing Representative under Capspring Temasik, not a licensed financial adviser.
More ways I can help
Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.
I’m here for you
I’ve got you, all the way through to claims.
From here, you’re not on your own. To ask something, make a claim, or just double-check anything, text or call me anytime.
Message Raff on WhatsAppor call me at 012-216 9041
Raff Abdullah