Jacket WWC

CERTIFICATE FOR
Workmen’s Compensation Takaful

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The Participant as named in the Schedule agrees to participate in Workmen’s Compensation Scheme Takaful
and pay the Contribution into the General Takaful Fund (GTF) based on Tabarru’. The Participant authorizes the
Company based on Wakalah to manage the GTF and in return, the Company will receive the Wakalah Fee.
The Participant also agrees that a portion of distributable surplus arising from the GTF will be distributed to
eligible participants and a portion of the distributable surplus will be received by the Company as a performance
incentive based on Ju’alah. If the GTF is in deficit, the Participant agrees to accept an interest-free loan which
will be provided by the Company to the GTF based on Qard.
This Certificate is issued in consideration of the payment of Contribution as specified in the Certificate Schedule
and pursuant to the answers given in the Proposal Form (or when the Participant applied for this takaful) and
any other disclosures made by the Participant between the time of submission of the Proposal Form (or when
the Participant applied for this takaful) and the time this contract is entered into. The answers and any other
disclosures given by the Participant shall form part of this contract of takaful between the Participant and the
Company. In the event of any pre-contractual misrepresentation made in relation to the Participant’s answers
or in any disclosures made by the Participant, it may result in avoidance of the Participant’s contract of takaful,
refusal or reduction of the Participant’s claim(s), change of terms or termination of the Participant’s contract of
takaful.
This Certificate reflects the terms and conditions of the contract of takaful as agreed between the Participant
and the Company.
NOW THIS CERTIFICATE WITNESSETH that if at any time during the Period of Takaful any employee in the Participant's
immediate service shall sustain personal injury by accident or disease arising out of and in the course of his employment
by the Participant in the Business and if the Participant shall be liable to pay compensation for such injury either under:
Law(s):
As amended up to the date of commencement of this Certificate
Workmen's Compensation Act 1952
Workmen's Compensation (Amendment) Act 1956
Modification of Laws (Workmen's Compensation) (Extension and Modification) Order 1981
And any subsequent amendments to the said Act and Enactments made effective prior to the date of issue of the
Certificate.
or at
Common Law(s):
Non-statutory and statutory law other than Workmen's Compensation Legislation relating to payment to such
compensation as a Court may award to employees proving injury by negligence of the employer; and the expression
"Common Law" is deemed to include the Common Law of England insofar as it applies to Malaysia, the Republic of
Singapore, and Brunei Darussalam.
PROVIDED ALWAYS that in the event of any change in the Law(s) or the substitution of other legislation therefore this
Certificate shall remain in force but the liability of the Company shall be limited to such sums as the Company would
have been liable to pay if the Law(s) had remained unaltered.
In respect of any claim at Common Law, the liability of the Company for all compensation payable to any claimant or
any number of claimants in respect of or arising out of any one occurrence or in respect of or arising out of all
occurrences of a series consequent on or attributable to one source or original cause does not exceed the limit of
indemnity specified in the Schedule for any one occurrence, and in respect of all personal injury by accident or disease
sustained as a result of all occurrences happening during any one period of takaful does not exceed the limit of
indemnity specified in the Schedule for any one period of takaful.
STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

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EXCEPTIONS
The Company shall not be liable under this Certificate in respect of:
1. any injury by accident or disease directly attributable to war, invasion, act of foreign enemy, hostilities (whether
war be declared or not), civil war, mutiny, insurrection, rebellion, revolution or military or usurped power.
2. the Participant's liability to employees of contractors to the Participant.
3. any employee who is not a "workman" within the meaning of the Law(s).
4. any liability of the Participant which attaches by virtue of an agreement but which would not have attached in the
absence of such agreement.
5. any sum which the Participant would have been entitled to recover from any party but for an agreement between
the Participant and such party.
6. any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from:
(a) nuclear weapons material
(b) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the
combustion of nuclear fuel and for the purposes of this exception combustion shall include any self-sustaining
process of nuclear fission.
7. any loss, damage or liability, cost or expense of whatsoever nature directly or indirectly caused by, resulting from
or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in
any other sequence to the loss.
For the purpose of this exception an act of terrorism means an act, including but not limited to the use of force or
violence and or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in
connection with the organization(s) or government(s), committed for political religious, ideological or similar
purposes including the intention to influence any government and or to the public, or any section of the public in
fear.
This exception also excludes loss, damage or liability, cost or expense of whatsoever nature directly or indirectly
caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any
way relating to any act of terrorism.
CONDITIONS
1. Every notice or communication to be given or made under this Certificate shall be delivered in writing to the
Company. No amendment/variation in this Certificate shall be valid unless approved by an Authorised
Representative of the Company and such amendment be endorsed hereon.
2. The Participant shall take reasonable precautions to prevent accidents and disease and shall comply with all
statutory obligations.
3. In the event of any occurrence which may give rise to a claim under this Certificate the Participant shall as soon as
possible give notice thereof to the Company with full particulars. Every letter, claim, writ, summons and process
shall be notified or forwarded to the Company immediately on receipt. Notice shall also be given to the Company
immediately if the Participant shall have knowledge of any impending prosecution inquest or fatal enquiry in
connection with any such occurrence as aforesaid.

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4. No admission offer promise or payment shall be made by or on behalf of the Participant without the written
consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the
Participant the defence or settlement of any claim or to prosecute in the name of the Participant for its own benefit
any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings
and in the settlement of any claim and the Participant shall give all such information and assistance as the Company
may require.
5. The first Takaful Contribution and all renewal Takaful Contributions that may be accepted are to be regulated by
the amount of wages and salaries and other earnings paid by the Participant to employees during each Period of
Takaful. The name of every employee together with the amount of wages, salary and other earnings shall be
properly recorded and the Participant shall at all times allow the Company to inspect such records and shall supply
within one (1) month from the expiry date of such Period of Takaful. If the amount so paid shall differ from the
amount on which Takaful Contribution has been paid, the difference in Takaful Contribution shall be met by a
further proportionate payment to the Company or by a refund by the Company as the case may be.
6. This Takaful may be terminated at any time at the request of the Participants, in which case the Company will
retain the pro rata rate based on the amount of actual wages, salary and other earnings for the period the
certificate has been in force. This Takaful may also be terminated at the option of the Company by sending fourteen
(14) days notice by registered post to the Participant at his last known address, in which case the Company shall
be entitled to retain the pro rata proportion of the contribution adjusted on the amount of actual wages, salary
and other earnings for the period the certificate has been in force and return the balance of the contribution paid
by the participant.
7. All differences arising out of this Certificate shall be referred to the decision of an arbitrator to be appointed in
writing by the parties in difference or if they cannot agree upon a single arbitrator, to the decision of two (2)
arbitrators one (1) to be appointed in writing by each of the parties within one (1) calendar month after having
been required in writing so to do by either of the parties, or in case the arbitrators do not agree, of an Umpire
appointed in writing by the arbitrators before entering upon the reference. The Umpire shall sit with the arbitrators
and preside at their meetings. The making of an award shall be a condition precedent to any right of action against
the Company. The costs of the reference and of the award shall be in the discretion of the Arbitrator, Arbitrators
or Umpire making the award. The seat of arbitration shall be Kuala Lumpur and the laws of Malaysia shall apply to
the arbitration. If the Company shall disclaim liability to the Participant for any claim hereunder and such claim
shall not within twelve (12) calendar months from the date of such disclaimer have been referred to arbitration
under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned
and shall not thereafter be recoverable hereunder.
8. The due observance and fulfilment of the terms of this Certificate in so far as they relate to anything to be done or
complied with by the Participant and the truth of the statements and answers in the Proposal and Declaration
made by the Participant shall be a condition precedent to any liability of the Company to make any payment under
this certificate.
9. If the proposal or declaration of the Participant is untrue in any respect, or if any material fact affecting the risk be
incorrectly stated therein or omitted therefrom, or if this Takaful, or any renewal thereof shall have been obtained
through any misstatement, misrepresentation or suppression, or if any claim made shall be fraudulent or
exaggerated, or if any false declaration or statement shall be made in support thereof, then in any of these cases,
this Certificate shall be void.
10. SUBROGATION
The Company reserves the right to undertake in the Participant’s name and the Participant’s behalf:
 the full conduct, control and settlement of any proceedings,
 recover compensation or secure indemnity from any third party in respect of anything covered by this
Certificate.
at the Company’s expense and benefit.
11. TERMINATION OF THIS CERTIFICATE

This Certificate shall automatically terminate upon occurrence of any of the following:
a) upon cancellation of this Certificate by the Participant; or

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b) upon cancellation of this Certificate by the Company; or
c) when there is fraud or misrepresentation of material fact during application; or
d) when the sum covered is fully paid; or
e) when the Certificate expires or
f) upon cancellation due to Takaful Contribution Warranty; or
g) upon cancellation due to Non Shariah Compliance.
If the termination is due to (a) and (b), the Company will refund to the Participant the Contribution amount
(Wakalah fee and Tabarru’ portion) for the unexpired period calculated on pro-rata basis subject to no
claim. If the termination is due to (c) and (g), the Company will refund to the Participant the Contribution
in full. If the termination is due to (d), (e) and (f), the Company will not refund to the Participant the
Contribution.
Any Contribution receipt by the Company after the termination of this certificate will not create any liability
to the Company but the Company will refund such Contribution to the Participant without profit.
12. BENEFITS
All benefits specified in this Certificate will be payable from the GTF.
13. CUSTOMER SERVICE CHARTER

The Participant may visit the Company’s website to know more about the Company’s Customer Service
Charter.
14. DUTY OF DISCLOSURE

For Non-Consumer Takaful Contracts
Where the Participant has applied for this Takaful wholly for purposes related to the Participant’s trade,
business or profession, the Participant has a duty to disclose any matter that the Participant knows to be
relevant to the Company’s decision in accepting the risks and determining the rates and terms to be applied
and any matter a reasonable person in the circumstances could be expected to know to be relevant
otherwise it may result in avoidance of the Participant’s contract of takaful, refusal or reduction of the
Participant’s claim(s), change of terms or termination of the Participant’s contract of takaful.
The Participant also has a duty to tell the Company immediately if at any time after the Participant’s contract
of takaful has been entered into, varied or renewed with the Company any of the information given in the
Proposal Form (or when the Participant applied for this takaful) is inaccurate or has changed.
CLAUSES/ENDORSEMENTS/WARRANTIES
(THESE APPLY TO THE WHOLE CERTIFICATE)
1. JURISDICTION CLAUSE
The Company shall not be liable to pay for:
(a) Compensation for damage in respect of judgements not delivered or obtained from a count of competent
jurisdiction within Malaysia,
(b) Costs and expenses of litigation recovered by any claimant from the participant which are not incurred in and
recoverable in Malaysia.
2. TAKAFUL CONTRIBUTION WARRANTY

It is fundamental and absolute special condition of this contract of takaful that the contribution due must be paid
and received by the Company within sixty (60) days from the inception date of this Certificate/Endorsement/
Renewal Certificate.
If this condition is not complied with then this Certificate is automatically cancelled from the inception date without
further reference to the Participant/Certificate Owner wherein the Company shall disclaim all liabilities in any form
whatsoever effective from the date thereof.

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Where the contribution payable pursuant to this warranty is received by an authorised agent of the Company, the
payment shall be deemed to be received by the Company for the purposes of this warranty and the onus of proving
that the contribution payable was received by a person, including a Takaful agent, who was not authorised to
receive such contribution shall lie on the Company.
Subject otherwise to the terms and conditions of this Certificate.
3. DATE RECOGNITION CLAUSE

It is noted and agreed this Certificate is hereby amended as follows:
(a) The Company will not pay for any loss or damage including loss of use with or without physical damage, injury
(including bodily injury), expenses incurred or any consequential loss directly or indirectly caused by, consisting
of, or arising from, the failure or inability of any computer, data processing equipment, media microchip,
operating systems, microprocessors (computer chip), integrated circuit or similar device, or any computer
software, whether the property of the Participant or not, and whether occurring before, during or after the
year 2000 that results from the failure or inability of such device and/or software as listed above to:
(i) correctly recognize any date as its true calendar date,
(ii) capture, save, or retain, and/or correctly manipulate, interpret or process any data or information or
command or instruction as a result of treating any date other than as its true calendar date, and/or
(iii) capture, save, retain or correctly process any data as a result of the operation of any command which
has been programmed into any computer software, being a command which causes the loss of data or
the inability to capture, save, retain or correctly process such data on or after any date.
(b) It is further understood that the Company will not pay for the repair or modification of any part of any
electronic data processing system or any part of any device and/or software as listed above in (a).
(c) It is further understood that the Company will not pay for any loss or damage including loss of use with or
without physical damage, injury (including bodily injury), expenses incurred or any consequential loss directly
or indirectly arising from any advice, consultation, design, evaluation, inspection, installation, maintenance,
repair or supervision done by the Participant or for the Participant or by or for others to determine, rectify or
test, any potential or actual failure, malfunction or inadequacy described in (a) above.
(d) It is further understood that the Company will not pay for any consequential loss resulting from any continuing
inability of the computer and equipment described in (a) above to correctly recognize any date as its true
calendar date after the lost or damaged property has been replaced or repaired.
Such loss or damage, injury (including bodily injury), expenses incurred or any consequential loss referred to in (a),
(b), (c) or (d) above, is excluded regardless of any other cause that contributed concurrently or in any other
sequence to the same.
Subject otherwise to the terms and conditions of the Certificate.
4. SANCTIONS EXCLUSION CLAUSE

The Company shall not be deemed to provide cover nor be liable to pay any claim or pay any benefit hereunder to
the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the
Company to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic
sanctions, laws or regulations of the European Union, United Kingdom or United States of America, or any of its
states and any other locally applicable laws and regulations.
The Company may terminate this Certificate with immediate effect and shall not thereafter be required to transact
any business with the Participant in connection with this Certificate, including but not limited to, making or
receiving any payments under this Certificate.

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5. RIGHT TO TERMINATE DUE TO ANTI MONEY LAUNDERING AND COUNTER FINANCING OF TERRORISM
If the Company discovers, or has justified suspicion, that the Certificate is exploited for money laundering activities
or to finance terrorism, the Company reserves the right to terminate the Certificate immediately. The Company
shall deal with all contributions paid and all Benefits or sums payable in respect of the Certificate in any manner
which the Company deems appropriate, including but not limited to handing it over to the relevant authorities.
6. COMPLIANCE TO PROPERTY IN ACCORDANCE TO SHARIAH CLAUSE

It is hereby agreed and declared that this Certificate will not cover and is not intended to cover business, property,
materials, stock, cash or any other financial instrument (collectively "Property") and/or any liability of whatsoever
nature, whether temporary or permanent, arising from any such Property if at any time after the inception of the
Certificate the Company shall find such Property to be not Shariah-compliant. In any such case, the Company
shall reserve the right to cancel this Certificate and refund any contribution received in respect thereof.
Subject otherwise to the terms and conditions of the Certificate.
7. PERSONAL DATA PROTECTION ACT 2010 (PDPA 2010)

The Participant may make inquiries or request for access to or correction of their Personal Data or limit the
processing of their Personal Data at any time hereafter by submitting such request to the Company via email to
csu@takaful-malaysia.com.my. The Company will retain the Participant’s personal information only for as long as
necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory or internal policy
requirements.
The Participant has expressly acknowledged and consent to the Participant’s Personal Data to be stored, processed
and disclosed by the Company for the purposes and in accordance with the Company’s Privacy Notice as published
on the Company’s website.
8. MANAGEMENT OF FUND
Pursuant to the authorization given to the Company by the Participant and the rest of the participants, the
Company will manage the GTF in accordance with Shariah and in a manner that preserve the interest of the
participants. The Company has the discretion to conduct any actions deemed necessary for the benefits of the
participants and the fund, including but not limited to investing the fund and securing adequate retakaful, subject
to Shariah and regulatory requirements.
9. DEFICIENCY & LOSS RECTIFICATION

If the GTF is in deficit, the Company will provide an interest-free loan to the GTF based on Qard to rectify the deficit.
Any profit arising from the loan will be owned by GTF (pool of participants) and the loan will be repaid when the
GTF returns to surplus position. The Company may waive its rights to receive the repayment of the loan. If the GTF
is in deficit or suffers loss due to its mismanagement or negligence, the Company will make an outright transfer to
rectify the deficit or loss.
CLAUSES/ENDORSEMENTS/WARRANTIES
(ONLY APPLICABLE IF STATED IN THE SCHEDULE)
C012 CROSS LIABILITY
For the purpose of this Certificate each of the parties comprising the Participant shall be considered as
a separate and distinct unit and the word `the Participant' shall be considered as applying to each party
in the same manner as if a separate certificate has been issued to each of the said parties and the
Company hereby agreed to waive all rights of subrogation or action which the Company may have or
acquire against either of the a foresaid parties arising out of any accident in respect of which any claim
is made hereunder.

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C002 LOSS NOTIFICATION CLAUSE
Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that this
Takaful will not be prejudiced by any inadvertent delays, errors or omission in notifying the Company of
any circumstances or event giving rise or likely to give rise to a claim under this Certificate provided
always that:
(a) such delays in notification shall not exceed the number of days as stated in the Schedule from the
date of occurrence,
(b) the Company's right to recover (in the name of the Participant or otherwise) from any responsible
party for the loss shall not have been prejudiced,
(c) the burden of proving that a loss has occurred shall be upon the Participant.
C006 ENDORSEMENT "A" & "B"

It is hereby understood and agreed that in the event of any workman employed by the within Participant
or by the Participant's Contractors as referred to in Endorsement "B" hereon or any dependant of such
workman, bringing or making a claim under the Workmen's Compensation Ordinance in force in
Malaysia against any officer of the Government of Malaysia or any State thereof for personal injury or
death or disease sustained whilst at work on any Contract covered by the terms and conditions of the
within Certificate which the Participant may be carrying out for the said officer or Government, the
Company will indemnify the said officer or Government against such claim and any costs, charges and
expenses in respect thereof.
Provided always that the Company shall be entitled to have the sole conduct and control of all
proceedings connected with claims covered by this endorsement. Nothing in this endorsement shall be
construed as affecting the Participant's right to recover damages in any other way under the said
Ordinance.
ENDORSEMENT B
It is hereby understood and agreed that the indemnity herein granted is to cover the legal liability of the
Participant to Workmen in the employment of Contractors performing work for the Participant while
engaged in the business and occupation in respect of which the within Certificate is granted but only so
far as regards Claims under the Workmen's Compensation Ordinance in force in Malaysia.
Subject otherwise to the terms, exceptions and conditions of this Certificate.
C009 CONTRACTORS AND SUB-CONTRACTORS

Notwithstanding anything herein contained to the contrary, the Indemnity expressed in this Certificate
is deemed to include Liability caused by or in connection with employment of Sub-Contractors or the
servants or agents of Sub-Contractors by the Participant.
Provided always that:
(i) the Sub-Contractors shall as though the Participant observe fulfil and be subject to terms of this
Certificate so far as apply,
(ii) the Sub-Contractors is not entitled to indemnity under any other Certificate of Takaful,
(iii) at the end of each period of Takaful the Participant shall notify the Company of any such Sub-
Contractors employed during such period of Takaful and of the cost thereof and shall pay such
additional contribution as may be required.
Subject otherwise to the terms, exceptions and conditions of the Certificate.
W010 WARRANTY 10(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with
cutting of bark, wood, bamboo or cane from growth.
W100 WARRANTY 100(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with the
handling of any unit exceeding 5 cwt. in weight when completed for use.

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This certificate does not indemnify the Participant in respect of any claim arising in connection with any
machinery (other than cranes, hoists, lifts or pug mills) driven by steam, gas, water, electricity or other
mechanical power.

This Certificate does not indemnify the Participant in respect of any claim arising in connection with:
(a) any work other than that of maintenance or repair,
(b) water diversion, pile driving, dam construction, or work within or behind dams,
(c) the removal or fixing of dock gates,
(d) the employment of divers or the use of explosives.

handling of any unit exceeding 3 hp. or 5 cwt. in weight when completed for use.
W011 WARRANTY 11(A)

manufacture of wire mattresses.

smelting and rolling.

employees other than indoor servants.

It is hereby understood and agreed that this Certificate is issued on the express understanding and
condition that none of the employees covered hereunder will at any time fly.

employment of jockeys, grooms and stable-hands engaged in riding.

This Certificate does not indemnify the Participant in respect of any claim arising in connection with tree
felling or sawing or transporting of trees (including timber rafting) in connection therewith.
W012 WARRANTY 12(A)

It is a condition of this Certificate that the indemnity granted is in respect of indoor servants only,
excluding lift attendants.
W013 WARRANTY 13(A)

(a) any work in connection with Drilling and Pumping Erection, Repair and Demolition of Rigs, Tanks,
Dams, Telegraph or Telephone Lines and Overhead Electric Cables.
(b) Stevedores and Dock and Pier Labourers.
W014 WARRANTY 14(A)

(a) clay-getting or blaes-getting below 20 feet in depth from surface level;
(b) the construction, repair or demolition of kiln chimneys.
W015 WARRANTY 15(A)


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(a) the construction, alteration or repair of buildings involving the use of at any stage of mechanically
driven machinery other than mortar mills, stone crushers, concrete mixers and friction hoists
controlled by a motor with a lifting capacity not exceeding 10 cwt. and hoisting directly from one
position only,
(b) any work of demolition (except the demolition of buildings not exceeding 30 ft. in height from the
lowest point of the foundations to the highest point of the building, including chimneys, when such
demolition is carried out by workmen in the direct employ of the Participant and forms part of a
contract for reconstruction, alteration or repair),
(c) construction, alteration or repair of towers, steeples, blast furnaces, chimney shafts, viaducts,
bridges, docks, railways, canals or tunnels, wells over 20 ft. in depth or any well sinking, other than
artesian or tube wells,
(d) blasting operations, quarrying or sand or gravel getting.
W016 WARRANTY 16(A)

(a) any work of demolition (except the demolition of buildings not exceeding 30 ft. in height from the
lowest points of the foundations to the highest point of the building, including chimneys, when
such demolition is carried out by workmen in the direct employ of the participant and forms part
of a contract for reconstruction, alteration or repair).
(b) construction, alteration or repair of towers, steeples, blast furnaces, chimney shafts, viaducts,
bridges, docks, railways, canals or tunnels, wells other than artesian or tube wells over 20 ft. in
depth from the surface.
(c) blasting operations, carrying or sand or gravel getting.

This Certificate does not indemnify the Participant in respect of any claim arising in connection with any
work other than lecturing indoors.

manufacture of sanitary pipes, drain pipes, stone-ware, unglazed flower pots, fireclay goods, roofing and
terra-cotta tiles or in connection with clay-getting in any quarry or pit or in connection with the
construction, repair or demolition of kiln chimney.
work outside buildings.
W017 WARRANTY 17(A)

(a) any work of demolition on buildings over 30 ft. in height.
(b) the erection, repair or demolition of towers, steeples, chimney shafts, viaducts or bridges.

breeding or training of non-domestic animals.

trading on the East Coast of the Peninsular Malaysia beyond 30 miles from Singapore during the
monsoon period 1st November to 31st March.

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crews of launches and other craft used other than in inland Waterways or within Harbour Limits.

casting exceeding 1 ton in weight.

slating, roof or ceiling tiling, dismantling, breaking up or demolition of buildings, works, plant or
machinery of any description or loading or discharging vessels.

use of machinery other than stone crushers, mortar mills and concrete mixers.

sinking of wells other than by precast concrete well wall.

erection of pylons and gantries of a height exceeding 30 ft.

This Certificate does not indemnify the Participant in respect of any claim arising in connection with tree-
felling or sawing and carting in connection therewith with the exception of light felling work incidental
to maintenance or the destruction of pests and diseases.

climbing of trees for nuts or toddy collection.

preserving and canning of fruits.

timber felling, burning or piling of trees other than rubber trees on Rubber Estates.

This Certificate does not indemnify the Participant in respect of any claim arising in connection with work
more than 4 miles away from land.

horse-racing.

manufacture of paint involving the use of red or white lead.

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W019 WARRANTY 19(A)
construction, alteration, demolition or repair of buildings.

sinking of shafts and the opening up or driving of levels and slants.

at a height exceeding 30 ft.

This Certificate does not indemnify the participant in respect of any claim arising in connection with
felling, sawing or carting of trees other than light trees not exceeding 20 ft. in height to be used for
scaffolding or carrying poles.

In consideration of contribution being paid on the total payment to Contractors who contract to provide
labour only, it is hereby agreed that in the event of accidents sustained by such Contractors or workmen
engaged by such Contractors whilst working under contract with the Participant in connection with the
work in respect of which this is granted, the Company will not raise the defence that there is no contract
of service between the Participant and such Contractors or workmen engaged by such Contractors.

In consideration of contribution being paid on total payments made to the company agrees that the
defence will not be raised to a claim to compensation under the Workmen's Compensation Laws
mentioned in the within Certificate and subsequent amendments passed prior to the date of this
endorsement that the contractor is not a workman within the meaning of the said Workmen's
Compensation Laws.
Provided always that such compensation shall only be payable where the contractor or his dependants,
as the case may be, agreed to accept it in full satisfaction and discharge of all claims against the
Participant.
W198 WARRANTY 198(B)

The Company shall not be liable by virtue of this Certificate if at any time the participant undertakes any
work involving blasting operations.

(a) sinking or digging wells;
(b) any work on in or about wells which exceed a depth of 20 ft. from the surface.
W002 WARRANTY 2(A)

use of woodworking machinery driven by steam, gas, water, electricity or other mechanical power.
The expression "woodworking machinery" shall not be deemed to include:
Lathes, Fret-saws, Boring machines, Sanding machines, Mechanically-driven portable tools applied to
the work by hand other than Pendulum and Swing Saws.
W020 WARRANTY 20(B)

The Company shall not be liable by virtue of this Certificate if at any time the Participant is engaged in
film production.

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printing of daily newspapers or the manufacture of paper.

building or repairing of iron steel and concrete vessels other than vessels not exceeding 1,000 tons gross
measurement and Tin Dredges.

work in jungle.

manufacture or bottling of carbonated minerals or carbonated fruit drinks.

use of twakows, lighters, barges and other cargo carrying craft beyond harbour limits or inland waters.

The Company shall not be liable by virtue of this Certificate if at any time the Participant engages in any
manufacturing process other than Soap.

supply of electricity by hydro-electric generating stations.

horse riding or motor vehicle driving.

maintenance or repair work on aircraft equipment or installation.

crews of vessels other than those trading in Peninsular Malaysia Coastal Waters and to or from East
Coast of Sumatra and Rhio Archipelago.

crews of vessels other than those trading in Peninsular Malaysia Coastal Waters and to or from East
Coast of Sumatra and Rhio Archipelago or within East Malaysia Coastal Limits.
W022 WARRANTY 22(A)

on vessels other than vessels at anchorage.

crews of vessels other than those trading in Peninsular Malaysia Coastal Waters and to or from Coast of
Sumatra and Rhio Archipelago, East Malaysia, Thailand, Cambodia, Vietnam, West Coast of Sumatra and
Java.

Page 12 of 24
crews in wooden vessels.

carriage of cargo.

work in Harvesting.
W224 WARRANTY 224(B)

The Company shall not be liable by virtue of this Certificate if at any time the Participant is engaged in
protecting carrying of Cash.

fishing on the East Coast of Peninsular Malaysia beyond 30 miles from Singapore during the monsoon
period 1st November to 31st March or within East Malaysia Coastal Limits during the Lunda Period 1st
October to 31st March.

crews of fishing vessels other than those operating in Peninsular Malaysia Coastal Waters and to or from
East Coast of Sumatra and Rhio Archipelago or within East Malaysia Coastal Limits.

crews of fishing vessels other than those operating in Peninsular Malaysia Coastal Waters and to or from
East Coast of Sumatra and Rhio Archipelago, East Malaysia, Thailand, Cambodia, Vietnam, West Coast
of Sumatra and Java.

crews on wooden fishing vessels.

climbing and the use of ladders during harvesting.
W023 WARRANTY 23(A)

quarrying or mining.
W230 WARRANTY 230

It is hereby understood and agreed that this Certificate is extended to indemnify any Principal
(hereinafter called the Principal) against liability *under the Law(s) or at Common Law in like manner to
the Participant but only so far as concerns the liability of the Principal to employees of the Participant
engaged in connection with a contract undertaken by the Participant for the Principal. Provided always
that:
1. The Company shall not be liable at Common Law in respect of any injury by accident or disease
due to or resulting from any act default or neglect of the Principal his servants or agents.
2. The Principal shall as though he were the Participant observe fulfil and be subject to the terms,
exceptions and conditions of this Certificate insofar as they can apply.

Page 13 of 24
3. The Company shall have full conduct and control of all claims in respect of which indemnity is
granted by this Endorsement. Subject otherwise to the terms, exceptions and conditions of this
certificate.
W231 WARRANTY 231

Notwithstanding anything stated to the contrary in this Certificate and subject to condition 5 being
deleted, it is understood and agreed that if the wages herein stated are less than the actual wages (as
defined in the Workmen's Compensation Ordinance currently in force) paid or payable to the workmen
hereby covered corresponding to the Period of Takaful, the liability of the Company in respect of any
claim under this Certificate shall be proportionately reduced and the Participant shall be considered as
covering for the difference .
W024 WARRANTY 24(A)

dyewood grinding.
W025 WARRANTY 25(A)

on:
(a) Gasholders
(b) Towers
(c) Steeples
(d) Bridges over 30 feet
(e) Viaducts
(f) Blast furnaces
(g) Colliery overhead winding gear
(h) Roofs of Railway Stations and Aeroplane Sheds exceeding 30 ft. in height from ground level.
W026 WARRANTY 26(A)

loading and discharging of vessels.
W027 WARRANTY 27(A)

erection of flags, decorations, tents or marquees.
W028 WARRANTY 28(A)

employees other than salesmen or buyers.
W029 WARRANTY 29(A)

handling or treatment of fur or leather.
W003 WARRANTY 3(A)

handling of livestock.
W030 WARRANTY 30(A)

handling of treatment of raw skins or hides.
W031 WARRANTY 31(A)

erection, painting, repairing or demolition of gasholders.

Page 14 of 24
W032 WARRANTY 32(A)
other than on residences, offices or shops at a height not exceeding 30 ft. from ground level.
W033 WARRANTY 33(A)

testing or loading of firearms or cartridges.
W034 WARRANTY 34(A)

manufacturing process.
W035 WARRANTY 35(A)

manufacture of belting for machinery.
W036 WARRANTY 36(A)

dismantling, breaking up or demolition or buildings, works, plant or machinery of any description.
W037 WARRANTY 37(A)

manufacture of paper.
W038 WARRANTY 38(A)

production or refining of mineral oils.
W039 WARRANTY 39(A)

manufacture of machine made paper, tracing cloth, tracing paper or waxed paper.
W004 WARRANTY 4(A)

erecting or fitting or repair away from the shop or yard of the participant.
W041 WARRANTY 41(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with clay-
getting from any quarry or pit, or with clay mining or the construction, repair or demolition of kiln
chimneys.
W045 WARRANTY 45(A)

manufacture of wire ropes.
W046 WARRANTY 46
It is hereby understood and agreed that this Certificate is issued on the express understanding and
condition that the Participant only makes rope, cord and twine from cotton yarn and does not engage
in any work connected with the preparing and spinning of cotton.
W047 WARRANTY 47(A)

employment of riggers.

Page 15 of 24
W048 WARRANTY 48(A)
(a) loading or discharging of vessels other than coastal vessels not exceeding 1,000 tons and lighters
and receiving from or delivering to such vessels whether on dock, quayside or wharf, or otherwise,
(b) loading, discharging, receiving from or delivering to coastal vessels not exceeding 1,000 tons and
lighters by one employer as part of a single operation which includes loading or unloading or
receiving from or delivering to vessels other than coastal vessels not exceeding 1,000 tons and
lighters,
(c) lightermen and crew of coastal vessels not exceeding 1,000 tons.
W049 WARRANTY 49(A)

(a) employees receiving from or delivering to vessels or employees on dock, quayside or wharf;
(b) stevedores or lightermen;
(c) the carting or delivery of goods other than by hand or handcart.
W005 WARRANTY 5(A)

making of Tins, Boxes or Cans.
W050 WARRANTY 50(A)

(a) roof and ceiling work,
(b) clay-getting from any quarry or pit or clay mining,
(c) any work other than the paving and tiling of floors and interior walls to a height of not more than
8 feet from the floor.
W051 WARRANTY 51(A)

work other than the laying of parquet floors.
W052 WARRANTY 52(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with wire
drawing of any other metal than gold, platinum or silver.
W053 WARRANTY 53(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with wire
drawing of any metal other than gold, platinum, silver, brass or copper.
W055 WARRANTY 55(A)

(a) the construction of bridges exceeding or designed to exceed in any part when completed 20 ft. in
height from road or water level at low tide.
(b) the construction of bridges built of other material than brick, stone, timber or concrete.
W056 WARRANTY 56(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with pit
sinking or the construction, alteration or repair of chimney shaft.
W057 WARRANTY 57(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with shaft
or lift well sinking.
W058 WARRANTY 58(A)

castings exceeding 28 lbs. in weight.

Page 16 of 24
W059 WARRANTY 59(A)
sinking or digging of wells other than artesian or tube wells.
W006 WARRANTY 6(A)

delivery of goods whether by hand or otherwise.
W060 WARRANTY 60(A)

It is hereby understood and agreed that subject otherwise to the terms, exceptions and conditions of
the Certificate the indemnity herein granted is extended to cover the legal liability of the Participant to
workmen in the employment of Sub-Contractors performing work for the Participant while engaged in
the business and occupation in respect of which the within Certificate is granted, but only so far as
regards claims under:
The Workmen's Compensation Ordinance 1952 (Federation of Malaya)

The Workmen's Compensation Ordinance 1956 (Colony of Sarawak)
The Workmen's Compensation Ordinance 1955 (Colony of North Borneo)
including subsequent amendments to the said Ordinances and enactment passed prior to the date of
this endorsement.
W063 WARRANTY 63(A)

direct employment by the participant of acrobats, gymnasts, trapeze and tight-rope performers
exhibitors of performing animals and persons engaged in turns of an abnormally hazardous and
dangerous nature.
W064 WARRANTY 64(A)

on board ships.
W066 WARRANTY 66(A)

building or repair of railway coaches or railway wagons.
W067 WARRANTY 67(A)

Notwithstanding anything to the contrary contained in the within Certificate, the Participant undertakes
to make to the company within one month of the termination of each period of takaful, a declaration of
the maximum number of members of the club participant by the within Certificate during such period
of takaful if the total number so declared shall differ from the number in respect of which takaful
contribution has been paid, a proportionate additional takaful contribution shall be paid to or a
proportionate refund of contribution be made by the Company as the case may be.
W068 WARRANTY 68(A)

(a) quarrying or mining,
(b) loading, unloading, carting and all other operations, incidental to quarry work.
W069 WARRANTY 69(A)

fixing and rigging.
W007 WARRANTY 7(A)

carting or delivery of goods or livestock other than by hand or handcart.

Page 17 of 24
W070 WARRANTY 70(A)
involving blasting operations.
W071 WARRANTY 71(A)

(a) employees receiving from or delivering to vessels or employees on dock quayside or wharf,
(b) stevedores or lightermen.
W073 WARRANTY 73(A)

on buildings.
W074 WARRANTY 74
In consideration of the payment of an additional contribution it is hereby understood and agreed that
the within Certificate is extended to include employees occasionally employed by the Participant for
Domestic Servants in connection with:
1. his house or garden
2. stable, or
3. the motor car or motor cars owned by him.
For the purposes of this takaful the expression ''employees occasionally employed'' shall not be deemed
to include any person regularly employed for more than two days a week whether for the whole or part
of the day, or persons employed continuously for more than two months.
W076 WARRANTY 76
In consideration of contribution being paid on the total earnings of all employees not being workmen
within the meaning of the Law(s) set out in the Schedule. It is hereby agreed that the Company will not
in the event of any accident arising out of and in the course of employment to any such employee whilst
engaged in the service of the Participant as set forth in the said Schedule raise the defence that such
employee is not a workman within the meaning of the aforesaid Ordinance.
Subject otherwise to the terms and conditions of the within Certificate.
W077 WARRANTY 77
In consideration of Contribution being paid on the total earnings of the employees described in the
Schedule hereunder, not being workmen as defined in the Workmen’s Compensation Ordinance 1952,
Workmen’s Compensation (Amendment) Ordinance 1956, Workmen’s Compensation (Amendment)
Act 1976, Modification of Laws (Workmen’s Compensation) (Extension and Modification) Order 1981.
It is hereby agreed that the within Certificate is extended to indemnify the Participant in respect of his
liability at Common Law for accidents to such employees arising out of and in the course of employment.
Subject otherwise to the terms, conditions and exceptions of the within certificate.
Limit of Liability: RM1,000,000.00.
W078 WARRANTY 78(A)

racing pacemaking or speed trials.
W079 WARRANTY 79(A)

repair of Motor Cars.
W008 WARRANTY 8(A)

use of machinery driven by steam, gas, water, electricity or other mechanical power.

Page 18 of 24
W080 WARRANTY 80(A)
This Certificate does not indemnify the Participant in respect of any claim arising in connection with tree
felling or sawing or carting in connection therewith.
W081 WARRANTY 81(B)

The Company shall not be liable by virtue of this Certificate if at any time work is undertaken by the use
of stagings or slings.
W082 WARRANTY 82(A)

employees engaged in driving.
W083 WARRANTY 83(A)

(a) the construction, alteration or demolition of buildings,
(b) the construction or alteration of reservoirs filter beds or softening plants,
(c) the sinking or digging of wells,
(d) the use of explosives.
W084 WARRANTY 84(A)

travelling in aircraft.
W085 WARRANTY 85(A)

(a) the use of explosives,
(b) the making of sewers or other excavations exceeding in any part a depth of 10 ft. from the surface,
(c) tunnelling.
W086 WARRANTY 86(A)

(a) the use of explosives;
(b) quarrying;
(c) tunnelling.
W087 WARRANTY 87(A)

The Company shall not be liable by virtue of this Certificate if at any time the participant engaged in any
work other than making toilet soap by remelting and perfuming manufactured soap.
W088 WARRANTY 88(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with sign
erecting.
W089 WARRANTY 89(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with a
quarry worked by the Participant.
W009 WARRANTY 9
This Certificate does not indemnify the Participant in respect of any sea risk or in respect of any claim
arising in connection with the building of craft of other material than wood.
W090 WARRANTY 90(A)

It is hereby understood and agreed that if the duties of any employee at a Stone or Slate Dressing or
Stone breaking Yard occupied by the Participant take him at any time to a quarry worked by the
participant the total wages of any such employee shall be rated at the rate applicable to the quarrymen.

Page 19 of 24
W091 WARRANTY 91(A)
cartage of goods.
W092 WARRANTY 92(A)

This Certificate does not indemnify the Participant in respect of any claim arising in connection with wells
exceeding a depth of 20 ft. from the surface or in connection with the sinking or digging of wells other
than Artesian or Tube wells.
W094 WARRANTY 94(A)

churches, chapels, cinemas, exhibitions, music halls, public halls and theatres.
W095 WARRANTY 95
It is hereby understood and agreed that the following words are added to this Certificate:
“Where the contribution is based on the number of employees of the Participant, the Participant shall
furnish at expiration of each period of takaful a statement showing the total number of persons
employed during such period and shall pay to the Company any additional contribution due in respect
of the persons so employed".
W096 WARRANTY 96(A)

employment of professionals.
W097 WARRANTY 97(A)

fitting, installing, repairing, or testing away from the premises of the Participant.
CTAK CO-TAKAFUL CLAUSE

The Takaful/Insurance Companies hereby severally agree, each for their respective proportion or share
of participation set against its name, to indemnify the Participant/Insured by payment or at the option
of the Takaful/Insurance Companies by reinstatement, repair or replacement in accordance with the
terms, exclusions, exceptions and conditions hereunder or endorsed herein or contained in the
Certificate of Takaful/Insurance Policy.
Provided that:
1. The liability of the Takaful or Insurance Company(s) under this contract is several and not joint with
other Takaful or Insurance Company(s) being party to this contract. The Takaful or Insurance
Company(s) is liable only for the proportion of liability it has underwritten. The Takaful or Insurance
Company(s) is not jointly liable for the proportion of liability underwritten by any other Takaful or
Insurance Company(s) nor is a Takaful or Insurance Company(s) otherwise responsible for any
liability of any other Takaful or Insurance Company(s) that may underwrite this contract.
2. The liability of each of the Takaful/Insurance Company individually in respect of such loss shall be
limited to the proportion set against its name.
It is further agreed that the Follower Takaful/Insurance Companies shall be subject to and follow the
same intention, risks, terms, exclusions, exceptions, conditions, warranties, clauses, valuation,
amendments and or alteration of any description or any decisions as may be made by the Leader
Takaful/Insurance Company irrespective of any variation or difference in terminology under either the
Islamic Financial Services Act (IFSA) 2013 or the Financial Services Act (FSA) 2013 as the case may be or
as applicable thereof.
Notwithstanding that the Takaful/Insurance Companies hereby attest to the intention and meaning of
the Special Memorandum as lodged with them, the Leader shall be entitled to investigate, settle,
compromise, control, discharge or repudiate any claims and to institute, prosecute, defend, settle and
compromise any proceedings in respect of any risk and/or interest arising from this Certificate under the

Page 20 of 24
applicable provisions of either the IFSA 2013 or FSA 2013 or both as the case may be or as applicable
therefor.
To the extent the Leader is liable to pay under this Certificate to that extent the Follower shall follow the
fortunes of the Leader in all respects all loss or damage provided for by this Certificate.
Name of Leader and Follower(s) together with the Share of Participation are as per Schedule.
SPECIAL MEMORANDUM
The Special Memorandum serves to encapsulate the intentions and arrangements that were discussed
and agreed upon between the parties as per Schedule and with whom it shall be lodged with or without
altering, reducing or amending the rights and duties of each party under the Takaful Certificate or Co
Takaful Certificate No as stated in the Schedule issued or signed accordingly under the provisions of the
IFSA 2013 and/or FSA 2013.
It has been agreed that:

1. For the purpose of determining any liability to indemnify the Participant under a certificate of
Takaful including as prescribed by any endorsement attaching thereto, all parties shall primarily
refer to a certificate or conventional language as normally issued under the provisions of the IFSA
2013 or FSA 2013 and signed on by all company for their respective share of participation of such
liability, all loss or damage provided for by this Certificate.
2. For the purpose of determining any entitlement under Cash Back to the favour of the Participant,
the Co Takaful Certificate/s and any attachment thereto issued by Syarikat Takaful Malaysia Am
Berhad (STMAB) shall be referred to and it is hereby understood that the rate of Cash Back returns
shall be proportionate to the Co Takaful share of participation.
3. In as far the required presence of representatives of the company is concerned, in particular for
meetings with the Participant or its representative or for any other official occasion or functions
related to matter of Takaful, STMAB may be called upon to act as the spokesperson without
prejudice to the rights and duties of each Takaful Operator.
4. The Leader shall perform its obligations as prescribed under the CoTakaful Clause and shall be
entitled to conduct an annual inspection or survey relating to risk management for and on behalf
of all Followers for their own rightful purpose or for the benefit of the Participant.
5. The Leader and Follower shall agree to nominate an internationally recognised and licensed loss
adjuster or panel of such loss adjusters which is/are acceptable to the Participant.
6. Notwithstanding the above arrangement, the Broker (as named in the Schedule) shall retain its
rights and perform its duties as the appointed Takaful Broker for the Participant.
Provided that all arrangements as set hereon or herewith are not against the provisions of any acts of
law in Malaysia or guidelines or regulations that may be prescribed or to be prescribed from time to
time by the Malaysian Authorities.

Page 21 of 24
ADDITIONAL CONDITIONS
1. DISTRIBUTION OF SURPLUS
50% of the distributable surplus arising from the GTF as determined by us will be distributed to eligible
participants in the form of cash back. We will receive 50% of the distributable surplus as performance
incentive based on Ju’alah.
2. CASH BACK
Your entitlement to the Cash Back is subject to the following terms and conditions:
 no claim has been made during the current period of takaful; and
 no benefit has been received during the current period of takaful.
The Cash Back amount will be paid directly to Your bank account. The Cash Back is only payable/claimable
up to six (6) months from the declaration date. Thereafter, Your entitlement to the said Cash Back shall
immediately be forfeited and such Cash Back amount will be credited to the GTF by Us. The Cash Back is
not guaranteed and will be based on the actual claims experience and fund performance.
3. WAKALAH FEE
The Wakalah Fee chargeable under this Certificate is 70% of the Contribution. The Wakalah Fee will be deducted
upfront upon payment of the Contribution.
4. TREATMENT OF SMALL PAYMENT AMOUNTS
For any amount due and payable to Participant resulting from refund/surrender/maturity/ termination/claim
that is to be made other than by way of electronic payment, such payment will only be made if the amount due
and payable is Ringgit Malaysia Ten (RM10.00) and above. For any amount less than Ringgit Malaysia Ten
(RM10.00), the company will donate to charity.

Page 22 of 24
ENQUIRIES/COMPLAINTS AND CLAIM APPEAL
1. ENQUIRIES /COMPLAINTS HANDLING
If the Participant has any enquiry or complaint pertaining to any matter related to the certificate, the
Participant may refer to the Company’s Customer Service Unit (CSU) at:
Customer Service Unit (CSU)

Syarikat Takaful Malaysia Am Berhad
Menara Takaful Malaysia
No. 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur
P.O. Box 11483, 50746 Kuala Lumpur
Tel: 1-300 88 252 385 Fax: 603 - 2274 0237
Email: csu@takaful-malaysia.com.my
Website: takaful-malaysia.com.my
2. AVENUE OF CLAIM APPEAL
If the Participant needs further clarification or not satisfied with the Company’s claim decision, please
contact the Company’s Customer Service Centre at 1-300-88-252-385 or email to the Company at
csu@takaful-malaysia.com.my and the Company will provide its response accordingly. For appeal
cases, the Company will escalate the same to the Company’s senior management for review and
provide their response once the Participant’s appeal has been decided / concluded by the Company.
In the event that the Participant is not satisfied with the final decision with regard to his/her appeal,
the Participant may refer the case either to the Ombudsman for Financial Services (OFS) or to
BNMTELELINK, Bank Negara Malaysia (BNM) at the following addresses within six (6) months from the
Company’s decision.
Ombudsman for Financial Services (664393P)

Level 14, Main Block, Menara Takaful Malaysia
No. 4, Jalan Sultan Sulaiman
50000 Kuala Lumpur
Tel: 603 2272 2811
Fax: 603 2272 1577
Email: enquiry@ofs.org.my
Website: www.ofs.org.my
BNM Laman Informasi Nasihat dan Khidmat (LINK)

Ground Floor, Blok D, Bank Negara Malaysia
Jalan Dato’ Onn
50480 Kuala Lumpur
Tel: 1-300-88-5465 (LINK)
Fax: 03-2174 1515
Email: bnmtelelink@bnm.gov.my

Page 23 of 24
DEFINITION OF WORDS HIGHLIGHTED IN THE CERTIFICATE
1. The Company refers to SYARIKAT TAKAFUL MALAYSIA AM BERHAD.
2. General Takaful Fund or GTF

This refers to a fund established to pool a portion of contributions paid by participants, on the basis of
Tabarru’ for the purpose of meeting claims associated with events or risks specified in this Certificate.
This fund is collectively owned by the pool of participants.
3. Ju’alah
This refers to a contract where a party offers a specified reward to another party who achieved a
determined result. Under this Certificate, the Participant allows the Company to receive a portion of
distributable surplus arising from the GTF as performance incentive for the Company’s achievement in
managing the GTF which results in the surplus.
4. Qard
This refers to a contract of lending money by a lender to a borrower where the latter is bound to repay
an equivalent replacement amount to the lender. Under this Certificate, We will lend an amount of
money to the GTF without interest if the GTF is in deficit.
5. Tabarru’
This refers to a donation for charitable purposes. Under this Certificate, the Participant donates a portion
of the Contribution to the GTF based on Tabarru’ to help other participants. Tabarru’ takes into effect
when the Participant contributes to the GTF.
6. Takaful
This refers to a mutual assistance scheme based on the principles of brotherhood, solidarity and
cooperation where each participant agrees to contribute a sum(s) of money on the basis of Tabarru’ into
a common fund to provide financial assistance payable to the participant on the occurrence of pre-
defined events.
7. Wakalah
This refers to a contract where a party, as principal authorizes another party as his agent to perform a
particular task on matters that may be delegated, with or without the imposition of a fee. Under this
Certificate, the Participant authorizes the Company to manage the GTF based on Wakalah and in return,
the Company will receive a Wakalah fee.

Page 24 of 24

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CERTIFICATE FOR

Workmen’s Compensation Takaful

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

11. TERMINATION OF THIS CERTIFICATE

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

13. CUSTOMER SERVICE CHARTER

14. DUTY OF DISCLOSURE

2. TAKAFUL CONTRIBUTION WARRANTY

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

Subject otherwise to the terms and conditions of this Certificate.

3. DATE RECOGNITION CLAUSE

Subject otherwise to the terms and conditions of the Certificate.

4. SANCTIONS EXCLUSION CLAUSE

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

6. COMPLIANCE TO PROPERTY IN ACCORDANCE TO SHARIAH CLAUSE

Subject otherwise to the terms and conditions of the Certificate.

7. PERSONAL DATA PROTECTION ACT 2010 (PDPA 2010)

9. DEFICIENCY & LOSS RECTIFICATION

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

C006 ENDORSEMENT "A" & "B"

Subject otherwise to the terms, exceptions and conditions of this Certificate.

C009 CONTRACTORS AND SUB-CONTRACTORS

Subject otherwise to the terms, exceptions and conditions of the Certificate.

W010 WARRANTY 10(A)

W100 WARRANTY 100(A)

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

W102 WARRANTY 102(A)

W103 WARRANTY 103(A)

W011 WARRANTY 11(A)

W111 WARRANTY 111(A)

W113 WARRANTY 113(A)

W114 WARRANTY 114(A)

W115 WARRANTY 115(A)

W117 WARRANTY 117(A)

W012 WARRANTY 12(A)

W013 WARRANTY 13(A)

W014 WARRANTY 14(A)

W015 WARRANTY 15(A)

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

W016 WARRANTY 16(A)

W162 WARRANTY 162(A)

W166 WARRANTY 166(A)

W169 WARRANTY 169(A)

W017 WARRANTY 17(A)

W171 WARRANTY 171(A)

W172 WARRANTY 172(A)

STMAB/Workmen’s Compensation Takaful /V1.0(E)/07-2020

W174 WARRANTY 174(A)

W175 WARRANTY 175(A)

W176 WARRANTY 176(A)

W177 WARRANTY 177(A)

W179 WARRANTY 179(A)

W180 WARRANTY 180(A)

W181 WARRANTY 181(A)

W182 WARRANTY 182(A)

W183 WARRANTY 183(A)