Empower Your Legacy with Hibah

A Thoughtful Way to Transfer Wealth

Make a meaningful and lasting impact by gifting your wealth through Hibah. A simple, secure, and Shariah-compliant way to pass on your assets to your loved ones without the complexities of inheritance.

About Our Hibah Plan

Hibah is a voluntary, Shariah-compliant gift that allows you to transfer assets or wealth to someone you care about during your lifetime. Whether it’s for family, friends, or a charitable cause, Hibah ensures that your intentions are honored with transparency and legal protection. Unlike inheritance, Hibah allows for immediate distribution of your wealth without the complications of wills or probate processes.

Why Choose Hibah with Us?

We understand the significance of ensuring your wealth reaches the right people. Our Hibah service is designed to be simple, secure, and fully compliant with Shariah law. With us, you get:

How Does Hibah Work?

Hibah is a simple and transparent process. Here’s how it works:

1.

2.

3.

4. Our Hibah Plan Benefit

The Company reserves the right to revise premiums and policy terms in accordance with applicable regulations. Our Hibah plan offers a simple, secure, and Shariah-compliant way to transfer your wealth. With our plan, you can ensure that your assets are passed on to your loved ones according to your wishes, without the delays of probate. It provides peace of mind knowing your gift is legally binding and fully protected, with no complexities or hidden fees.

Benefits	SureProtect Essential	SureProtect Ultra	SureProtect Elite	SureProtect Titan
Death/Total Permanent Disablement - Natural	RM40,000	RM60,000	RM80,000	RM100,000
Death/Total Permanent Disablement - Accidental	RM80,000	RM120,000	RM160,000	RM200,000
Funeral Expenses	RM1,000	RM1,000	RM1,000	RM1,000
Monthly Contribution	RM39.00	RM49.00	RM59.00	RM69.00

Terms & Conditions:

Participation is open to Malaysian citizens only.
Entry age ranges from 30 days to 65 years old. Applicants aged between 30 days and 18 years old must be enrolled together with their parent or legal guardian.
A waiting period of twelve 12 months applies to any claim arising from a pre existing condition, as determined by the Company based on medical history and underwriting assessment.
No waiting period applies to accidental death or accidental total permanent disablement, provided the event is not related to a pre existing condition.
The maximum subscription allowed is two units per individual.
Total Permanent Disablement is defined in accordance with the policy contract and the Company’s assessment guidelines
All benefits are subject to policy terms, conditions, definitions, limitations, and exclusions as stated in the official policy contract.
This plan is issued on a one year renewable basis and renewal is subject to the Company’s prevailing terms, conditions, and underwriting requirements at the time of renewal.
The Company reserves the right to revise premiums and policy terms in accordance with applicable regulations.

Secure Your Loved Ones’ Future with Hibah

Take the first step towards securing your wealth for your loved ones. Start the process today and ensure your assets are passed on with ease, transparency, and in full alignment with your wishes.

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Jenis Sebut Harga

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No. Kad Pengenalan

Race

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Weight (kg):

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Nama Nominee

Nombor IC

Alamat Nominee

Street Address Address Line 2 City State Postcode Country

Jika Travel dengan Partner (beri info semua yang travel)

Nama

Nombor IC

Alamat

Street Address Address Line 2 City State Postcode Country

Nama Nominee

Nombor IC

Alamat Nominee

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Smoker / Non Smoker

Maklumat Lain - Sila jawab samada Ya atau Tidak sahaja

Dalam tempoh 2 tahun yang lepas, adakah anda pernah berjumpa pakar, dimasukkan ke hospital, menjalani pembedahan, menjalani ujian diagnostik dengan keputusan yang tidak normal atau dinasihatkan untuk menjalani mana-mana perkara ini pada masa hadapan?

Tidak

Adakah anda pernah menerima diagnosis atau menunjukkan simptom seperti: Kanser atau tumor; Serangan jantung atau sakit dada; Tekanan darah tinggi, strok, atau diabetes; Hepatitis B atau C; HIV atau AIDS; Sebarang gangguan mental atau saraf; Penyalahgunaan alkohol atau dadah; Gangguan hati, paru-paru, buah pinggang, usus, saraf, atau muskuloskeletal; Sebarang penyakit serius yang lain?

Tidak

Adakah permohonan insurans/takaful anda pernah ditolak?

Tidak

Adakah anda pernah mengalami kecederaan serius (tidak termasuk luka kecil, lebam, calar, dan gigitan serangga) yang memerlukan kemasukan ke hospital atau tempoh pemulihan yang lama di rumah?

Tidak

Emergency Contact

Nama Per IC

Contact No

Relationship

Sila pastikan maklumat ini adalah selain dari penama di atas

Mod Bayaran

Harga Caruman (Mediplan Coop)

Bulanan (RM90)

Tahunan (RM1,080)

Harga Caruman (Senior Care Plan Gold 270):

Bulanan (RM150 + Commitment Fee RM150)

3 Bulan (RM450)

6 Bulan (RM900)

Tahunan (RM1800)

Harga Caruman (Senior Care Plan Diamond 370):

Bulanan (RM210 + Commitment Fee RM210)

3 Bulan (RM630)

6 Bulan (RM1260)

Tahunan (RM2520)

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Jenis Kad Medikal pilihan(Required)

e-Medical Card

e-Medical Card & Fizikal Medical Card dengan fungsi NFC Touch n Go (RRP RM34.90)

Maklumat Penerima Hibah

Nama Penuh Penerima

NRIC Penerima

Hubungan dengan Penerima

Rekod Kesihatan

Penyakit, Pengambilan Ubat, Sejarah Kemasukan Wad

Tidak

Jika Ya, Nyatakan Penyakit Sedia Ada

Maklumat Lain

Pilihan Pelan

Kekerapan Pembayaran (Bulanan/Tahunan)

Bulanan

Tahunan

Untuk Tujuan Claim

No akaun Bank

Nama Bank

No. Plat

Model Kenderaan

Roadtax

Postcode

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1. Maklumat Asas Kumpulan yang Dilindungi

Nama Syarikat atau Organisasi

Bilangan Individu dalam Kumpulan

Skop Pekerjaan/Perniagaan

untuk menentukan tahap risiko pekerjaan

Lokasi Operasi

Contoh: pejabat, tapak pembinaan, atau lokasi antarabangsa

2. Maklumat Individu yang Dilindungi

Senarai Individu

Nama

Jantina

Umur

Gaji Bulanan atau Tahunan

Kewarganegaraan

3. Jenis Perlindungan yang Diminta

Jumlah Perlindungan Yang Diperlukan

Tambahan Faedah seperti

Trauma Counseling

Ambulance Fees

Hospital Income

Funeral Expenses

4. Maklumat Tambahan

Anggaran Bajet Syarikat (jika ada)

Adakah ada perlindungan semasa yang sedang digunakan?

Ada

Tidak Ada

Jenis pekerjaan yang berisiko tinggi

Tidak

(contoh: kerja ketinggian, pengendalian mesin berat, dll).

Pilih Jenis Pakej

Contractor All Risk1. Apakah Produk Kontraktor All Risk? Polisi ini direka untuk memenuhi keperluan insurans ditetapkan kepada kontraktor di bawah syarat kontrak. Polisi ini melindungi perjalanan kerja berkaitan dengan kontrak, kerja-kerja sementara, bahan-bahan, peralatan jentera yang digunakan ditapak binaan dan liabiliti yang terbit semasa perlaksanaan kontrak tersebut. Dengan tambahan premium, perlindungan polisi boleh diperluaskan meliputi loji dan peralatan pembinaan, pembuangan puing, fi professional dan harta berlokasi di premis prinsipal.2. Apakah Perlindungan/Manfaat Yang Disediakan? ● Seksyen 1 - Kerosakan Bahan Ia melindungi hampir kesemua barang kepada sebarang kemungkinan kerugian fizikal atau kerosakan berkaitan (kecuali yang telah dinyatakan dalam pengecualian polisi) kepada kerja tersebut/ harta benda / barangan yang telah diinsurans, semasa tempoh insurans● Seksyen 2 - Liabiliti Pihak Ketiga Seksyen ini mengambil kira liabiliti pihak ketiga yang mana secara tidak langsung sah dibayar akibat kerosakan tersebut di mana kami perlu bayar mengikut undang-undang pampasan akibat dari: (i) Kecederaan dan kesakitan badan akibat kemalangan kepada pihak ketiga (ii) Kehilangan atau kerosakan pada harta kepunyaan pihak ketiga. Tempoh perlindungan adalah berpadanan dengan tempoh perjanjian yang mana dinyatakan di dalam Surat Penganugerahan.3. Berapakah Premium Yang Saya Perlu Bayar? Jumlah premium yang anda perlu bayar adalah berbeza bergantung kepada risiko pendedahan dan keperluan pengunderaitan pihak kami :

Workmens Compensation1. Apakah Produk ini? Polisi ini melindungi anda sebagai seorang majikan berhubung dengan liability undang-undang anda di bawah Akta Pampasan Pekerja dan juga Common Law terhadap pekerja-pekerja anda yang biasanya tidak terlindung oleh SOCSO.2. Apakah perlindungan / manfaat yang disediakan? Polisi ini menanggung rugi anda terhadap semua jumlah yang harus tanggung untuk membayar pampasan kepada manamana pekerja ke atas kecederaan diri yang berpunca daripada kemalangan atau penyakit pekerjaan yang timbul dan di dalam tempoh penggajiannya di bawah:• Akta Pampasan Pekerja 1952 dan pindaan seterusnya pada Akta tersebut atau • Common Law. Had Common Law yang standard ialah RM1,000,000 setiap kemalangan dan dalam aggregate.Tempoh perlindungan ialah selama setahun (kecuali risiko projek). Anda dikehendaki membaharui polisi insurans anda setiap tahun.3. Dalam keadaan bagaimanakah saya perlu menanggung liabiliti? Anda perlu menanggung liabiliti ke atas: • Kecuaian peribadi • Gagal menyediakan tempat bekerja dan sistem bekerja yang selamat • Gagal memberi perhatian yang munasabah dalam pengambilan pekerja yang mahir • Gagal menyediakan mesin yang sesuai dan memastikan ia berfungsi dengan baik4. Bolehkah pekerja itu menyaman di luar Malaysia? Tidak, polisi ini adalah tertakluk kepada kuasa undang-undang Malaysia sahaja.5. Berapakah premium yang saya perlu bayar? Jumlah premium yang anda perlu bayar adalah berbeza bergantung kepada keperluan pengunderaitan pihak kami dan jumlah pembayaran gaji/upah tahunan yang anda isytiharkan kepada pihak kami.

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Empower Your Legacy with Hibah

A Thoughtful Way to Transfer Wealth

About Our Hibah Plan

Shariah-compliant

Peace of Mind

No Probate Hassles

Why Choose Hibah with Us?

Expert Guidance

Hassle-Free Process

Complete Legal Protection

How Does Hibah Work?

1.

Consultation

2.

Agreement

3.

Execution

4.

Complete

Our Hibah Plan Benefit

Terms & Conditions:

Secure Your Loved Ones’ Future with Hibah

Bonus Pelanggan

KOPERASI KUMPULAN KH BERHAD

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