How can you and your family benefit from Hajj by Proxy service?

This service is offered to all Muslim participants who participate in HLTM Takaful schemes.

With Hajj by Proxy , HLTM Takaful Muslim Participants are able to fulfil part of the Five Pillars of Islam duties in the event of Death or TPD.

How Hajj by Proxy is executed?

This hallmark initiative service will be managed by TH Travel & Services Sdn Bhd, a wholly owned subsidiary of Lembaga Tabung Haji in appointing the qualified person to perform Hajj on behalf of HLTM Takaful's participant.

In the event of Death or TPD, a sum of RM 2500.00 shall be deducted from the benefit payable to the Nominee for payment of Hajj by Proxy to TH Travel & Services Sdn Bhd.

TH Travel & Services Sdn. Bhd. shall appoint a qualified person to perform Hajj by Proxy service on behalf of HLTM Takaful's participant. Hajj by Proxy shall be executed during Hajj season in accordance with the queue list.

Is the benefit payable subject to Islamic Law of Inheritance (Faraid)?

The benefit payable is not subject to Islamic Law of Inheritance (Faraid) until the Participant's Nominee has settled all debts, funeral observances, zakat and any requirements set by the Shariah. Any balance shall then be under the Islamic Law of Inheritance (Faraid)

What happens if the Nominee refuses to discharge the payment for Hajj by Proxy?

Consent given by the Nominee in the form is a binding contract under Malaysian Contract Act 1950 and must be observed. Failure to observe may be subject to breach of contract for non-performance of contract.

What does the Participant/Next-of-Kin receive?

The Participant/Next-of-Kin shall receive a certificate from TH Travel & Services Sdn. Bhd. as prove the Hajj by Proxy has been performed on behalf of the participant.