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1. a. The impact of COVID-19 pandemic towards Takaful industry.

1.1. 1. Takaful operators will also have to grapple with the increased volatility and rising credit risks of their investments.

1.2. 2. Family takaful new business contributions grew 25% to RM6.2 bil in 2019 (2018: +13%), mainly driven by the MySalam initiative – the national health protection scheme

1.3. 3. the strong capitalisation levels of both the family and general takaful industries should be able to buttress the impact of the interim adversity.

1.4. 4. 4.according to international rating agency Fitch Ratings, there are signs that takaful is finally making inroads in a market that ought to be its natural financial habitat

1.5. 5. : Syarikat Takaful Malaysia Keluarga Bhd's net profit fell 7.24% year-on-year to RM75.09 million for the second quarter ended June 30, 2020 (2QFY20), from RM80.95 million last year, mainly due to lower sales generated by family takaful business.

1.6. 6. Family takaful business recorded gross earned contributions of RM275.78 million for 2QFY20, 40.64% lower compared with RM464.56 million for the same quarter last year, mainly due to lower sales from credit-related products as the business activities were impacted by the Movement Control Order (MCO) and the Conditional Movement Control Order (CMCO) arising from the Covid-19 pandemic

1.7. 7. the general takaful business generated gross earned contributions of RM162.8 million, a 2.05% decline from RM166.2 million for 2QFY19, mainly due to the fire class as the business activities were impacted by the MCO and CMCO arising from the Covid-19 pandemic.

2. . Bank Negara Malaysia measures in Takaful industry to address the COVID-19 impact.

2.1. Kemudahan Bantuan dan Pemulihan Bersasar (TRRF)

2.2. Kemudahan Teknologi Tinggi (HTF)

2.3. Kemudahan Perusahaan Mikro (MEF)

3. Takaful certificate which covers the pandemic.

3.1. Covid-19 Relief Program on deferment of contribution payment

3.2. - Penangguhan Pembayaran Caruman