Only Pay RM28 a Year, Get RM12,000 Cover?
April 19, 2026
Do you have a Tabung Haji (TH) account? Did you know that TH has a Tabung Haji death charity product that many depositors don’t know about, even though it has many benefits?
Only pay RM28 a year, your heirs are protected with RM12,000.
And if you want to increase it further, the protection can go up to RM48,000, even RM96,000 if you die while performing Hajj!
Huh, surprise?
This thing went viral on Threads and social media recently, so if you want to know more, let’s keep reading until the end!
Many people do not know about the existence of TH Khairat?
If you always scroll through Threads or TikTok and Facebook, you’ll see posts about the benefits of Tabung Haji’s death that have gone viral recently.
Although TH Khairat has been introduced for a long time (since 2024), the reality is that not all TH depositors are ‘aware’ about this thing.
Many people save money in Tabung Haji, but don’t even know there is a protection product like this.
TH Khairat is a voluntary takaful plan offered by Tabung Haji to their depositors.
This product is not a normal takaful product. It is based on the Shariah-compliant Takaful concept and has been approved by the TH Shariah Advisory Committee itself.
In simple language: you pay a small amount every year, and if something bad happens – be it death or permanent disability – your family has money to cover immediate needs.
The best thing about the Tabung Haji death charity? The subscription fee is very affordable, which is as low as RM28 per year for RM12,000 coverage. Spending for a cup of coffee is even more expensive than that.
Also read:
TH Khairat: Terms, How to Register & Benefits Offered
How to Open a Tabung Haji (TH) Account for Children / Adults
Tabung Haj Savings: Ways & Withdrawal Limits
RM28 a year, get RM12,000 protection, if you pay more, it can go up to RM48,000!
Okay, this is the part that many TH depositors don’t know the details about.
Let’s break it down so you can easily understand:
Basic Protection
This is what you get for RM28:
- One certificate = RM12,000 protection
- Subscription fee = RM28 per year (less than RM2.40 per month!)
Cheap, right? Imagine the small value you pay every year (RM28), will give great meaning to the family left behind later. This RM12,000 means a lot to your heirs if anything happens to you, including please pay the debts you left behind (if any).
And the best? Coverage can go up to more than RM12,000.
How Can Coverage Go Up to RM48,000?
Each TH depositor can register up to 4 certificates: two with Syarikat Takaful Malaysia Keluarga Berhad (STMKB) and two more with Hong Leong MSIG Takaful (HLMT).
If registering 4 certificates:
| Certificate | Subscription/Year | Benefit |
|---|---|---|
| STMKB Certificate 1 | RM28 | RM12,000 |
| STMKB Certificate 2 | RM28 | RM12,000 |
| HLMT Certificate 1 | RM28 | RM12,000 |
| HLMT Certificate 2 | RM28 | RM12,000 |
| AMOUNT | RM112/year | RM48,000 |
RM112 a year to get RM48,000 protection. Easy to calculate, you only need to pay RM9.33 per month for these 4 certificates.
There is no compulsion, you can start with RM28 for one certificate, and you can scale up according to your ability.
But wait, there’s another bonus!
If the depositor dies while performing Hajj in the Holy Land (hajj season), benefits are paid TWICE:
- 1 certificate → RM12,000 so RM24,000
- 2 certificates → RM24,000 so RM48,000
- 3 certificates → RM36,000 so RM72,000
- 4 certificates → RM48,000 so RM96,000
This is one of the reasons why Tabung Haji’s death charity is trending on social media.
Many people share their awareness about TH Khairat, some share their experience of benefiting from this, and even some who do not know about this are interested in starting to get TH Khairat.
Many people are confused about the age limit for registering TH Khairat
In the viral post on Threads, many people asked in the comments about the age limit, “can it be done if you are over 60?”, “can a small child register?” So we answer all these questions once and for all.
Who is Eligible to Register?
TH Khairat is open to all Tabung Haji depositors who are of age 30 days to 65 years (before 65th birthday).
- 18 years and above: Can register yourself through the THiJARI app or website.
- Under 18 years: Must be registered by the parent or guardian who manages the Custodial Account.
Answers to viral questions in the comments: Yes, as long as you are not yet 65 years old, you can still register and get coverage!
Trending nowSKAS Appeal – Conditions, Dates & ApplicationBut if 65 years have passed (nothing happens: death or permanent disability), the certificate will be automatically terminated and the premium will not be returned.
Subscription payments made while the certificate is still active will be collected by the Takaful operator as a donation in a special fund. This fund is used to help other participants in need, as mutually agreed upon through the Tabarru’ contract.
Registration Terms
- Must have a Tabung Haji (TH) account.
- Age in the range of 30 days to 65 years.
- TH account balance of at least RM100 for annual registration and renewal.
How to register?
Registration is made 100% online via:
Each transaction = one certificate. So if you want to register 4 certificates, you have to make 4 transactions.
How Are Payments Made?
Premium RM28 will be automatically debited from your TH account every year. No need to set notes to pay manually. But, the condition is, make sure the balance in your TH account is always RM100 or more, because if it’s less, the certificate will expire on its own.
There is an Infaq bonus, even charity can be made in the name of the deceased
In addition to the protection benefits for the heirs that many netizens on Threads share, the most important thing that people don’t know is about the infaq contribution.
In this Tabung Haji death charity product, there is a special option for depositors which is Infaq.
From the RM12,000 cover amount per certificate, the depositor can choose to donate RM2,000 as Infaq to a charitable organization appointed by the Takaful Operator, in the name of the deceased.
So the beneficiary will receive RM10,000 (not RM12,000), but the RM2,000 will be channeled for Islamic welfare purposes.
Among the welfare organizations involved:
Via STMKB:
- Charity House
- Maghfirah Foundation
Via HLMT:
- Malaysian Waqf Foundation
- Islamic Religious Council of the Federal Territory
- Kedah Islamic Religious Council
- Islamic Religious Council of Kelantan
- Awqaf Holdings Berhad
- Waqaf An-Nur
For those who understand the concept of charitable giving, this is a golden opportunity for depositors, at the same time the family can make sure that mom or dad has a practice that continues even after they are gone.
Among the important things that many people don’t ask in the comments on the viral post, but you need to know before registering for Tabung Haji’s death charity:
- There is no waiting period for death/disability as a result accident: direct claims can be made
- 3 months waiting period for death/disability due to cause natural (disease)
Meaning, if you just registered last week and died due to illness, the heirs cannot claim, and no claim will be paid. But if it is due to an accident, the heirs are still eligible to make a claim.
Here’s How to Make a Claim
- Beneficiaries need to log in to the THiJARI web/app.
- Download the relevant Takaful Operator claim form.
- Send the (completed) form directly to the Takaful Operator.
- The payment will be credited to the beneficiary’s TH account within 30 days.
Who Can Be Beneficiary?
- Anyone you want to name.
- But the condition must be have a TH account And aged 18 years and above.
- Claims can only be made just once for each certificate.
Interested? Let’s Register!
If you have a Tabung Haji account and have not registered for this Tabung Haji death charity, you have missed one of the most affordable protection plans available in Malaysia.
RM28 a year is not a great value, but the benefit left for the family (imagine the value of RM12,000 up to RM48,000), or double to RM96,000 if you die during Hajj, is invaluable to your heirs.
Especially in the current challenging economy, financial preparation for the family is not an option, but a responsibility.
What many people don’t realize: Every year there are TH depositors who reach the age of 65 and their protection ends just like that – without them having time to take advantage. Don’t be one of those who regret later.
Get started now! It takes less than 5 minutes for you to register through the THiJARI app.
Easy steps to register TH Khairat today:
- Open the THiJARI app or visit thijari.com.my
- Log in with your TH account
- Select the TH Khairat menu and select Takaful Operator
- Complete registration – payment of RM28 will be debited from TH account
- The Takaful certificate will be sent to your email
For further questions, contact:
- +603-6207 1919 (Tabung Haji Contact Centre)
- [email protected]
- Monday–Sunday, 8am–6:30pm (except KL public holidays)
Share this article with your family and friends who have a TH account, maybe they don’t even know about this benefit!
Note: The information in this article is based on Tabung Haji official information. Please check the official website tabunghaji.gov.my or contact THCC for the latest information.
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