Create your account

By creating an account, you agree to our T&C.

Free Practice Test 20 questions unlocked

Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) Free Practice Test

Start the free 20-question practice set now. Use the study menu to explore previews or find the full study tools.

This general takaful route combines Part A with Part B. Confirm the current paper format, duration and pass requirements with MTA before booking. Passing does not replace operator appointment and MTA registration.

Free practice set

No account required for the first unlocked questions.

Question 1 of 200/0 correct
What is the foundation of a general takaful participant risk arrangement?

Study System

Everything sits beside the practice test.

View plans

Exam-style bank

Full question sets with clear explanations after each attempt.

Smart review

Spaced repetition keeps weak concepts coming back at the right time.

Flashcards

Active-recall cards for quick revision between practice sessions.

Mind maps

Visual topic maps show how the syllabus fits together.

Timed mocks

Practice under real exam pressure before test day.

Access support

Your study workflow stays in one place across devices.

Learn a concept. Then put it to work.

One complete free lesson for Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B). No account or payment needed.

Average Clause: A Small Loss Can Still Be Shared

Apply a stipulated property average clause before an excess, explain the participant's retained share, and test why a loss below the sum covered can still be reduced.

Read the lesson transcript

The loss is below the cover: why is payment lower?

A fictional warehouse holds property valued at eight hundred thousand ringgit on the valuation basis required by its fire takaful certificate. The sum covered is six hundred thousand, and a covered fire causes two hundred thousand of eligible damage. Assume a proportional average clause applies, followed by a ten thousand ringgit excess, with no other adjustments. The owner expects the full loss because it is below the sum covered. This general takaful case tests why that reasoning is incomplete.

Compare cover with the whole value at risk

Average compares the sum covered with the total relevant value at risk, not just with the damaged portion. Here six hundred thousand divided by eight hundred thousand is seventy five percent. Under the stipulated clause, that proportion determines the scheme's share of the eligible loss before the excess. The remaining twenty five percent reflects the participant's underinsured share. Establish that the clause applies and use its required valuation basis; do not assume every certificate uses an identical formula.

Apply average before the stipulated excess

Multiply the two hundred thousand eligible loss by seventy five percent. The result is one hundred fifty thousand ringgit before excess. Now subtract the stipulated ten thousand excess, leaving one hundred forty thousand payable. The participant bears sixty thousand of the original loss: fifty thousand from proportional underinsurance and another ten thousand excess. We apply that order because the example expressly states it. In a real claim, read the certificate for the actual sequence, limits and other adjustments.

The exam trap: use the damaged value as the denominator

A common mistake divides the sum covered by the two hundred thousand loss, concludes there is ample cover and skips average. That substitutes the claim amount for the total value at risk. Another error subtracts the excess twice when explaining the participant's share. Keep three quantities separate: the property valuation, the eligible damage and the contractual cost-sharing adjustments. An average reduction is not evidence that the fire was excluded, and it does not mean the risk fund can refuse every claim.

Mini-check: reduce only the sum covered

Change only the sum covered to four hundred thousand ringgit. The value at risk remains eight hundred thousand, the eligible loss two hundred thousand and the excess ten thousand. What is payable under the same stipulated sequence? The covered proportion is now fifty percent. Average reduces the eligible loss to one hundred thousand, then the excess leaves ninety thousand ringgit. The loss did not increase, but the participant retained more of it because the proportion covered fell.

Use the valuation-to-settlement sequence

For the next general takaful claim, first confirm a covered event and eligible loss. Then check the valuation basis, adequacy of the sum covered and whether average applies. Apply the certificate's stated sharing, excess and limits in the correct order, recording each step. Explain the result before renewal so customers understand why accurate valuations matter throughout the cover period. This connects general principles, fire takaful and claims handling in Part B without treating one simplified example as universal certificate wording.

In this lesson

  1. 1.The loss is below the cover: why is payment lower?
  2. 2.Compare cover with the whole value at risk
  3. 3.Apply average before the stipulated excess
  4. 4.The exam trap: use the damaged value as the denominator
  5. 5.Mini-check: reduce only the sum covered
  6. 6.Use the valuation-to-settlement sequence

Aligned to the Official programme syllabus. Independent teaching with original examples; this focused lesson does not cover the entire syllabus.

Exam Syllabus

Core Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) topics

01

Shariah Contracts and General Takaful Models

Tabarru and mutual assistance | Wakalah fees | Mudarabah investment sharing | Prohibited elements

02

Takaful Risk Management and Governance

Participant risk fund | Risk identification | Shariah oversight | Retakaful and qard

03

Medical and Health Takaful Basics

Medical limits | Exclusions | Deductibles and coinsurance | Cashless admission

04

Motor Takaful

Third-party liability | Own damage | Permitted use | Excess and claims

05

Fire Marine and Liability Takaful

Property indemnity | Average clauses | Marine cargo | Liability cover

06

General Takaful Claims and Agent Conduct

Loss mitigation | Subrogation and contribution | Agent authority | Fair customer treatment

Free Bonus Preview

Mind map and flashcards are ready to preview.

Interactive study mind map

Explore the complete syllabus mind map for free.

Interactive study mind map

Study flashcards

All 20 revision flashcards are free to use here.

Study flashcards

Unlock Here

Choose Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) access

No need to find this exam again on pricing. Checkout opens with this module already selected.

From RM 1.92/day

Selected

Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) · 90 Days · RM 4.43/day

Instantly unlock the full bank, flashcards, mind map, mocks, and progress tools after payment.

Study dashboard preview

Your next step with MASExam

FAQ

Common questions about Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B)

Can I try Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) without an account or payment?

Yes. Start the 20-question practice set directly on this page, without creating an account or entering card details. Use it to explore the question format and explanations before deciding whether you need the full Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) study tools. Opening the free set does not start a paid subscription.

What is included in the free practice experience?

Use 20 free Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) questions with explanations, all 20 revision flashcards and the complete syllabus mind map. Paid access adds the full 40-question bank and account-based study tools for this qualification.

How should I use the questions and answer explanations?

Try each question before checking the explanation. When you miss one, identify the concept you misunderstood, revisit that topic in your study materials, and then try again without relying on memory of the answer. A short list of weak topics is more useful than repeatedly chasing a perfect score on the same sample.

Is this an official exam or a full mock test?

No. This is an independent practice resource for Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B), not an official examination, exam registration service, or certification award. The free set is a sample rather than a complete timed mock. Use the exam body's current syllabus and candidate guidance alongside your practice, especially for exam rules and registration requirements.

Does a high score mean I am ready to pass?

A strong result is encouraging, but a short sample cannot establish readiness across an entire syllabus. Repeated attempts can also reflect familiarity with the questions. Check whether you can explain your reasoning, solve unfamiliar questions, and keep a steady pace in a full timed mock before judging your readiness.

What does premium access add for Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B)?

One purchase covers the modules included in this qualification's syllabus. Premium access adds the full 40-question bank, practice and review tools, and progress tracking. The flashcards and mind map on this page remain free. Choose 30, 90 or 365 days of access; official exam registration and qualification requirements are separate.

How do I choose a module and access duration?

Check that the module name matches the exam you intend to take; similar exam names can cover different syllabuses. On the pricing page, choose the module or modules you need and a duration that covers your planned preparation period. Confirm the selection and total shown at checkout, rather than assuming one purchase includes every exam on MASExam.

Can I practise on my phone or tablet?

MASExam works in a browser on phones, tablets, and computers, with no app installation required. Use the Study tools menu above the practice content on smaller screens to reach the previews and pricing. For account-based premium study, sign in with the same account when switching devices.

Do I need an account to save my study progress?

You can explore the free questions without signing in. Treat anonymous practice as a trial session rather than a permanent record of your preparation. Use your signed-in study dashboard with the relevant module access for progress tracking and review tools, and keep using the same account for future sessions.

How should I combine practice with the syllabus?

Use the Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) topic overview on this page to plan your revision, then compare it with the exam body's current published syllabus. Read a topic, attempt questions, review mistakes, and return to weak areas in later sessions. Practice questions support your learning; they do not replace the official candidate materials or cover every possible question.

What should I check about expiry, refunds, and guarantees?

Review the access duration and current terms on the pricing and checkout pages before paying. Do not assume that access lasts indefinitely, renews automatically, or includes an unconditional refund or guaranteed pass. If your exam date changes or you are unsure which terms apply, contact support before choosing a plan.

What if an answer looks incorrect or I need help with access?

Use the Contact page to send the module name, question wording, and a clear description of the issue. For an answer query, include the part of the explanation you disagree with and a relevant reference if available. For access problems, include your account email and order reference, but never send your password or full card details.

Which examination route does this cover?

The general route combines Part A (basic takaful and medical and health takaful) with Part B (general takaful).

Does passing automatically authorise me to sell?

No. Examination success is an entry qualification. Appointment by a relevant principal and registration with MTA, together with applicable requirements, must be completed before transacting business.

Are these official examination questions?

No. These are independently authored learning exercises, not Aii or MTA questions, leaked items, recalled live questions or a guarantee of passing. Product wording controls actual benefits; numbers in exercises are stipulated examples.

Where should I confirm exam arrangements?

Use the linked MTA curriculum and current booking portal. Confirm the current paper format, duration, language, delivery and pass requirements with MTA before registering.

Ready to unlock the full Takaful Basic Examination: Basic, Medical and Health and General Takaful (A+B) system?

Get the complete question bank, flashcards, mind maps, timed mocks, and analytics dashboard for MASExam.

View all plans