Mukmin Plans 2026 New

1. What are the new Mukmin Plans and who are they for?
   The Mukmin 188, 248, and 288 plans are specially designed for government servants. You can pay via a 36-month 0% interest installment plan through ANGKASA salary deduction.
2. How long is this offer for?
   This is an offer effective from 21 September 2026.
3. Where can I sign up for these plans?
   Feel free to visit any of our redONE Mobile stores or Partner stores.
4. Who is eligible to subscribe to the new Mukmin plans?
   Eligible customers include individuals employed in the government sector or government-linked companies (GLCs). Applicable to customers aged between eighteen (18) and fifty-two (52) years old.
5. How much do I need to pay upon registration?
   RM60 Registration Fee is required upon registration.
6. I am a government employee and currently subscribed to the postpaidPLUS38 plan. Can I upgrade to the new Mukmin Plan?
   The new Mukmin Plans are exclusively available for new registrations. Customers are encouraged to either subscribe with a new number or port-in from another telco to sign up for a Mukmin Plan.
7. What is the main condition of this program?
   Monthly payments are made through ANGKASA salary deductions, and this plan is eligible for government employees whose pay slip deductions do not exceed 60% of their fixed income.
8. During the 36-month contract period, what will happen if I terminate the plan?
   For termination within the contract period, payment as per the following will be imposed:

   Mukmin Plan	Normal Number	Premium Number
   Mukmin 188	RM106 × balance contract months	RM106 × balance contract months OR RM88 × balance contract months, whichever is higher
   Mukmin 248	RM167 × balance contract months	RM167 × balance contract months OR RM88 × balance contract months, whichever is higher
   Mukmin 288	RM200 × balance contract months	RM200 × balance contract months OR RM88 × balance contract months, whichever is higher

9. What is the monthly salary deduction amount for the Mukmin plan?
   Salary deduction will be carried out monthly according to the plans as follows:

   Plan	Mukmin188	Mukmin248	Mukmin288
   Salary deduction amount	RM193.28	RM253.28	RM293.28

10. I’m currently subscribed to the Mukmin 188 plan with a salary deduction of RM193.28. What happens if I purchase additional data? Will the payment be deducted from my salary, or do I need to pay for it myself?
    The salary deduction is a fixed amount. If you purchase additional data via the redONE 1App, you will need to make the payment manually by yourself.
11. My Mukmin Plan contract has ended and I have no outstanding bill. How can I stop salary deduction and pay manually via the redONE 1App?
    If your contract has ended and there is no outstanding bill, you can email our team at bizdev.support@redone.com.my to request stopping the salary deduction.
12. I want to terminate my Mukmin Plan. Can I call the redONE Mobile Customer Service or must I visit a redONE Mobile store?
    You may contact our redONE Mobile Customer Service to check your account details first. If there is no outstanding bill and your contract has ended, the customer service team will advise you on the termination process.
13. I am no longer serving as a government servant. What will happen to my Mukmin Plan bill?
    If you are no longer a government servant, you are required to pay your bill manually via the redONE 1App instead of through salary deduction.
14. If I require further clarification about my salary deduction amount, who should I contact?
    You can text us via WhatsApp at +60 11-1090 1119 (text only) or email us at bizdev.support@redone.com.my. Our team will assist you with your inquiry.

Hong Leong MSIG Takaful

1. What is this product about?
   This is comprehensive group term takaful which will ease financial burden in the event of death caused by an accident and natural causes.
2. What are the Shariah concepts applicable?
   • Tabarru’ – a certain portion of the Contribution that the Participant agrees to donate upon occurrence of events approved by Shariah Committee of the Operator, thus enabling him to fulfil his obligation of mutual help and joint guarantee should any of his fellow Participants suffer a defined loss where his donation is meant to help others and others’ donation are meant to help him.
   • Iltizam bi Al-Tabarru’ – commitment to make Tabarru’.
   • Wakalah – essentially an agent-principal relationship, where the Operator acts as an agent on behalf of the Participants to manage the PRF and PA on the Participants’ behalf and the Operator earns Wakalah Fee for services rendered.
   • Ju’alah – an agreement in which the Participant promises to reward the Operator for its achievement or good performance in managing the PRF that leads to surplus to the PRF.
3. Can I cancel or terminate my certificate?
   The certificate is bundled to your Mukmin plan. It is a benefit given to you until you terminate your Mukmin plan.
4. What do I need to do if there are changes to my contact details?
   It is important that you inform master certificate holder of any change in your contact details to ensure that all correspondences reach you in a timely manner.
5. What are some of the key terms and conditions that I should be aware of?
   The coverage is based on Free Cover Limit as per in Master Certificate subject to declaration and contribution payment by master certificate holder. The claim notification is subject to Sunset Clause as per master certificate wording.
   
   Note: This list is non-exhaustive. Please refer to the certificate contract for the terms and conditions under this certificate.
6. When is the insurance coverage activated?
   Takaful protection will take effect immediately after signed up however for existing disease, there will be 12 months waiting period. Death due to natural causes only be covered on month 13 onwards.
   
   Note: For existing disease, it will be based on the medical attendance report when customer wants to submit death claim.
7. What are the covers / benefits provided?
   The covers / benefits are summarized as below:

   Benefit	Sum Covered Per Participant
   Death (Natural Causes)	RM2,500.00
   Death (Accidental Causes)	RM12,500.00

8. If I have dual subscription of Mukmin plan, can I claim for both coverage subscriptions?
   No. You can claim ONE subscription only even you have signed up two subscription of Mukmin68A plan. Your second subscription will be excluded from the Hong Leong MSIG Takaful benefit.
9. What do I need to do if there are changes to my contact details?
   It is important that you inform master certificate holder of any change in your contact details to ensure that all correspondences reach you in a timely manner.
10. How long does it take for the claim procedure?
    Claim process within 30 working days from complete document received.
11. Is there any hard copy acknowledgment of the insurance coverage?
    There will be no individual certificate as Master certificate will be issued to redONE. If you required any information, you may contact your takaful operator for further assistance.
12. My account is suspended, am I still eligible for the insurance coverage?
    Takaful coverage inforce except if we not received payment for 2 month or the certificate lapse.
13. How do I make a claim?
    Customer will need to contact Hong Leong MSIG Takaful on the claim process:
    
    Hong Leong MSIG Takaful Berhad 200601018337 (738090-M)
    Level 5, Tower B, PJ City Development, No. 15A, Jalan 219, Seksyen 51A,
    46100 Petaling Jaya, Selangor.
    Telephone: +603 7650 1800
    Facsimile: +603 7620 6730
    Email: ReachUs@takaful.hongleong.com.my
    Website: https://www.hlmsigtakaful.com
14. If I have dual subscription of Mukmin plan, can I claim for both coverage subscriptions?
    You can only claim for ONE subscription, even if you have two Mukmin Plans. Your second subscription will be excluded from the Hong Leong MSIG Takaful benefits.
16. Where can I get further information?
    Should you require additional information about this plan, please refer to the insurance info or you can obtain a copy from master certificate holder. If you have any enquiries, contact us at:
    
    Hong Leong MSIG Takaful Berhad 200601018337 (738090-M)
    Level 5, Tower B, PJ City Development, No. 15A, Jalan 219, Seksyen 51A,
    46100 Petaling Jaya, Selangor.
    Telephone: +603 7650 1800
    Facsimile: +603 7620 6730
    Email: ReachUs@takaful.hongleong.com.my
    Website: https://www.hlmsigtakaful.com

1. Eligibility & Registration
   • This plan is strictly available to permanent Government employees and staff of Government-Linked Companies (GLCs) eligible for the ANGKASA Salary Deduction scheme, aged 18 to 52 years as at the date of sign-up.
   • Applicants with active Bankruptcy status or under Agensi Kaunseling dan Pengurusan Kredit (AKPK) management are not eligible.
   • Total salary deduction (inclusive of this plan) must not exceed 60% of the applicant’s gross monthly salary.
   • Valid for New Registrations and MNP (Port-in) customers only. Foreigners and Machine-to-Machine (M2M) registrations are strictly excluded.
   
   
2. Plan Specifications & Pricing
   The new Mukmin plans consist of a bundled Mobile Service Plan (RM88/month) and a Smart Mobile Device Instalment plan:

   Plan Name	Monthly Commitment	Plan	Device Instalment	Total High Speed Data 5G	Voice Call	Contract Tenure
   Mukmin188	RM188	RM88	RM100	500GB	Unlimited to all network	36 Months
   Mukmin248	RM248	RM88	RM160	500GB	Unlimited to all network	36 Months
   Mukmin288	RM288	RM88	RM200	500GB	Unlimited to all network	36 Months

   • All monthly commitment fees displayed are exclusive of Service Tax (SST), which will be charged in the monthly bill where applicable.
   • A registration fee of RM60.00 applies upon subscription. Advance payment is waived.
   
   
3. Post-Contract Billing Adjustment
   • Upon completion of the THIRTY-SIX (36) calendar months Contract Period, the device instalment component will cease automatically.
   • From Month 37 onwards, your monthly subscription will automatically reduce to RM88.00/month for the base mobile plan.
   
   
4. ANGKASA Salary Deduction Scheme
   • Customers explicitly agree and authorize monthly deductions from their salary via the ANGKASA Service Bureau scheme.
   • Salary Deduction Scope: The ANGKASA deduction covers the base monthly commitment fee (inclusive of applicable SST).
   • Additional Charges: Any additional usage exceeding the plan bundle, Value-Added Services (VAS), roaming, IDD calls, or premium services must be paid manually by the customer directly to redONE Mobile.
   • Loss of Salary Deduction Facility: If the customer ceases to be a Government/GLC employee or loses the salary deduction eligibility during the 36-month Contract Period, they remain fully obligated to settle all monthly bills directly to redONE Mobile until the end of the contract.
   
   
5. Value-Added Services (VAS) & Usage Policy
   redCALL (Unlimited Voice Calls):
   • Includes unlimited domestic calls to all mobile networks and national fixed lines within Malaysia.
   • Excludes calls to 1300 / 1700 / 1600 / 1MOCC, video calls, IDD calls, and special/premium numbers.
   • Strictly for individual standard voice usage; commercial use, call center usage, continuous auto-dialing, or SIM boxing is prohibited under redONE Mobile’s Fair Usage Policy (FUP).
   Data Bundle (500GB):
   • Applicable for domestic usage within Malaysian networks only. Overseas usage is subject to standard roaming rates.
   • Upon 100% utilization of the 500GB high-speed quota, internet speed will be throttled to a maximum of 6Mbps without extra usage charges. Customers may purchase Data Top-Ups to restore full speeds.
   Free Takaful Coverage:
   • Includes complimentary Hong Leong MSIG Group Term Takaful (Khairat Kematian) coverage up to RM12,500 at no additional cost to the customer.
   
   
6. Device Terms & Early Termination
   Restrictions During Contract Period: Throughout the 36-month period, customers shall NOT:
   • Terminate the line or device instalment plan prematurely;
   • Port out (MNP) to another service provider;
   • Downgrade or change the rate plan;
   Early Termination Penalty: In the event of premature termination before 36 months, an early termination charge will be imposed, calculated as follows:
   • 1.1 Mukmin188
     The pre-termination charge shall be (RM100 + RM6) × the balance contract months, or RM88 × the balance contract months for a Premium Number, whichever is higher.
     
     
   • 1.2 Mukmin248
     The pre-termination charge shall be (RM160 + RM7) × the balance contract months, or RM88 × the balance contract months for a Premium Number, whichever is higher.
     
     
   • 1.3 Mukmin288
     The pre-termination charge shall be (RM200 + RM0) × the balance contract months, or RM88 × the balance contract months for a Premium Number, whichever is higher.