85. Family takaful certificate moneys to be paid without deduction

( 1)

Any certificate moneys payable under a family takaful certificate or moneys payable on the surrender of a family takaful certificate shall be paid without any deduction for sums not due under the certificate or under an agreement charging them on the certificate, unless the deduction is made with the consent of the person entitled to these moneys; and any provision contained in a family takaful certificate or in any agreement relating thereto shall be void, in so far as it entitles the takaful operator to make any such deduction without that consent.

In any proceedings for the recovery of certificate moneys due under the family takaful certificate or of moneys payable on the surrender of a family takaful certificate, no set-off or counterclaim shall be allowed except for sums due under the certificate or under an agreement charging them on the certificate.