family solidarity takaful certificate "family solidarity takaful certificate" means a takaful certificate issued by a takaful operator carrying on the business of family solidarity takaful under which an obligation arises on the death or survival of a person, including extensions of cover for personal accident, disease or sickness, and including an annuity, and a certificate solely providing coverage against disease or sickness or solely against medical expenses but excluding a solely personal accident certificate; ACT 720 - MALAYSIA DEPOSIT INSURANCE CORPORATION ACT 2011 2. Interpretation.