U meant direct discount or the mudharabah payment? Takaful Malaysia will refund 15% of your premium amount in the event when there is no claim being made within that particular period of takaful. As far as i know, this concept of mudharabah applied throughout their product..u can see the policy wording describe about the mudharabah payment.. and for the direct discount, IINM its applied for corporate client..not sure about walk in customer..