Family Takaful

Plans built around your budget

Selected plans require no medical check-up. Sick or healthy, approval is guaranteed with hibah protection.

No medical check-up

Guaranteed acceptance plans

From RM 50 per month

Takaful Al-Shams

Guaranteed acceptance family takaful from RM50 a month.

Guaranteed acceptance, no medical check-up
Death, TPD and Golden Age Disability cover
Accidental death: +100% general, +200% public transport, +300% overseas
TPD recovery: 5% of sum covered for 5 years
Compassionate RM2,000; family accidental death RM10,000 per member

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From RM 1,000 per unit yearly

Takaful Mumtaz

Protect, save and enjoy annual cash back.

1 unit = RM1,000 annual contribution
Contribute 8 years, covered 16 years
Cash back 18% yearly (years 1-8), 38% (9-15), 48% (year 16)
Death/TPD up to 200% of sum covered (300% accidental)
No medical examination; investment value paid at maturity

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More benefits for the healthy

Hibah plans with extra benefits

From RM 90 per month

Takaful ProEssential

Comprehensive hibah cover with flexible terms up to age 80.

Death, TPD and Golden Age Disability benefits
Flexible term: 20, 30 or 40 years, or up to age 80
Family Care Privilege for up to 4 family members
Optional riders: critical illness, hospital income, accident
Hajj by Proxy, Qurban and Waqaf services

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Takaful Term 80

Affordable term cover with worldwide protection to age 80.

Death and TPD (before age 70) pay sum covered plus investment value
24-hour worldwide protection, cover to age 80
Flexible term from 5 years; maturity pays investment value
Optional critical illness, hospital income and accident riders
Contribution may qualify for tax relief up to RM6,000 a year

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From RM 70 per month

Takaful ProSecure

High protection at a low cost, up to 400% of sum covered.

Death, TPD and GAD: higher of sum covered or total contributions
Public transport accident +200%; overseas accident +300% of sum covered
Terminal illness benefit; TPD recovery 5% for 5 years
ICU stay over 5 days: contributions waived for 6 months
Optional critical illness riders (51 illnesses)

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From RM 50 per month

Takaful Family Hero

High hibah protection with flexible contributions, up to 400%.

Death/TPD: higher of 100% sum covered or investment value
Accidental death: +100% public transport/overseas, +200% balik kampung, +300% hajj
TPD recovery: 5% of sum covered for 10 years
Family Care Privilege for 4 members (25% of sum covered, max RM300,000 each)
Ziarah Plus: extra 10% of sum covered (max RM50,000) during hajj or umrah

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Hospitalisation

Medical card plans

Mediafya (Silver)

Comprehensive medical coverage with annual protection up to RM350,000.

Comprehensive medical coverage
Annual protection up to RM350,000 with no lifetime limit
Government hospital benefit daily cash allowance up to RM280
Hassle-free hospital admissions
Daily room and board up to RM280

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Mediafya Plus (Gold)

Annual limit up to RM1,000,000 with daily room and board up to RM300.

Annual limit up to RM1,000,000
Daily room and board up to RM300
Two plans and two deductible options
Government hospital benefit daily cash allowance up to RM300
Hassle-free hospital admissions

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Medi Pro (Platinum)

Top-tier medical cover up to RM2 million with no lifetime limit.

Protection up to RM2,000,000 with no lifetime limit
Daily room and board up to RM1,000
Hospitalisation due to mental illness benefit up to RM3,000
Cancer survivor benefit up to RM3,000
Infectious disease benefit up to RM3,000
Intraocular lens benefit, monofocal or multifocal, up to RM5,000
Two plans and two deductible options
Government hospital benefit daily cash allowance up to RM300

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Cancer protection

Cancer Care

Comprehensive cancer coverage for early and advanced stages up to RM500,000.

Comprehensive cancer coverage, subject to exclusions
Benefits for early and advanced stages of cancer
Coverage up to RM500,000
Additional 25% of the Cancer Sum Covered, up to RM50,000, for eligible gender-specific cancer claims
Potential income tax relief, subject to the final decision of the Inland Revenue Board of Malaysia
50% surplus sharing if no claims are made, subject to the applicable terms

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Investment

Investment linked plans

Takaful Single Invest & Investment Linked Plans

Shariah-compliant family takaful plans that integrate protection with investment.

Shariah-compliant family takaful plans
Protection integrated with investment opportunities
Professionally managed local and global Shariah funds
Essential family protection safeguards retained

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Personal accident

24-hour accident cover

From RM 17 per month

Personal Accident (Full Coverage)

24-hour Shariah-compliant personal accident cover.

Death from all causes plus accidental death and dismemberment
Double sum covered for accidents on public transport, public buildings or lifts
Medical reimbursement and weekly income up to 52 weeks
Broken bones or burns and ambulance fee benefits
20% loyalty discount from the 3rd year

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From RM 81 per year

Personal Accident (Basic Coverage)

Affordable personal accident cover for students and workers.

Accidental death and injury cover
Medical reimbursement for accident treatment
Affordable yearly contribution from RM81
Entry age 30 days to 70 years

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Takaful basics

Understand what you are actually buying

Most people delay protection because the terms are confusing. Here is what each part of a plan means, in plain language.

Contribution, not premium

What you pay every month. It keeps your cover active, and part of it may build a savings value you can use later.

Sum covered

The maximum amount your family receives when an insured event happens. Compare this figure, not only the monthly price.

Waiting period

Some benefits only start after 30 to 90 days. We tell you which ones apply before you sign, so there are no surprises at claim time.

Nomination and hibah

You name who receives the benefit. With hibah, the payout goes straight to your nominee instead of being tied up in the estate.

Still unsure? A 20-minute chat is usually enough to find your starting point.

Ask a quick question