More Certificate Holders Are Keeping Their Family Takaful Active In 2026

Christina Chandra

12th June 2026 - 2 min read

The takaful industry recorded total gross contributions of RM16.38 billion in 2025, up 4.73% year-on-year, according to the Malaysian Takaful Association (MTA). The family takaful segment ended the year with 6.74 million in-force certificates, up from 6.69 million in 2024 and 4.55 million a decade ago.

MTA Interim Chairman Borhanudin Samsudin said acceptance of takaful products outpaced population growth, with more certificate holders choosing to maintain their coverage rather than let it lapse.

In-Force Contributions Rise to RM10.15 Billion

In-force contributions, which is the coverage that certificate holders are actively keeping, rose to RM10.15 billion from RM9.62 billion the year before, largely sustained by endowment products within the individual ordinary family business segment. New business contributions were flat at RM9.74 billion, with 861,956 new certificates issued over the year. The business in-force total participation also expanded 4.47% to RM61.62 trillion, an increase in the total value of coverage held across all active certificates.

Medical Claims Are What Participants Are Using Takaful For

The industry paid out RM10.61 billion in total benefits to certificate holders in 2025. Family Takaful accounted for RM7.91 billion of that, with medical claims as the primary driver. If you hold a Family Takaful certificate, a medical claim is most likely what you’d end up using it for, and with hospital and specialist costs continuing to rise this might not change

General Takaful claims reached RM2.70 billion, up 16.88% from 2024. Operators also distributed RM1.30 billion in surplus contributions and critical benefits to eligible participants, and contributed RM52.25 million in zakat.

The takaful penetration rate edged up to 19.63% in 2025, against a national population of 34.33 million, with roughly 4 in 5 people still not covered. For 2026, MTA has listed strengthening Medical and Health Insurance and Takaful (MHIT) as a top priority, alongside expanding hibah as an estate planning instrument and pursuing phased liberalisation of the General Takaful sector.

Christina Chandra

Christina writes about personal finance with an eye for making the complicated feel straightforward. She is drawn to the everyday money decisions people face and genuinely enjoys finding the clearest way to explain them. Between articles, she is probably napping, on a hiking trail, or terrorising her sister’s cats.

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