Etiqa

Underwritten by Etiqa Takaful Berhad

Etiqa Elite Takaful Medic Rider

Focus on getting your health back in order instead of the mountain of hospital bills you have to pay. Let Etiqa handle that stress for you, from the time of admission to the end of your recovery.

    • 15-Day Cancellation Refund

Apply online now for Etiqa Elite Takaful Medic Rider

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Coverage

How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM75000 up to RM300000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM300000 up to RM1500000
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    Not Covered
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM150 up to RM500
    • Diagnostic Tests and Specialist Consultation
      Cover for the cost incurred when diagnosing your ailment, including tests and specialist charges.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Day Care Procedures
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      up to RM150
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged max 2 visits per day
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments if you are diagnosed with cancer.
      As Charged
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      from RM1000 up to RM2000within 90 days from discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment due to an accident.
      from RM1000 up to RM2000
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      from RM1000 up to RM2000per accident
    • Ambulance Fees
      Charges for ambulance ride to the hospital and paramedic support.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      from RM50 up to RM200per day up to 60 days
View more coverage details +

Premiums

How much your premiums may cost

  • Fresh Graduate

    Nurul is just stepping into the real world and needs an insurance coverage to have her back since she's longer covered by her parents.

    Suggested PremiumRM717.75
    Get Quote
  • Machinery Operator

    Paul is in a relatively dangerous line of work and need a medical insurance plan to provide for him the coverage his company doesn't

    Suggested PremiumRM774.65
    Get Quote
  • Business Traveller

    Encik J needs a comprehensive coverage to provide protection against the limited coverage that his company provides.

    Suggested PremiumRM2177.66
    Get Quote

Actual premium rates will be determined by Etiqa Takaful Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

Suggested Premium is inclusive of 6% GST

How to Claim

There are two ways to make your claims with Etiqa. First, you could go online to Etiqa and fill in their Online Claim Form, provided you have the following  information:

  • Your Policy information
  • Details about the incident, date, damage, location, hospital details, etc.
  • Supporting documents, prefereably in soft copy ( Medical reports, Police reports in the case of accidents, Hospital bills and receipts )
  • A statement about the incident
  • Any bank or credit card statement that shows proof of payment for the claim

If however your are unable to access the Online Claim Form, then you can always mirror the process by downloading the General Claim form and attaching the same documents in hard copy. Either email them to : claims @etiqa.com.my or deliver them to Etiqa Tower at the following address: 

Level 12, Tower B,
Dataran Maybank,
1, Jalan Maarof,
59000 Kuala Lumpur

Panel Hospitals

Find a hospital or clinic near you!

Requirements

Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 87 years of age

Frequently Asked Questions about Etiqa Elite Takaful Medic Rider

Things you might want to know

Tell me about this Elite Takaful Medic Rider

As the name implies, the Elite Takaful Medic Rider is a medical insurance plan made to be a rider for those of you who have or are taking up the Elite Takafulink. Regardless, it is a comprehensive medical insurance plan that you could consider picking up to provide you with additional coverage in case your current provider or employer is not hitting the mark.

It is a Takaful insurance product but is open to all who want it.

How much does it cover?

Being like any other medical insurance plan, this one will also look after and cover any hospital related charge for the use of its facilities and supplies. Which means that all surgical fees, use of equipment, operating theaters, rooms and board, ICU and physician visits are all covered by the protection plan. In addition to that, the protection plan covers child guardian benefits for parents or families with small children, in selected circumstances.

Moving on, this takaful protection plan also covers certain outpatient treatments and post-hospitalization care that you might need after a surgery. Among these perks is coverage for kidney dialysis treatment, cancer treatment, physiotherapy, home nursing care and organ transplants up to 10 transplants per certificate year. You will also not have to worry about miscellaneous expenses like ambulance fees, day surgery fees, emergency and accidental medical assistance or GST.

What are the perks of this protection plan?

Well this policy comes with a selection of 5 plans that you can choose from, each with varying ranges of coverage and varying premiums. Therefore, you get to decide which plan you would like to go for based on what you need and what your budget can accommodate. You can also enjoy a no claim bonus, where you will be rewarded an RM300 that will be converted to units and added to your certificate ever three years that you do not make a claim.

Aside from that, if you need the reassurance, as it is your choice, you will also be covered for a second medical opinion and alternative medical treatment. So be sure to exhaust every available option when it matters. Lastly, with this policy you will get a cashless Admissions Card. It will make your life a lot easier when getting into hospitals for treatment, simply present that card at any panel hospital.

Who can apply for this plan?

Anyone over the age of 17 can independently hold this plan, but of course the plan can be applied to children too. For parents who want to get it for their kids, they need only be 30 days old to be eligible for the policy.

The maximum entry age for the plan is 65 years old and can be extended to your 87th birthday.

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