Underwritten by Etiqa Takaful Berhad

Etiqa Elite Takaful Medical Plus Medical Card

Life is unpredictable, you'll never know when you'll need comprehensive medication and spend a lot of money. Sign up for Etiqa Elite Medical Plus Takaful to keep your financial plan on track.

    • Deductible Up To RM60000
    • Investment-Linked Policy

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!


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 RM100000 up to RM1500000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 up to RM500per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation
    • 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
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist 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
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs 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.
      up to RM1000 within 90 days from discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged once per lifetime
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      up to RM200 per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM150 per day, up to 120 days a year
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      up to RM100 per day up to 60 days
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      up to RM100 per admission
    • Traditional Medical Treatment
      Charges for treatments such as chiropractic, chiropody, homeopathy, osteopathy and acupuncture after discharge from hospital.
      up to RM200 within 90 days after discharge
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Nurul is just stepping into the real world and needs 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.

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, preferably 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 you 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 or deliver them to Etiqa Tower at the following address:

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

Medical Assistance Hotline & Services
Etiqa Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 14 days of age
Maximum Renewal Age
At most 65 years of age

Frequently Asked Questions about Etiqa Elite Takaful Medical Plus Medical Card

Things you might want to know

Why should I get Etiqa Elite Takaful Medical Plus?

If you're an employee, there's a chance your company has already provided you with a medical card. So, why should you sign up for another medical card? 

First of all, take a look if your current medical card is covering all of your concerns and is sufficient for you. 

Secondly, your coverage will end should you switch jobs thus the reward that you've accumulated will be gone to waste. Lastly, don't you think your loved ones need a medical card as well?

The Elite Takaful Medical Plus by Etiqa is a medical insurance plan for those who already sign up for the Etiqa Elite Takafulink. 

This Etiqa medical card provides a comprehensive medical insurance plan that supplements your employment medical card. 

What are the key benefits of this Etiqa Takaful medical card?

Here are more reasons to choose Etiqa Elite Takaful Medical Plus.

  • High Coverage Limit - the Etiqa Takaful medical card provides unlimited lifetime cover and high annual limit up to RM1.5 million
  • Deductible Cover Option - part of the bill that you pay now will be your medical saving when you retired
  • Etiqa Healthcare App - find the nearest Etiqa panel hospital and have a seamless hospitalisation and medication process

Tell me more about the Etiqa deductible option

It is up to you to decide whether you want to opt for Self-covered Deductible. If you choose so, the table below will explain more about the deductible amount.

OptionDeductible Amount
Option 1RM10,000
Option 2RM20,000
Option 3RM40,000
Option 4RM60,000

Who can apply for this medical card?

Regardless of the name, this Takaful medical card by Etiqa is open to everyone. Any individual or couple aged 18-65 years old can apply for Etiqa Elite Takaful Medical Plus. 

If you have a child or are expecting, why not protect the little one as well? This Etiqa Takaful medical card is open to children as young as 14 days old.

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