Underwritten by Etiqa Takaful Berhad

Etiqa Takaful Ultra Medic Rider

Just present your Etiqa medical card at the nearest panel hospital and receive immediate medical treatment. Claim for hospitalisation and surgery fees up to the age of 75.

    • Islamic
    • Hospital Accommodation Up To 180 Days
    • 3 Years No Claim Bonus At 5%
    • 15-Day Cancellation Refund

Apply online now for Etiqa Takaful Ultra Medic Rider

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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 RM50000 up to RM300000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM200000 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 RM100 up to RM500per day
    • Diagnostic Tests and Specialist Consultation
      Cover for the cost incurred when diagnosing your ailment, including tests and specialist charges.
      As Charged
    • Second Surgical Opinion
      In case you'd like the medical opinion of another specialist before undergoing surgery.
      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
    • 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
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged within 90 days after discharge
    • 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 after surgery
    • 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 RM2000
    • Ambulance Fees
      Charges for ambulance ride to the hospital and paramedic support.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM200per day up to 180 days
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      up to RM150 per day up to 180 days
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      from RM40 up to RM200per day up to 60 days per year
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM100 per disability
    • Traditional Medical Treatment
      Alternative forms of therapy including acupuncture and visits to a sinseh.
      up to RM300 within 90 days after discharge
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Hafizah has just turned 22, she's looking for a budget medical plan.

    Suggested PremiumRM483
    Get Quote
  • Office Admin

    Siti is turning 30 years old and she is looking for an affordable Etiqa medical plan.

    Suggested PremiumRM500
    Get Quote
  • Retiree

    Wan is in his mid-50 and he wants to buy a comprehensive medical card.

    Suggested PremiumRM2782
    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

You can get the claim forms from Etiqa branches, claims departments, customer service counters and Maybank service centres in Malaysia as well as to make the claim directly.

Alternatively, you can contact Claims Assist personnel at 1300 88 1007 or email at 

Etiqa Customer Care Hotline

Panel Hospitals

Find a hospital or clinic near you!


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 88 years of age

You can attach your policy with the following insurance policies

Etiqa Elitelink

Frequently Asked Questions about Etiqa Takaful Ultra Medic Rider

Things you might want to know

Good health is one of the primary prerequisites for enjoying what life has to offer. It allows you to function normally, to be able to spend quality time with your loved ones, and to indulge in the occasional spoils you might be able to afford just for the experience. The best investment you could ever make, therefore, is good health. Etiqa’s Ultra Medic Rider is designed help you gain access to better healthcare offered by talented specialists in Malaysia.

What is this policy all about?

The Etiqa Takaful Ultra Medic Rider is a hospital and surgical takaful premier medical plan that provides comprehensive medical coverage of up to RM1.5 million during your lifetime, and a choice of 5 different plans to suit your budget and healthcare needs.

What are the benefits of this medical insurance?

As a policy holder, you are entitled to receive coverage on a Medical Second Opinion. What this means is that once you have received the results from your diagnostic test, if you have any doubts to the accuracy of the doctor’s diagnosis of your condition, you have the privilege to submit your medical files to a medical centre of your choice. A specialist may then have a look at your files and provide a report on his/her second opinion, which will be sent to you and your local physician. Together with your medical physician, you may then determine the next best course of action to treat your illness.

Do note that if the medical centre decides to perform more diagnostic tests on you which was not part of the initial diagnosis, you will need to bear the additional costs incurred.

Is Traditional and Complementary Medicine (TCM) covered in this policy?

You may seek post-hospitalisation alternative treatments, including Chiropractic, Chiropody, Homeopathy, Osteopathy or Acupuncture as long as it is via a registered practitioner licensed under the Ministry of Health Malaysia.

Does this policy come with a medical card?

You will receive an admission card that gives you access to the benefits in the plan. This convenient, all-in-one card ensures that every check-in and discharge at Etiqa’s panel hospitals are cashless and hassle-free.

Will there be any additional fees or charges?

With Etiqa Takaful Ultra Medic Rider, your treatment will be paid in full according to the plan you’ve purchased, so you don’t have to worry about bearing a portion of the treatment cost.

If I have never made a claim, will I receive some incentives or benefits?

For maintaining a good health, Etiqa will reward you with 5% of the rider’s contribution, as long as there is no claim made in the previous year. Do note that the 5% no claim bonus starts from the third certificate year onwards.

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