Takaful Ikhlas

Underwritten by Takaful Ikhlas Berhad

IKHLAS Individual Medical Secure Takaful Rider

Reimburse all hospitalization, surgical and treatment expenses to Takaful participants.

    • 15-Day Cancellation Refund

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!

Apply online now for IKHLAS Individual Medical Secure Takaful 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 RM20000 up to RM150000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM200000 up to RM1500000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 up to RM400per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 30 days per year
    • 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
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged up to 30 days/year
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged per year, except for Plan A-D up to RM80,000
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged per year, except for Plan A-D up to RM80,000
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM30000 per lifetime, only for Plan A, B, C, D
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      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.
      from RM100 per day, not applicable for Plan I and Plan J
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM100 up to RM300per day, Plan E-J are as charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM50 per disability
    • Intraocular Lens
      Coverage limit for eye corrective surgery to treat cataracts or myopia.
      from RM1000
    • Traditional Medical Treatment
      Charges for treatments such as chiropractic, chiropody, homeopathy, osteopathy and acupuncture after discharge from hospital.
      from RM200 except for Plan I and Plan J
View more coverage details +


How much your premiums may cost

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

    How to Claim

    There are a few things you might want to take note off before you go to make a claim with Takaful IKHLAS. Firstly you will need to have contacted them in case of an emergency or incident so that you will have hassle free admission and payments when you do make it to a hospital. 

    Next to make a claim you will need to have a few documents with you, whether you are the policy-holder or beneficiary.

    • Original itemised bill
    • Original payment receipt
    • Physician's report
    • Copy of Police report (if any)
    • Post mortem report (if applicable)
    • Claim form

    Once you have all of these things together you can proceed to deliver them directly to a Takaful IKHLAS branch, or you insurance agent for processing.

    Takaful Ikhlas Customer Care Hotline


    Am I eligible to apply for this insurance?

    Maximum Entry Age
    At most 70 years of age

    Frequently Asked Questions about IKHLAS Individual Medical Secure Takaful Rider

    Things you might want to know

    What is this Medical Secure Takaful Rider?

    Being on this side if the little blue planet has certain advantageous, especially since here in the Asia Pacific we are a little more known for our outstandingly affordable healthcare. It is because of plans like this from Takaful IKHLAS that offer you reasonable premiums and great coverage. With this takaful rider you can be sure that your medical protection will be the best of the best.

    How much does the plan cover?

    The protection plan will offer a high lifetime and annual limit for all your medical expenses should you find yourself in a bit of an unfortunate situation. Of course, there are several outcomes of life and there is no telling what the future has in store for anyone, therefore, taking some precautionary measures is a good idea.

    Any and all charges for the use of hospital equipment and supplies, diagnostic tests, specialist consultations, surgical fees and post hospitalization care, will be taken care of by the policy. Your coverage will be on an ‘As Charges’ basis within reason, so there might be little to no outstanding balances that you need to cover.

    There is however an extensive list of coverage option and benefits that you can look at when you hit that ‘View More Coverage Details’ button, up there.

    Is there a cancellation period?

    Yes, there is a 15-day grace period in which you can cancel your plan if you have changed your mind. It is however only within this period that you will get a full refund off any premiums paid.

    Do I get any outpatient treatment?

    Yes, you do! With this protection plan, you will have an outpatient treatment benefit for cancer as well as post hospitalization care and home nursing, in case you will need a hand recovering even after you have been discharged.

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