IKHLAS Individual Medical Secure Takaful Rider

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

IKHLAS Individual Medical Secure Takaful Rider
Annual Limit
up to RM150k
Lifetime Limit
up to RM1.5m
Room & Board
up to RM400
Coverage Age
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM20k up to RM150k
Lifetime Limit
from RM200k up to RM1.5m
Pre-Hospitalisation Diagnostic Tests
As charged within 30 days before hospitalisation
Room & Board
from RM100 up to RM400per day
Surgical Fees
As charged including post-surgery care up to 30 days
Pre-Hospitalisation Consultation
As charged within 30 days before hospitalisation
Intensive Care Unit (ICU)
As charged up to 30 days per year
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged max 2 visits per day, up to 180 days
Post-Hospitalisation Treatment
As charged within 60 days after discharge
Outpatient Kidney Dialysis Treatment
As charged per year, except for Plan A-D up to RM40,000
Outpatient Cancer Treatment
As charged per year, except for Plan A-D up to RM80,000
Organ Transplant
from RM30k per lifetime, only for Plan A, B, C, D
Emergency Accidental Outpatient Treatment
As charged per accident and follow-up up to 30 days
Emergency Dental Treatment
As charged per accident and follow-up up to 30 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM100 per day, up to 60 days and not applicable for Plan I and Plan J
Home Nursing Care
from RM100 up to RM300per day, up to 60 days and Plan E-J are as charged
Medical Report Fee
from RM50 per disability
Intraocular Lens
from RM1k 
Traditional Medical Treatment
from RM200 except for Plan I and Plan J


Additional benefits with this insurance

Investment Linked Plan
15 days cancellation refund
Hospital Accommodation
Up to 180 days

How to Claim

Who do I contact if I have a question or emergency?

Takaful Ikhlas Customer Care Hotline

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.


Maximum Entry Age
At most 70 years of age

More Information

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 options 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-days 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 of 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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