MAA Takaful

Underwritten by MAA Takaful Berhad

MAA Takaful MEDICA2015

Stay healthy to enjoy no-claim discounts every year! Benefit from no lifetime limit, no co-Takaful payments, and specialist consultation when diagnosed with a serious illness.

    • Islamic
    • Hospital Accommodation Up To 200 Days
    • 1 Year No Claim Bonus At 20%
    • 15-Day Cancellation Refund

Apply online now for MAA Takaful MEDICA2015

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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 RM50000 up to RM500000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM150 up to RM1000per day
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      As Charged
    • Second Surgical Opinion
      In case you'd like the medical opinion of another specialist before undergoing surgery.
      from RM500 per year
    • 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
    • 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.
      As Charged
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment due to an accident.
      As Charged
    • Funeral Benefits
      Cash compensation for funeral expenses if policyholder passes away during cover period.
      from RM5000
    • 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 RM250per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM150 up to RM500per disability
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      from RM250 up to RM2000per disability
    • 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.
      As Charged
View more coverage details +

Premiums

How much your premiums may cost

  • Fresh Graduate

    Sally is 23 this year and just got her first job! A standard plan that doesn't exceed her budget is what she want.

    Suggested PremiumRM739
    Get Quote
  • School Teacher

    Having a modest income as a high school teacher, Melvin who had just celebrated his 40th birthday is ready to get a better coverage.

    Suggested PremiumRM1831
    Get Quote
  • VIP

    William is a renowned businessman in his late 40s who wants the best of everything, including his medical insurance.

    Suggested PremiumRM4189
    Get Quote

Actual premium rates will be determined by MAA 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

Nobody likes to make a claim when the process is a pain in the neck and takes forever to conclude. Worry not, MAA Takaful has made it easier than ever, just submit your claim with the few easy steps below:

1) Simply present your MAA medical card at any MAA's panel hospital and your bills will be taken care of.

2) If your card is not with you, fret not! Pay the bills upfront and have them reimbursed by notifying your insurance agent or MAA claims department at 03 6287 6666.

2) Prepare the following documents and send them over:

  • Completed claim form
  • Medical report
  • Original itemised medical bill
  • Referral letter
  • Post mortem report if applicable

3) If your claim is approved, MAA will send you an offer letter and a discharge voucher for your acknowledgement and to be returned to them with a duly signed copy.

4) Lastly, MAA will deliver a cheque to you with an agreed amount and there you go!

Remember! Any hospitalisation and surgical claim must be reported within 30 days after leaving the hospital.

Medical Assistance Hotline & Services
24-hour worldwide assistance services
MAA Takaful Customer Care Hotline
 +60362876666

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 79 years of age
Coverage Expiry Age
At most 80 years of age

Frequently Asked Questions about MAA Takaful MEDICA2015

Things you might want to know

What's great about the MAA Takaful MEDICA2015?

This is a standalone medical insurance plan with no lifetime limit and no co-Takaful requirement - that means you won't have to pay a single sen when presenting your MAA Takaful medical card at panel hospitals within Malaysia. You will get a daily allowance for every day you spend in the hospital, maximum of up to 200 days a year.

Not only that, in the event of your untimely death, your funeral expenses will be covered for up to RM5,000. You can also take advantage of money saving no-claim bonuses on premium payments if you stay healthy and fit within a year - you know the saying, "An apple a day keeps the doctor away!".

Can you tell me more about the no-claim discount?

This medical plan rewards you with a 20% no-claim bonus on the following year's premium amount, provided you stay healthy and do not make any claim in the current year. You'll continue to receive the discount as long as no claim is made.

For example, Mr. Tan is a policyholder for the MAA Takaful MEDICA2015 Plan 250 with an annual premium of RM924. He did not make a claim for the whole of 2014, so his premium for 2015 will be RM747.40 after deducting Managed Care Organization (MCO) and Emergency Assistance Programme (EAP) fees of RM40 and the 20% discount he's entitled to.

So, how are my insurance premiums calculated?

Your premium is based on your age, gender, and the plan that you choose. As this is a takaful medical plan, your premiums will consist of the following fees:

  • Wakalah fee at 25% of the premiums for commission and other expenses.
  • RM40 for both MCO and EAP fees.
  • Tabarru amount which is the donation for mutual aid and assistance in line with the Takaful concept.

Who is eligible to subscribe to this insurance plan?

MAA Takaful MEDICA2015 covers those as young as 30 days old to 65 years old. If you would like to continue to be financially protected for medical treatment during your golden years, you can choose to renew the plan up to age of 79.

When will my MAA Takaful MEDICA2015 protection expire?

If you've contributed to one of the following factors, your medical card will expire.

  • Reached the age of 80.
  • Premium is not paid within 31 days of grace period.
  • In the event of your death.

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