MAA Takaful

Underwritten by MAA Takaful Berhad

MAA Takaful Smart Medic 200

Sign up with MAA Takaful Medical Insurance for the right medical plan. This comprehensive hospital and surgical plan provides you and your family the best medical support, including funeral benefits.

    • Islamic
    • Hospital Accommodation Up To 200 Days
    • 15-Day Cancellation Refund

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.
    RM50000
  • 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 per day
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    As Charged per day
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      As Charged per day
    • 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 per day
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged per day
    • 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 per day
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment due to an accident.
      As Charged per day
    • 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.
      As Charged per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      As Charged per admission
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      from RM500 per admission
    • 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

    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

    Medical Assistance Hotline & Services
    International Medical Assistance Programme Travel Assistance Car Assistance Home Assistance
    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 18 years of age
    At least 30 days of age
    Maximum Entry Age
    At most 59 years of age
    Maximum Renewal Age
    At most 80 years of age

    Frequently Asked Questions about MAA Takaful Smart Medic 200

    Things you might want to know

    What's great about the MAA Takaful Smart Medic 200?

    It's imporant to stay fit as a fiddle for yourselves and your loved ones. The MAA Takaful Smart Medic 200 is a medical insurance package that gives you high quality and comprehensive financial protection for your hospital and surgical fees. You are guaranteed of hospital admission and your medical bills are taken care of upon your discharge at the panel hospitals. 

    Who is eligible for this MAA medical insurance?

    You an apply for this card if you are 18 years old and above. The Person Covered is for anyone from the age of 30 days up to 59 years old.

    Can I use this medical card at an overseas hospital?

    Of course you can! Get yourself insured with MAA Takaful Smart Medic 200 wherever you are, whenever. International Medical Assistance Programme e.g. dispatch of essential medication not available locally, medically supervised repatriation, return of dependent children are available for you. Not only you get medical benefits, MAA Takaful Smart Medic 200 also provides travel, car, and home assistance.

    Sounds like a great deal! How much do I have to contribute?

    Your contribution is tailored according to your age, gender and the medical plan that you choose. Although the policy only covers till you are 59 years old, you can choose to pay your contributions up to age 79. Your contribution will consist of the following fees:

    • RM40 of Managed Care Organization (MCO) and Emergency Assistance Programme (EAP)
    • Wakalah (agency) fee that is gradually reduced to RM8 after 6 years
    • Tabarru (donation) amount which is conventioanlly known as, insurance premium

    Will my medical card cover funeral expenses?

    Handling a funeral can be a grim affair. With MAA Takaful Smat Medic 200, you don't have to worry about financial matters during this trying period. RM5,000 for funeral expenses will be allocated for funeral expenses on all causes.

    How do I submit insurance claims to MAA Takaful?

    The MAA Takaful Smart Medic 200 works like a debit card whereby all expenses will be paid directly to the hospital. However, in the event of hospitalisation at a non-panel hospital, you are required to pay in advance the necessary bills and claim for reimbursement. Submit the Reimbursement Form together with the original bills and receipts to MAA Takaful Berhad or to MCO.

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