Underwritten by Etiqa Takaful Berhad

Maybank Takaful MediRider

Extend your insurance coverage to access more medical benefits, making your recovery that more comfortable with fast admissions and 24-hour emergency help.

    • Islamic
    • Co-Insurance Up To 10%
    • Hospital Accommodation Up To 120 Days


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 RM100000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM60000 up to RM300000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 up to RM450per day
    • Consultation & Diagnostic Procedures
      As Charged
    • 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
    • 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
    • Hospital Specialist Fees
      Consultation cost for a hospital specialist that's provided by your health insurance policy.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM10000 up to RM20000
    • 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.
      from RM100 up to RM200per year
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM50 up to RM200per day
    • Hospital Cash Benefit
      Daily allowance for patients that are admitted to the hospital.
      from RM50 up to RM200per day
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      As Charged
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Aaron is 32 years old and he's saving up for his personal goals. Living on a tight budget, he wants a simple coverage.

    Suggested PremiumRM266.00
    Get Quote
  • Machinery Operator

    Frequently exposed to dust and fumes, Vincent currently at the age of 36 decided to get himself an extensive medical plan.

    Suggested PremiumRM779.00
    Get Quote
  • Business Traveller

    Mr. Wong is a regional director at a age of 50 who has plentiful of cash to invest in medical plan

    Suggested PremiumRM1360.00
    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.

How to Claim

If you have paid for your medical bills in advance, follow the easy steps below to get reimbursed subject to claim approval.

  1. Complete and submit a claims form that you can obtain from Medijaring by contacting one of their customer representatives at 1300 88 6334 or send an email to [email protected]
  2. Attach your original bill, receipt and medical reports together with your completed claims form and send them over.
  3. Make sure you get everything submitted within 30 days from discharge to qualify for reimbursement.

Well, who is Medijaring? Medijaring is a third party administrator appointed by Etiqa to manage and facilitate the hospitalisation and claims processes.This is to ensure your claim is being attended swiftly with minimum delay.

Medical Assistance Hotline & Services
 1300886334 24-Hour Emergency Assistance
Maybank Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 year of age
Maximum Entry Age
At most 59 years of age
Coverage Expiry Age
At most 75 years of age

Frequently Asked Questions about Maybank Takaful MediRider

Things you might want to know

How does Maybank Takaful MediRider work?

The Maybank Takaful MediRider is a Shariah-compliant medical coverage policy. A medical card will be issued once you've signed-up, which you can use at any Maybank panel hospitals for hassle-free and fast admission.

As a rider plan, you can attach Medirider to selected Maybank family Takaful plans for added peace of mind. You can also upgrade your policy to Takaful MediRider Plus to access better treatment facilities and room upgrades during hospitalisation - fancy a private room?

Who can apply for this medical policy?

Malaysians or permanent residents between 30 days to 59 years old are eligible to subscribe for Maybank Takaful MediRider. The expiry age for this plan is 75 years old.

Do I need to pay any medical costs?

Yes, but you only need to pay a co-takaful rate of 10% of each medical claim you make. This co-takaful arangement is the cost you have to share with Maybank. For example, if your total medical bill is RM30,000, all you need to pay is RM3,000. Maybank will cover the rest for you, which is the remaining RM27,000.

What if the hospital’s room and board rates are higher than what's covered?

Not to worry, your hospital bills are still covered by Takaful MediRider. The co-payment requires that you pay 20% of your medical bills, while the co-takaful (of 10%) is also applicable on the remaining 80% of medical costs. So in total, you’ll have to pay 28% of your medical bills.

Let’s show you an example where you’ve taken up Takaful MediRider 100 package, with a limit on room and board rate of RM100 per day. But you chose to upgrade your room above the covered amount and the total bill come up to RM8,000.

You’ll have to pay 20% of your medical expenses, which is RM1600; Maybank is supposed to pay 80% of the bill or RM6,400. But because you have to pay the co-takaful which is 10% of that amount, you’ll have to pay another RM640. So your total costs works out to be only RM2,240.

Well, how much can I be insured for?

You'll get complete medical coverage for up to RM100,000 annual and RM300,000 lifetime limit, inclusive of in-patient income benefit for up to RM450 each day.

Not only that, you'll also be covered for RM200 Ambulance fees and RM20,000 compensation in the event of your accidental death.

How do I make my claims to Maybank?

You can submit your claims for hospital bills, government hospital allowance and accidental death benefits payment to Medijaring, a third party administrator that is appointed by Maybank to manage your financial claims. Medijaring is registered with the Ministry of Health and Bank Negara Malaysia.

Read More