Takaful Malaysia

Underwritten by Syarikat Takaful Malaysia Berhad

Takaful myHealth Protector

Receive comprehensive coverage with a choice of up to 8 affordable medical plans to choose from. No co-takaful needed and get 15% cash back on your premiums!

    • Islamic
    • 1 Year No Claim Bonus At 15%
    • 15-Day Cancellation Refund

Apply online now for Takaful myHealth Protector

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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 RM100000 up to RM275000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 up to RM500per day
    • Consultation & Diagnostic Procedures
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 60 days per disability
    • 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 per day
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Outpatient Stroke Treatment
      Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      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
    • Funeral Benefits
      Cash compensation for funeral expenses if policyholder passes away during cover period.
      from RM3000
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      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
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM75 per day
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged per day up to 120 days
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged per year
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM80 per disability
    • Surgical Implants
      For orthopedic procedures that include the insertion of pins, rods, screws or plates.
      from RM300 per accident
    • Traditional Medical Treatment
      Charges for treatments such as chiropractic, chiropody, homeopathy, osteopathy and acupuncture after discharge from hospital.
      As Charged up to RM50 per visit
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Elise is only 23 and just gotten her first job. She can only commit to the lowest premium plan as a start.

    Suggested PremiumRM620.00
    Get Quote
  • Office Admin

    Nina is a finance executive in her early 30s. She wants to upgrade her old basic medical plan to a better one.

    Suggested PremiumRM1275.00
    Get Quote
  • Young Entrepreneur

    After working so hard to get her business on track, 29 years old Melissa finally can afford to get the best of all.

    Suggested PremiumRM1640.00
    Get Quote

Actual premium rates will be determined by Syarikat Takaful Malaysia 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

Regardless of which hospital you are at, be it panel hospital or non-panel hospital, Takaful Malaysia will ensure you of a hassle free claim experience.

Panel Hospital

Getting admitted to hospital isn't frustrating at all when you have Takaful Malaysia medical card. Just pass it to the hospital attendant upon admission and skip all the dreadful forms and queue!

Even your medical bills will be taken care of by Takaful Malaysia when you end your stay in the hospital. You only need to pay any excess or fees that are not covered by your policy at the point of discharge.

Non-panel hospital

Always remember to acknowledge Takaful Malaysia of any event that is about to happen or has happened that may result in a claim as soon as possible. There are a few ways you can reach them:

  • 1300 8825 2385
  • csu@takaful-malaysia.com.my
  • Visit directly to any of their branches

Fill in a claim form and furnish them with the following documents:

  • Original itemised bill
  • Original payment receipt
  • Physician's report

Finally, get ready all the documents above and submit them to your nearest Takaful Malaysia. They will inform you of the outcome of your claim very quickly.

Takaful Malaysia Customer Care Hotline

Panel Hospitals

Find a hospital or clinic near you!


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 85 years of age

Frequently Asked Questions about Takaful myHealth Protector

Things you might want to know

Tell me about the myHealth Protector

This medical insurance policy is one that comes with multiple affordable plans within it to ensure that it can be available to everyone. With 8 options to choose from, this takaful protection plan provides comprehensive coverage to all who choose it.

Say goodbye to exorbitant premiums and the stigma surrounding medical insurance as it is a useful tool to have in your back pocket for a rainy day.

What does it cover exactly?

As medical insurance plans go, this one also covers hospital room and board expenses, along with ICU charges. You will not have to worry about any charges relating to surgery, and the use of Hospital equipment.

This plan also provides a certain degree of outpatient care, taking into consideration you might need cancer treatment, some of you who take up this policy might also need kidney dialysis treatment or stroke treatment and follow up medical care. Therefore, these charges can all be covered by the policy.

You will also have access to home nursing care and emergency medical treatment should you need it.

Other benefits?

One of the best things about this particular plan is that if no claims have been made over the coverage period, then you may receive up to 15% cashback credited to you. On top of that with this takaful protection you will have 24-hour international and domestic emergency medical assistance.

Along with hassle free hospital admissions and bill settlement when you visit any of Takaful-Malaysia’s panel hospitals.

Who can get this policy?

Anyone over the legal age of 21 can pick up this plan as and when they please. Simply select which of the 8 plans works best for you and falls into your preferred budget. For you parents, who would like to purchase this plan for your child, they will need to be 30 days old to be eligible.

The maximum entry age for this plan is 70 years old. After which, you can renew the plan up until you turn 85 years old.

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