What is MHinsure Takaful Basic about?
MHinsure offers travel Takaful protection plan, which is underwritten by Etiqa General Takaful Berhad, with Assistance Services provided by Cover-More.
This basic Takaful plan gives you access to coverage and benefits such as 24-hour Emergency Medical and Travel Assistance, Emergency Medical and Dental, Accidental Death and Disablement, travel inconveniences, personal liability, home protection among others!
Click here to view Takaful Domestic Product Disclosure Sheet
Click here to view Takaful International Product Disclosure Sheet
Who is eligible to apply for this travel Takaful?
Any individuals aged between 18 to 70 years old can apply for this travel Takaful plan. This basic Takaful plan is offered to you (individual) and Family (up to a maximum of ten persons).
In the Family Coverage, this Takaful is extended to max 2 adults with up to 8 children and/or up to 7 children and a domestic servant.
If you want cover your children, they must be maximum 20 years old (under 21 years old), provided that they are not married and still pursuing tertiary education.
Those aged 70 years old and above can also apply for this travel Takaful plan under the Senior category.
What are some of the key benefits?
|
Travel Takaful Key Benefits |
Domestic Basic Takaful Plan (Single Trip Only) |
International Basic Takaful Plan (Single Trip Only) |
| Emergency Medical and Dental Expenses | Up to RM25,000 |
Up to RM200,000 (Adults)
Up to RM25,000 (Seniors) Up to RM50,000 (Dependent) |
| Emergency Medical Assistance or Evacuation |
Up to RM200,000
(in Malaysia) |
Unlimited |
| Hospital Allowance | - | Up to RM5,000 |
| Repatriation of Mortal Remains | Up to RM150,000 | Unlimited |
| Return of Minor Children / Child Care | Up to RM10,000 | Up to RM15,000 |
| Badal Hajj | - | Up to RM2,000 |
| Ihsar | - | Up to RM2,000 |
| Accidental Death & Disablement |
Up to RM100,000 (Adults)
Up to RM50,000 (Seniors) Up to RM6,250 (Dependent) |
Up to RM200,000 (Adults)
Up to RM50,000 (Seniors) Up to RM6,250 (Dependent) |
| Trip Cancellation |
Up to RM3,500
|
Up to RM5,000 |
| Trip Curtailment | Up to RM3,500 | Up to RM5,000 |
| Personal Liability | Up to RM500,000 | Up to RM500,000 |
How many days can I be protected per trip?
It depends on whether you are traveling locally or abroad. For those travelling within Malaysia, a domestic plan will keep you covered for up to 30 days per trip.
Whereas for those travelling abroad, you can be insured for maximum 90 days. Any amendment to your travel dates must be done 24 hours before the day of your departure.
How much contribution do I have to pay?
| Single Trip Duration | Basic Takaful Contribution | Geographical Coverage |
| Up to 30 days |
Within Malaysia: RM22 (Individual) RM28 (Family) |
Domestic |
| Up to 31 days |
Regional / Asia (selected Asian countries): RM33 - RM106 (Individual) RM46 - RM133 (Family) Worldwide (excluding USA & Canada): RM46 - RM152 (Individual) RM65 - RM191 (Family) Worldwide (including USA & Canada): RM55 - RM214 (Individual) RM85 - RM268 (Family) |
International |
What sets this basic Takaful travel protection plan apart?
Domestic Contribution
The contribution for domestic plan remains the same for up to 30 days. Therefore, if you frequently travel within Malaysia in a month, this is the most valuable plan you can get in the market.
Additional Takaful Benefits
For Muslims performing Umrah and Hajj, this Takaful plan comes with additional benefits such as Badal Hajj and Ihsarr, at level contribution. In other words, the contribution stay the same as that of the conventional plan.
Cashless Hospitalization
In the event of overseas hospitalization or repatriation or medical evacuation, MHinsure provides cashless hospitalization, which is guaranteed by Cover-More. What can they do is they will pay for medical expenses incurred directly to the hospital on your behalf.
*Terms and conditions apply
How do I submit a claim?
Any claims arising from medical and travel-related emergencies must be submitted to MHinsure within 30 days from the return date as shown on your Takaful certificate. First, you need to complete a claim form which can be downloaded from the website.
Then, you can send the form together with all relevant documents to support your claims such as reports, valuation, medical reports and so on through the Online Claims system or email to [email protected]. In the meantime, do keep the original documents to yourself for future reference.
Any outpatient treatment will be based on 'pay and claim' basis where you'll pay first and get reimbursed later. In the event of hospitalization, MHinsure is to be notified via phone call and the procedures will subject to terms and conditions.
If you're unsure of anything with regards to claim, call MHinsure 24-Hour Claims Department Toll Free line at 1800 88 8777 (within Malaysia only) and +60 3 2263 5700 (International, please place a collect call/reverse charges) or alternatively, email [email protected].
Can I amend my travel dates on the certificate?
Yes, within 24 hours before your departure. If you've already purchased your flight ticket(s), you only need to provide your trip details for an instant quote and sign up for MHinsure Takaful plan online.
Can I sign up for Takaful travel protection for a one-way ticket?
There is an option to sign up for MHinsure for a one-way ticket but coverage will terminate on the same date or upon arrival at your final destination.
Do take note that you can only sign up for travel Takaful plan prior to your scheduled departure.
Can I cancel this certificate and get a refund of the contribution paid?
You may cancel this travel Takaful certificate by returning the document and the original certificate of Takaful before the departure date to entitle for a full refund of contribution.
If you cancel the plan after the departure date, you will not receive any refund at all.
