MHinsure Takaful Basic

Be it domestic or overseas, travel safely with MHinsure Takaful Basic. Offering fixed domestic premium, cashless hospitalization and additional benefits for Muslims pilgrimage - all at an affordable premium.

MHinsure Takaful Basic
Personal Accident
up to RM200k
Medical Expenses
up to RM25k
Trip Cancellation
up to RM5k
Travel Delay
up to RM2.4k
Lost Baggage
up to RM2.5k
Cashless Medical Care
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Contact Info

Who do I contact for any inquiries?

MHinsure Hotline

Regions Covered

Which regions are covered by this plan?

Domestic (Area 1)

Includes West and East Malaysia

Asia (Area 1)

Included Countries:

  • Bangladesh
  • Bhutan
  • Brunei
  • Cambodia
  • China
  • Hong Kong
  • India
  • Indonesia
  • Japan
  • Laos
  • Macau
  • Maldives
  • Myanmar
  • Pakistan
  • Philippines
  • Sikkim
  • Singapore
  • South Korea
  • Sri Lanka
  • Taiwan
  • Thailand
  • Timor Leste and Vietnam
Worldwide (Area 2)

Excluded Countries:

  • USA
  • Canada
Worldwide (Area 3)

Included Countries:

  • USA
  • Canada


How much must I pay to be insured during my travels?

Premiums for Domestic (Area 1)


What can I claim from this insurance policy?

Personal AccidentDomestic (Area 1)
Accidental Death
The worst thing that could ever happen while you're on holiday
  • RM - individual
  • RM0 per adult
  • RM0 per child
  • RM50k senior
Permanent Disability
An accident that leaves you unable to work or care for your family
  • RM - individual
  • RM0 per adult
  • RM0 per child
  • RM50k senior
Child Education
Not covered
Medical RelatedDomestic (Area 1)
Medical Expenses
Cover for hospital charges related to accident and injury
RM25k for all
Dental Expenses
RM1k for all
Emergency Medical Evacuation
RM200k for all
Repatriation of Mortal Remains
RM150k for all
Compassionate Visitation
RM2k for all
Child Care
Need a childminder whilst you're in hospital? No problem
RM10k for all
Emergency Travel & Accommodation
RM500 for all
Emergency Dental Treatment
Not covered
Follow-up Treatment in Malaysia
Your treatment and recovery might take a while
Not covered
Alternative Medicine
Not covered
Hospital Allowance
Not covered
Quarantine (Pandemic Influenza)
Not covered
Emergency Telephone & Internet Charges
Not covered
Travel InconvenienceDomestic (Area 1)
Loss or Damage of Personal Property and Baggage
RM2.5k for all
Loss of Travel Documents
RM1.5k for all
Luggage Delay
You might arrive safely at your destination, but will your suitcase?
RM500 for all
Travel Delay
Get compensated for late arrival at your holiday destination
RM1.8k for all
Missed Connecting Flight or Transport
Don't worry about the cost of missing the next connection
RM1k for all
Travel Cancellation
Cover for an unexpected incident that forces you to cancel your trip
RM3.5k for all
Trip Curtailment
RM3.5k for all
Get covered for every travellers worst nightmare
RM1k for all
Personal Liability
RM500k for all
Departure Delay
Someone should pay if you're late leaving for your holiday!
RM1.8k for all
Badal Haji (for Muslim only)
Not covered
Ihsar (for Muslim only)
Not covered
Loss of Money
Carrying a lot of cash is risky. Don't keep it all in once place!
Not covered
Missed Connecting Flight
Not covered
Home Care
Loss or damage to your home and contents when you are away
Not covered

Fees & Charges

Stamp Duty Fee
No Fee


Are you eligible to apply for this insurance?

Single Trip For IndividualsFor Seniors
   Between 18 and 70 years of ageAt least 71 years of age
Children Travelling With Family Per Child
   At most 20 years of age

More Information

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
Basic Takaful Plan
(Single Trip Only)
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)
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)
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)

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.

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