MHinsure Takaful Premier

From medical to travel inconveniences and additional benefits such as Badal Hajj, Ihsar, golf equipment and bicycle coverage, MHinsure Takaful Premier has got your back. Plus, get cashless hospitalization, fixed premium income and Enrich Miles on Annual Trip plan too.

MHinsure Takaful Premier
Personal Accident
up to RM300k
Medical Expenses
up to RM250k
Trip Cancellation
Not covered
Travel Delay
up to RM4.2k
Lost Baggage
up to RM7.5k
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
RM35k for all
Emergency Dental Treatment
RM1k for all
Medical Evacuation
Fees can be astronomical - better to be safe at home than broke
RM250k for all
Hospital Allowance
RM1.5k 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
RM1.5k for all
Follow-up Treatment in Malaysia
Your treatment and recovery might take a while
Not covered
Alternative Medicine
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
RM3k for all
Loss of Travel Documents
RM2k for all
Luggage Delay
You might arrive safely at your destination, but will your suitcase?
RM750 for all
Travel Delay
Get compensated for late arrival at your holiday destination
RM2k for all
Departure Delay
Someone should pay if you're late leaving for your holiday!
RM2k for all
Missed Connecting Flight
RM1k for all
Travel Cancellation
Cover for an unexpected incident that forces you to cancel your trip
Unlimited for all
Trip Curtailment
Unlimited for all
Get covered for every travellers worst nightmare
RM1k for all
Personal Liability
RM1m 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
Flight Overbooked
Not covered
Home Care
Loss or damage to your home and contents when you are away
Not covered
Cancellation due to Delay
Not covered
Travel Re-route
Flight diversions add unnecessary expense - get yourself covered
Not covered
Loss Of Deposit Due To Insolvency Of Airlines
Not covered
Credit Card Indemnity
Not covered
Rental Car Excess
Not covered
Pet Care
Covers pet medical costs while you are away on your trip
Not covered
Golf Equipment
Not covered
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
Annual Plan 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

Tell me more about MHinsure Takaful Premier.

Issued by Etiqa General Takaful Berhad with Assistance Services provided by Cover-More, MHinsure Takaful Premier offers the highest insured amount of up to RM1,000,000 on overseas emergency medical and dental expenses.

Click here to view Takaful Domestic Product Disclosure Sheet

Click here to view Takaful International Product Disclosure Sheet

Being the premier plan, there is a wider range of benefits with higher coverage:

Travel Takaful Key Benefits
Takaful Premier Plan
(Single Trip Only)
Takaful Premier Plan

(Single & Annual Trips)
Emergency Medical and Dental Expenses Up to RM35,000 Up to RM1,000,000 (Adults)
Up to RM250,000 (Seniors)
Up to RM250,000 (Dependent)
Emergency Medical Assistance or Evacuation Up to RM250,000
(in Malaysia)
Overseas Hospital Allowance Up to RM1,500
Up to RM20,000
Repatriation of Mortal Remains Up to RM150,000 Unlimited
Emergency Travel and Accommodation Expenses Up to RM1,500 Up to RM7,500
Badal Hajj - Up to RM2,000
Ihsar - Up to RM2,000
Accidental Death & Disablement Up to RM150,000 (Adults)
Up to RM50,000 (Seniors)
Up to RM6,250 (Dependent)
Up to RM300,000 (Adults)
Up to RM100,000 (Seniors)
Up to RM12,500 (Dependent)
Luggage & Personal Effects Up to RM3,000 Up to RM7,500
Luggage Delay Up  to RM750 Up to RM1,500
Trip Cancellation Up to trip value
Up to trip value
Trip Curtailment Up to trip value Up to trip value
Personal Liability Up to RM1,000,000 Up to RM1,500,000

Several other noteworthy benefits that is unique to the Takaful Premier plan:

Unique Key Benefits to Takaful Premier
Takaful Premier Plan
(Single Trip Only)
Takaful Premier Plan

(Single & Annual Trips)
Cancellation due to delay - Up to RM500
Travel Reroute -
Up to RM200
Loss of Deposit / full payment due to Airline insolvency
Up to RM5,000
Loss of Credit Card / Fraudulent Use of Credit Card
Up to RM5,000
Rental Car Excess Cover
Up to RM1,000
Pet Care
Up to RM500
Loss or damage to sports equipment: Golf
Up to RM5,000
Loss or damage to sports equipment: Bicycle
Up to RM10,000

What is the eligibility criteria to sign up for Takaful Premier?

Individuals aged between 18 to 70 years old are eligible to apply for MHinsure Takaful Premier, whether or not you have purchased a flight ticket. You can sign up for this travel Takaful plan for:

  • yourself (individual),
  • you and your spouse, and
  • your family (up to a maximum of ten persons: max 2 adults with up to 8 children and/or up to 7 children and 1 domestic servant).

Dependents (children) are basically those under the age of 18 years old. However, if anyone is under 21 years old, not married and is still pursuing tertiary education, he/she remains eligible to be categorized as dependents

Otherwise, those over the age of 18 years old would need to sign up for their own individual certificate.

How much is the contribution?

The contribution for MHInsure Takaful Premier starts from as low as RM43. This contribution gets higher depending on several factors such as:

  • Number of covered persons
  • Current age
  • Level of coverage
  • Coverage area 
  • Duration of your trip
  • Single trip or annual trip (annual coverage is typically for one (1) year and the certificate is renewable every year).

Here's the summary table:

Trip Duration Takaful Premier Contribution
Takaful Premier Contributon
Geographical Coverage
Up to 30 days Within Malaysia:
RM43 (Individual)
RM54 (Family)
- Domestic
Up to 31 days Regional / Asia (selected Asian countries):
RM61 - RM164 (Individual)
RM71 - RM205 (Family)

Worldwide (excluding USA & Canada):
RM80 - RM235 (Individual)
RM101 - RM293 (Family)

Worldwide (including USA & Canada):
RM97 - RM331 (Individual)
RM121 - RM414 (Family)
Regional / Asia (selected Asian countries):
RM450 (Individual)
RM856 (Individual and spouse)
RM978 (Family)
Worldwide (excluding USA & Canada):
RM515 (Individual)
RM980 (Individual and spouse)
RM1,122 (Family)
Worldwide (including USA & Canada):
RM530 (Individual)
RM1,008 (Individual and spouse)
RM1,152 (Family)

What makes this travel Takaful protection plan unique?

Get Enrich Miles

For each contribution you have made on an ANNUAL PLAN, you will earn air miles from Enrich Miles, a frequent flyer program by Malaysia Airlines, with 1 Enrich Miles is equivalent to RM1 spent.

For example, if you're going to the US and have signed up for an Annual Plan for Individual and Spouse worth RM1,008, that means you earn 1,008 Enrich Miles.

Below is a table for some of the destinations and how much Enrich Miles is required for Economy and Business Classes, for your reference:

From Kuala Lumpur (one-way)Economy Class (Enrich Miles)Business Class (Enrich Miles)
Alor Setar, Johor Bahru, Kota Bharu, Kuala Terengganu, Kuantan, Langkawi, Penang2,50012,000
Bandar Seri Begawan, Pnom Penh, Jakarta, Bali, Medan, Surabaya, Yangon, Manila, Singapore, Bangkok, Phuket, Hanoi, Ho Chin Minh10,00020,000
Dhaka, Delhi, Bengaluru, Chennai, Mumbai, Hyderabad, Kochi, Kathmandu, Colombo18,00038,000
Beijing, Shanghai, Hong Kong, Taipei20,00040,000
Osaka, Tokyo, Seoul20,00055,000
Adelaide, Brisbane, Melbourne, Perth, Sydney30,00070,000

Additional Benefits for Takaful

That's not all, the contributions for this Takaful plan will remain unchanged even with added benefits such as Badal Hajj and Ihsarr (related to Muslim pilgrimage).

Cashless Hospitalization

Interestingly, this Takaful plan provides cashless hospitalization benefit and is guaranteed by Cover-More. In the event of overseas hospitalization or repatriation or medical evacuation, Cover-More will settle the claim directly to the hospital on your behalf.

However, if Cover-More is unable to arrange the expenses on your behalf, MHinsure will approve and reimburse the costs and expenses incurred from your own pocket when you return to Malaysia.

*Terms and conditions apply

Domestic Contribution

The contribution for domestic travel Takaful plan remains the same for up to 30 days as compared to the international plan. 

You can also choose to upgrade from a current plan (Basic) to a higher sum insured plan (Value or Premier) and request for a refund on your current plan.

What is the price difference between a Takaful and a conventional?

Takaful products are open to all Muslims and non-Muslims customers. There is no difference in contribution or contribution for both Takaful and conventional plans.

How do I submit a claim?

To submit a claim arising from medical expenses and travel inconveniences, you must do so within 30-day from the date of your arrival back to Malaysia.

You need to complete the claim form (download from the website) and attach together your relevant documents such as reports, valuation, medical reports etc to support your claim.

Submit your claim form with relevant documents to [email protected]. You must keep the original documents as they may be required later on by the Takaful provider.

For in-patient overseas hospitalization, you may notify MHinsure so they can assist you with cashless hospitalization. Whereas for outpatient treatment, you are to cover for the expenses first and get reimbursed later.

If you are still not sure of how to claim, you can 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, but you only have 24 hours before your departure to amend your travel dates.

Can I sign up for travel Takaful plan for a one-way ticket?

Yes, you can sign up for this Takaful plan for a one-way ticket. However, the coverage will terminate on the same date or upon arrival at your final destination.

When buying your flight ticket, you can also get MHinsure at the same time.

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 travel protection online.

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?

The refund of contribution after cancelling your travel Takaful plan is subjected to the timing of cancellation:

BEFORE departure date: A full refund of contribution will be given to you provided that you return the document and the original certificate of Takaful to MHinsure before your departure date. You must also not making any claims or exercise any rights under the certificate by providing them a written confirmation.

AFTER departure date: No refund of any part of contribution will be given to you when cancelling the certificate after your departure date.

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