MHinsure Takaful Value

Affordable travel Takaful plan by MHinsure that offers cashless hospitalization, Badal Hajj and Ihsar benefits, fixed domestic premium and Enrich Miles on Annual Trip plan. Get covered now from as low as RM29 for up to 30 days domestically.

MHinsure Takaful Value
Personal Accident
up to RM250k
Medical Expenses
up to RM150k
Trip Cancellation
Not covered
Travel Delay
up to RM3.3k
Lost Baggage
up to RM5k
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
RM30k for all
Emergency Dental Treatment
RM1k for all
Medical Evacuation
Fees can be astronomical - better to be safe at home than broke
RM200k for all
Hospital Allowance
RM1k 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
RM1k for all
Follow-up Treatment in Malaysia
Your treatment and recovery might take a while
Not covered
Alternative Medicine
Not covered
Emergency Medical Evacuation
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
RM2.8k 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
Departure Delay
Someone should pay if you're late leaving for your holiday!
RM1.8k 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
RM750k 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

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

What is MHinsure Takaful Value?

MHinsure Takaful Value is a travel protection plan issued by Etiqa General Takaful Berhad, with Assistance Services provided by Cover-More.

At a slightly higher price, this value plan offers you 24-hour Emergency Medical and Travel Assistance, Emergency Medical and Dental, Accidental Death and Disablement, travel inconveniences, personal liability, home protection and more!

Click here to view Takaful Domestic Product Disclosure Sheet

Click here to view Takaful International Product Disclosure Sheet

Am I eligible to apply for this travel Takaful plan?

Yes, as long as you meet the age requirement, which is between 18 to 70 years old.

This Takaful value plan is offered to:

  • you (individual), 
  • you and your spouse, and 
  • 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 can be insured at a maximum age of 20 years old (under 21 years old) provided that if he/she is unmarried and still pursuing tertiary education. Otherwise, those aged 18 years old and above need to sign up for an individual certificate.

What are some of the key benefits?

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

(Single & Annual Trips)
Emergency Medical and Dental Expenses Up to RM30,000 Up to RM400,000 (Adults)
Up to RM150,000 (Seniors)
Up to RM150,000 (Dependent)
Emergency Medical Assistance or Evacuation Up to RM200,000
(in Malaysia)
Overseas Hospital Allowance Up to RM1,000
Up to RM15,000
Repatriation of Mortal Remains Up to RM150,000 Unlimited
Emergency Travel and Accommodation Expenses Up to RM1,000 Up to RM5,000
Badal Hajj - Up to RM2,000
Ihsar - Up to RM2,000
Accidental Death & Disablement Up to RM125,000 (Adults)
Up to RM50,000 (Seniors)
Up to RM6,250 (Dependent)
Up to RM250,000 (Adults)
Up to RM100,000 (Seniors)
Up to RM12,500 (Dependent)
Luggage & Personal Effects Up to RM2,750 Up to RM5,000
Loss of Travel Documents Up to RM1,500 Up to RM5,000
Travel Delay Up to RM1,750 Up to RM3,250
Departure Delay Up to RM1,750 Up to RM3,250
Flight Overbooking - Up to RM200
Trip Cancellation Up to trip value
Up to RM20,000
Trip Curtailment Up to trip value Up to RM20,000
Personal Liability Up to RM750,000 Up to RM1,000,000

How much contribution do I have to pay?

The contribution takes into account the number of covered persons ie. individual or family, current age, level of coverage (Basic, Value & Premier), coverage area and the duration of your trip.

The duration of trip can be a single trip or an annual trip, which is renewable every year.

Here's the summary table:

Trip Duration Takaful Value Contribution
Takaful Value Contributon
Geographical Coverage
Up to 30 days Within Malaysia:
RM29 (Individual)
RM36 (Family)
- Domestic
Up to 31 days Regional / Asia (selected Asian countries):
RM42 - RM131 (Individual)
RM56 - RM164 (Family)

Worldwide (excluding USA & Canada):
RM57 - RM187 (Individual)
RM78 - RM234 (Family)

Worldwide (including USA & Canada):
RM72 - RM265 (Individual)
RM97 - RM332 (Family)
Regional / Asia (selected Asian countries):
RM260 (Individual)
RM494 (Individual and spouse)
RM564 (Family)
Worldwide (excluding USA & Canada):
RM350 (Individual)
RM666 (Individual and spouse)
RM762 (Family)
Worldwide (including USA & Canada):
RM370 (Individual)
RM704 (Individual and spouse)
RM840 (Family)

What makes this travel Takaful protection plan unique?

Get Enrich Miles

For every RM1 spent on an ANNUAL PLAN, you earn 1 Enrich Mile, which is a frequent flyer program by Malaysia Airlines. For example, the contribution for an annual trip plan to the US for Individual is RM370, which is equal to 370 Enrich Miles.

To see how much Enrich Miles is required for Economy and Business Classes, please refer to the table below:

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 Takaful Benefits

MHinsure Takaful Value plan also comes with additional benefits such as Badal Hajj and Ihsarr, for the Muslims during their pilgrimage trip. These benefits, however, come at zero cost and do not add on to your current contribution.

Fixed Domestic Contribution

The contribution or domestic contribution in the plan remains the same for up to 30 days, unlike the international plan and other domestic travel Takaful in the market. 

You will have the option to upgrade your current plan's sum insured to a higher one by purchasing the Premier plan and request for a refund on your current plan signed up.

Cashless Hospitalization

This plan also comes with a cashless hospitalization benefit for medical-related emergency events such as overseas hospitalization or repatriation or medical evacuation. This benefit is guaranteed by Cover-More, who will settle all claims directly to the hospital.

*Terms and conditions apply

What is the price difference between Takaful and conventional?

Takaful products are actually open to all - both Muslims and non-Muslims customers with similar prices and benefits.

The only difference in benefits is that Takaful plan carries two (2) extra benefits which are Badal Hajj and Ihsarr benefits (Muslim pilgrimage). As mentioned above, contributions of Takaful plans remains the same albeit the additional benefits.

How do I submit a claim?

It is important that your claims for medical and travel-related emergencies must be submitted within 30 days upon the date of your return to Malaysia. You are required to complete the claim form, which can be downloaded from MHinsure's website.

You can send the form along 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]. Original documents may be required later on for auditing purposes.

In the event of hospitalization, you must alert MHinsure via a phone call to activate the cashless hospitalization. However, outpatient treatment expenses will have to be paid by you first and be reimbursed later.

For around the clock claims enquiries, 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, on a condition that the amendment must be made within 24 hours before your travel date. You must sign up for the travel Takaful plan prior to your scheduled departure.

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

Yes. The one-way travel Takaful coverage will terminate once you have arrived at your final destination or on the same date. You can sign up for MHinsure together with your flight tickets.

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.

Can I cancel this certificate and get a refund of the contribution paid?

The refund of the contribution of this travel Takaful certificate depends on the cancellation time, whether BEFORE or AFTER departure date. 

If you signed up for the certificate and decide that you don't want it anymore, you must return the document and the original certificate of Takaful BEFORE your departure date to qualify for a full refund of contribution. You must also provide a written confirmation that you would not want to make any claim or exercise any rights under the certificate.

If you signed up for the certificate and decide to cancel it AFTER your departure date, no refund will be given to you.

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