MHinsure Takaful Value

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?

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:

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:

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.