Takaful IKHLAS Kembara Plus Takaful-Hajj & Umrah (Basic Plan)

Ensure your safety and protection plans are in place when you make a Hajj and/or Umrah trip for enlightenment. Take your whole family with you on this journey under the care of Takaful IKHLAS.

Takaful IKHLAS Kembara Plus Takaful-Hajj & Umrah (Basic Plan)
Personal Accident
up to RM20k
Medical Expenses
up to RM1k
Trip Cancellation
Not covered
Travel Delay
Not covered
Lost Baggage
Not covered
Cashless Medical Care
Not covered
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Contact Info

Who do I contact for any inquiries?

Takaful Ikhlas Hotline

Regions Covered

Which regions are covered by this plan?

Worldwide (Area 2)

Included Countries:

  • Saudi Arabia

Excluded Countries:

  • All other Countries but Saudi Arabia


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

Premiums for Worldwide (Area 2)


What can I claim from this insurance policy?

Personal AccidentWorldwide (Area 2)
Accidental Death
The worst thing that could ever happen while you're on holiday
  • RM20k individual
  • RM20k per adult
  • RM5k per child
  • RM - family
Permanent Disability
An accident that leaves you unable to work or care for your family
  • RM20k individual
  • RM20k per adult
  • RM5k per child
  • RM - family
Funeral Expenses
RM1k for all
Medical RelatedWorldwide (Area 2)
Medical Expenses
Cover for hospital charges related to accident and injury
  • RM - all
  • RM1k per adult
  • RM500 per child
Emergency Medical Evacuation
RM2k for all
Repatriation of Mortal Remains
RM2k for all
Compassionate Visitation
RM1k for all
Travel InconvenienceWorldwide (Area 2)
Loss of Travel Documents
RM300 for all
Badal Haji (for Muslim only)
  • RM2.5k individual
  • RM0 per adult
  • RM0 per child
Loss Of Deposit Due To Abscondment Or Insolvency Of Travel Agency
RM4.5k for all
Loss of Luggage and Personal Belongings
You might arrive safely at your destination, but will your suitcase?
  • RM150 individual
  • RM0 per adult
  • RM0 per child
  • RM250 family
Qurban (for Muslim only)
RM750 for all
Loss Of Deposit Due To Insolvency Of Airlines
RM4.5k for all

Fees & Charges

Stamp Duty Fee


Are you eligible to apply for this insurance?

Single Trip For Individuals
   Between 18 and 80 years of age
Children Travelling With Family Per Child
   Between 30 days and 21 years of age

More Information

What is Takaful IKHLAS Kembara Hajj and Umrah Takaful (Basic Plan)?

This is shariah-compliant travel insurance created by Takaful Ikhlas, aimed to provide you with the necessary protection against when you decide to make your pilgrimage for Hajj and Umrah.

Takaful IKHLAS Kembara Hajj and Umrah Takaful (Basic Plan) is specifically created for both your travel and safety during your pilgrimage and provides compensation in the event of injuries, total and permanent disability, or death. 

There are 3 plans in total; Basic Plan, Intermediate Plan, and Premium Plan. Each Takaful Ikhlas plan comes with a different level of coverage and premiums.

For illustration purposes, the Tables above display the coverage and premiums for the Basic Plan.

Who is Eligible to Apply for This Travel Insurance?

Anyone over the age of 18 is eligible for enrollment in this travel insurance plan. 

If you are traveling as a family, the age constraints for your children are between 30 days and 21 years of age. 

Coverage will extend to the maximum age of 80 years old.

What are the Benefits of This Takaful Ikhlas Travel Insurance?

The table above is a representation of benefits offered with the Premium plan. 

However, you will also receive additional coverage for Reimbursement of Deposit or Full Payment if Air Tickets or Tour Packages due to the liquidation of the Agency provided it is within 3 months of purchase.

Some of the special benefits included in Takaful IKHLAS Kembara Hajj and Umrah Takaful (Basic Plan) are coverages for Badal Haji, Wakaf Services and Qurban Services.

All three benefits are available in all three plans.

How Long Can My Takaful Ikhlas Policy Protect Me?

The Takaful Ikhlas travel insurance policy will protect you up to 31 days or the length of your pilgrimage. 

It is a single trip plan so you may choose to either purchase the plan for up to 14 days, up to 22 days or more than 23 days.

What are the Fees and Charges?

All usual insurance fees and charges apply as stated in the Fees section above. 

However, there is one additional Takaful Management Expense charge which will amount to 35% of your Takaful Contribution.

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