Cashless admission
At panel hospitals, get admitted without paying upfront via a Guarantee Letter (GL). Takaful Malaysia settles the bill directly with the hospital.
Medical card · Takaful Malaysia
Takaful myMediValue
Malaysia’s first fully-digital medical takaful card.
An individual medical plan, renewed yearly, covering hospitalisation, surgery and selected outpatient benefits. Fully digital — applications, certificates and the e-medical card are all managed online.
What this plan covers
No lifetime limit
Only an annual limit, which refreshes every certificate year. No lifetime ceiling.
E-medical card
A fully digital product — save the e-medical card on your phone and show it at hospital admission.
Outpatient coverage
Includes outpatient cancer treatment, kidney dialysis, and emergency accidental outpatient care.
Renewable to age 85
Guaranteed yearly renewal up to age 85 (contribution rates are not guaranteed and follow medical costs).
Tax-relief eligible
Medical plan contributions qualify for income tax relief, subject to the LHDN’s final decision.
Plan comparison
| Standard | Pro | Max | |
|---|---|---|---|
| Daily room & board | RM100 | RM150 | RM200 |
| Intensive Care Unit (max 60 days) | As charged | As charged | As charged |
| Daily cash allowance (govt hospital) | RM100 | RM100 | RM100 |
| Lifetime limit | None | None | None |
| Coverage term | To age 85 | To age 85 | To age 85 |
Overall annual limits — please refer to the Product Disclosure Sheet (PDS). The MediBooster rider can raise the annual limit, but can only be added at initial application.
Important to know
Waiting periods
- Accidental injury — none
- General illness (non-accidental) — 30 days
- Specified illnesses (diabetes, cancer, heart, etc.) — 120 days
- Pre-existing conditions — not covered
Key exclusions
- Pre-existing conditions
- Pregnancy or childbirth
- Cosmetic/elective surgery, corrective lenses, hearing aids
- Mental or nervous disorders
- Dental care (unless from an accident)
- Alternative therapies (acupuncture, chiropractic, reflexology)
- Overseas treatment if abroad more than 90 consecutive days
Good to know
- 30-day grace period for each contribution
- 15-day free-look period for cancellation & a full refund
- Room & board plans cannot be upgraded after the certificate is issued — choose carefully at application
- Worldwide cover, but no benefit if abroad more than 90 consecutive days
Using your card & getting started
- Panel hospital: contact MiCare at 1800 88 7940 for a Guarantee Letter (GL), show your e-medical card, and Takaful Malaysia settles the bill directly.
- Non-panel hospital: pay first, then submit the claim form with supporting documents for reimbursement.
- Register on the myTakaful Customer portal and download the Click for Cover + MyMed apps.
- Save your e-medical card on your phone for cashless admission.
Common questions
What is Takaful myMediValue?
A fully-digital individual medical takaful card from Syarikat Takaful Malaysia Keluarga, renewed yearly up to age 85, with cashless admission at panel hospitals.
Is there a lifetime limit?
No lifetime limit. The annual limit refreshes every certificate year.
Can I use it overseas?
Yes — benefits apply worldwide. However, no benefit is payable if you are abroad for more than 90 consecutive days. Overseas treatment is reimbursed based on the equivalent local cost in Malaysia.
Can I upgrade my plan?
No. Room & board plan upgrades are not allowed after the certificate is issued. The MediBooster rider can also only be added at initial application — so choose carefully from the start.
What if I miss a payment?
There is a 30-day grace period. If still unpaid, the certificate lapses. You may apply for reinstatement within 1 year of the lapse date, subject to Takaful Malaysia’s approval.
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. For the actual benefits, limits and terms, please refer to the Product Disclosure Sheet (PDS) and your takaful certificate. Takaful myMediValue is operated by Syarikat Takaful Malaysia Keluarga Berhad. Benefits are protected by PIDM subject to limits. Raff Abdullah is a Marketing Representative under Capspring Temasik, not a licensed financial adviser.
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