Cashless admission
At panel hospitals, get admitted without paying upfront via a Guarantee Letter (GL). Takaful Malaysia settles the bill directly with the hospital.
Welcome aboard 
Raff Abdullah Your Marketing Representative · Capspring Temasik
Congratulations: you’re now covered by Takaful myMediValue.
You just did something big for the people you love. Now you can breathe a little easier. There are only a few simple steps left, and I’ll be right beside you for each one.
Tak susah. Janji faham.
Raff Abdullah Your Marketing Representative · Capspring Temasik This is your onboarding guide to help you get started. Save it and refer back whenever you need help, or just message me.
Onboarding · step by step
Let’s get you set up, one step at a time.
7 simple steps · just a few minutes
- 1
Save my number, the most important step. Tap the button; your Contacts open with my details already filled in. Just tap Save. So you can reach me anytime, especially in an emergency, and get important updates. I also send urgent alerts by WhatsApp broadcast, and WhatsApp only delivers a broadcast to people who have saved my number, so save it to make sure you never miss one. ＋ Save my numberMy number: 012-216 9041
- 2
Register your account. Sign up on the myTakaful Customer portal: this is where you check your details, manage your plan, and download your documents.
- 3
Download your app. Get the Takaful Malaysia app (Google Play · App Store) to view your e-medical card and plan info.
- 4
Check your details & download your e-certificate. In the portal/app, confirm your full name, IC number, date of birth and nominee are correct, then download your e-certificate and share a copy with your family or next of kin. If anything’s wrong, message me and we’ll fix it.
- 5
Save your e-medical card on your phone. Show it at a panel hospital’s registration counter for cashless admission.
- 6
Hospital admission & Guarantee Letters (GL) are handled by MiCare. For cashless admission, contact MiCare at 1800 88 7940 (or email callcenter@micaresvc.com). Download the MiCare app to track your GL & admission status.
- 7
Find a panel hospital. Check the panel list and choose MiCare as the provider. At a non-panel hospital, pay first then claim reimbursement from Takaful Malaysia.
Important: make sure your full name, IC number and nominee are exactly correct. Wrong details can delay or affect your claim. Spot anything off? Message me right away and we’ll fix it.
What you’re covered for
Here’s the core protection you get with Takaful myMediValue:
The figures on this page are the plan’s standard benefits. Your actual sum covered, limits and riders depend on the plan you chose. Always refer to your own policy (certificate & PDS) for your exact numbers.
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.
What differs between Standard, Pro and Max
Not sure which plan you’re on? Check your app or policy to see the plan you chose.
| Benefit | Standard | Pro | Max |
|---|---|---|---|
| Daily room & board | RM100 | RM150 | RM200 |
Identical on all three packages: Intensive Care Unit (max 60 days) as charged; RM100 daily cash allowance at a government hospital; no lifetime limit; and coverage to age 85.
Daily room & board is the only benefit that changes between packages. It sets the ward class you’re entitled to. 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 things 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
Questions you might have
What is Takaful myMediValue?
A yearly-renewable individual medical takaful card covering hospitalisation, surgery and selected outpatient treatment up to an annual limit. Fully digital, with cashless admission at panel hospitals.
Who can apply, and at what age?
An individual aged 19 to 69 (next birthday) can apply. As a parent, you can also apply for your child aged 6 to 18. No medical examination, just a few online health questions.
How do I use my e-medical card?
Simply present your e-medical card at a panel hospital’s registration counter for admission. You receive the card by email after a successful application, and can re-download it from the myTakaful Customer portal.
What is the deductible?
An amount you pay yourself for any one disability before benefits are payable. Options are RM0 (full coverage), RM2,000 or RM3,000. Some benefits are never subject to it: room & board, daily cash at a government hospital, and emergency / outpatient cancer / outpatient dialysis treatment. Check your policy for your deductible option.
Is there a lifetime limit?
No lifetime limit: only an annual limit, which is fully reinstated every certificate year (once the contribution is paid).
Can I upgrade or downgrade my plan?
Room & board upgrades are not allowed after the certificate is issued; downgrades are allowed (90 days before the certificate anniversary, no underwriting). The MediBooster rider can only be added at application.
Can I use it overseas?
Yes, if you’re outside Malaysia for no more than 90 consecutive days. Reimbursement is based on the equivalent necessary treatment cost in Malaysia.
What if I miss a payment?
There’s a 30-day grace period from the contribution due date. If still unpaid, the certificate lapses and cover ceases. Reinstatement is 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.
More ways I can help
Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.
I’m here for you
I’ve got you, all the way through to claims.
From here, you’re not on your own. To ask something, make a claim, or just double-check anything, text or call me anytime.
Message Raff on WhatsAppor call me at 012-216 9041
Raff Abdullah