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Takaful myHealth ProtectorSimply A Better Choice for Your Health
Takaful myHealth ProtectorB
Good Health is Wealth and worth
celebrating. However, healthcare costs
are increasing considerably day by
day which could put a serious financial
strain on you and your loved ones.
Introducing Takaful myHealth Protector
– A comprehensive medical plan that
offers the most attractive range of
inpatient and outpatient healthcare
benefits together with a 15% cash back
when you do not make any claim for
the year.
Takaful myHealth Protector 1
why Takaful myHealth Protector is a better choice for your health ?
As a person grows older, his or her chances of being diagnosed with chronic conditions will be greater. There is a high possibility that his or her retirement savings may be wiped out by the medical expenses to treat these conditions.
Our Takaful myHealth Protector lets you enjoy total peace of mind by taking care of your medical bills with no cost sharing up to age 85!
More and more people are finding it difficult to get the right medical plan they need at an affordable price.
Our Takaful myHealth Protector offers you 8 affordable and comprehensive medical plans to choose from.
Most people are concerned about the high out-of-pocket payments at the point of seeking care when they are already seriously ill.
Our Takaful myHealth Protector allows you to access hassle-free facility with no lifetime limit if your coverage is within the certificate conditions. You now have less to worry about when you are admitted into a hospital.
Many people usually ignore purchasing health insurance as they don’t want to incur premium costs. Furthermore there is a perception that insurance is only useful when there is a serious health problem and in the absence of that, they stand to get nothing in return.
Our Takaful myHealth Protector rewards you with 15% cash back when you do not make any claim for the year. This cash back could come in handy to help with other expenses.
In a globalizing world, healthcare should not be confined within national borders especially when one is faced with difficult health circumstances or choices regarding the treatment options. An option to access to highly specialized care in all around the world is definitely a valuable resource.
Our Takaful myHealth Protector provides you the option to seek overseas medical treatment, subject to the reasonable and customary charges in Malaysia.
5REASONS
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Fact
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Takaful myHealth Protector2
Choice of 8 comprehensive and affordable medical plans with no cost sharing
Hassle-free hospital admission and bill settlement at panel hospitals
Comprehensive coverage with no lifetime limit up to age 85 years
15% cash back for no claims
24-hour worldwide emergency referral assistance service
Choice of 8 comprehensive and affordable medical plans with no cost sharing
Comprehensive coverage with no lifetime limit up to age 85 years
Hassle-free hospital admission and bill settlement at panel hospitals
24-hour worldwide emergency referral assistance service
15% cash back for no claims
Takaful myHealth Protector offers you:
At a Glance
Takaful myHealth Protector 3
The benefits shall include:
What are the benefits ?
1 As charged based on Reasonable and Customary Charges, subject to the Overall Annual Limit2 Not guaranteed
(A) In-Patient and Daycare Surgical Benefits
Benefits (RM) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
1 Daily Hospital Room and Board (No limit on number of days)
150 200 250 300 350 400 450 500
Benefits (RM) Plan 1 - 8
2 Intensive Care Unit (Maximum 60 days per any one disability)
As charged 1
3 Surgical Fees (Including local second surgical opinion)
4 Anaesthetist Fees
5 Operating Theatre
6 Hospital Supplies and Services
7 In-Hospital Physician and Specialist Visit
8 Ambulance Fees
9 Day Surgery
10 Organ Transplant
11 Meals and Lodging in Hospital for Guardian (No limit on number of days)
As charged 1, up to RM75 per day
12 Medical Report Fee As charged 1, up to RM80 per any one disability
13 Daily Cash Allowance at Malaysian Government Hospital (No limit on number of days)
RM100
(B) Out-Patient Benefits & Other Expenses Plan 1 - 8
1 Pre-Hospitalization Benefit(Within 60 days before hospitalization)
As charged 1
2 Post-Hospitalization Benefit or Day Surgery Follow Up (Within 60 days after discharge)
3 Out-patient Cancer Treatment
4 Out-patient Kidney Dialysis Treatment
5 Out-patient Stroke Treatment
6 Home Nursing Care Benefit (Maximum 120 days per year)
7 Emergency Accidental Out-patient Treatment
8 Emergency Accidental Dental Treatment
9 Accidental Out-patient Alternative Medical Treatment As charged 1, up to RM50 per visit & RM300 per accident
10 Prosthesis As charged 1, up to RM300 per accident
Limits (RM) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Overall Annual Limit for (A) & (B) 100k 125k 150k 175k 200k 225k 250k 275k
Overall Lifetime Limit No Limit
(C) Additional Benefit Plan 1 - 8
Funeral Expenses RM3, 000
What’s more, you may receive a 15% cash back2 provided no claim has been made during the coverage period.
Takaful myHealth Protector4
Our 24-hour one-stop careline takes away your worries. Afflicted with a health condition and being far away in a foreign land with no immediate support can prove to be a difficult experience. Now, you can rest easy and have a peace of mind knowing that your well-being is taken care by Takaful myHealth Protector.
3Purely on referral arrangement; actual costs to be borne by member
International and Domestic Emergency Medical AssistanceEmergency medical evacuation and repatriation and medical assistance.
Car AssistanceEmergency towing and minor roadside repair, referral to service centre and car replacement assistance.
Travel AssistanceProvides information such as visa, inoculation requirements, weather information, assists in loss of luggage, etc.
Concierge ServiceAssists in restaurant reservation, flower and gift delivery service and ticket booking.
Emergency Referral Assistance Services3
24HOURS
Takaful myHealth Protector 5
Your contribution can be made annually or semi-annually. It is payable up to 85 years and charged according to your attained age at renewal.
Attained Age
(Next Birthday)
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Annual Contribution (RM)
1 – 5 1,005 1,210 1,400 1,605 1,835 2,085 2,360 2,665
6 – 10 795 955 1,095 1,255 1,425 1,615 1,825 2,055
11 – 35 660 785 895 1,020 1,155 1,305 1,470 1,650
36 – 40 785 935 1,075 1,225 1,390 1,575 1,775 2,000
41 – 45 960 1,150 1,325 1,520 1,730 1,960 2,215 2,500
46 – 50 1,210 1,460 1,690 1,940 2,210 2,515 2,845 3,220
51 – 55 1,345 1,625 1,880 2,160 2,465 2,800 3,175 3,585
56 – 60 1,900 2,305 2,675 3,080 3,525 4,020 4,560 5,165
61 – 65 2,945 3,595 4,185 4,835 5,545 6,335 7,200 8,170
66 – 70 4,450 5,455 6,365 7,360 8,455 9,665 11,000 12,485
*71 – 75 6,740 8,275 9,665 11,190 12,865 14,715 16,760 19,030
*76 – 85 11,225 13,785 16,120 18,670 21,475 24,565 27,985 31,790
(A) Male
Attained Age
(Next Birthday)
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Annual Contribution (RM)
1 – 5 920 1,105 1,275 1,460 1,665 1,890 2,140 2,415
6 – 10 730 875 1,000 1,140 1,295 1,465 1,655 1,865
11 – 35 620 735 840 955 1,080 1,220 1,375 1,545
36 – 40 815 975 1,120 1,275 1,450 1,640 1,855 2,090
41 – 45 995 1,200 1,380 1,580 1,800 2,045 2,315 2,615
46 – 50 1,255 1,520 1,760 2,020 2,305 2,625 2,975 3,365
51 – 55 1,395 1,690 1,955 2,245 2,565 2,920 3,310 3,745
56 – 60 1,970 2,400 2,790 3,215 3,680 4,195 4,765 5,400
61 – 65 3,060 3,740 4,365 5,045 5,790 6,615 7,530 8,545
66 – 70 4,415 5,415 6,330 7,325 8,420 9,625 10,965 12,450
*71 – 75 6,685 8,215 9,610 11,135 12,810 14,660 16,705 18,975
*76 – 85 11,125 13,690 16,020 18,575 21,375 24,465 27,885 31,690
(B) Female
*For renewal only
Table Of Contribution4
Note:A 6% Service Tax will be imposed on contribution due and payable by the organisation/business entity.
Takaful myHealth Protector6
Fees / Charges Description
Wakalah Fee • 30% of the contribution to pay for commission and other expenses
• Managed Care Charge5 of RM60 per annum
Tabarru’ Levied based on your attained age, gender and the chosen plan.
4All the contributions, fees and charges are not guaranteed and may vary in the future.5A service fee for medical plan.
End of Year Annual Contribution
(RM)
Any claims made?
Qualify for Cash Back?
Amount of Cash Back Received
(RM)
1 1,020 No Yes -
2 1,020 Yes No 153
3 1,020 No Yes -
4 1,020 No Yes 153
Q: Who is eligible to apply?
A: Takaful myHealth Protector is available to individuals between the ages of 30 days to 70 years next birthday.
Q: How does the cash back work?
A: If you do not make any claims in the previous year, we will reward you with 15% cash back on the total contributions paid which you will receive in the following year.
For example, a 30-year old male person covered with Takaful myHealth Protector (Plan 4) pays an annual contribution of RM1,020:
You will continue to receive the 15% cash back as long as no claims are made.
Q: Can I get tax relief when I participate in Takaful myHealth Protector?
A: Yes, you may qualify for tax relief, subject to the approval of Inland Revenue Board.
Fees And Charges4
What should you know ?
Takaful myHealth Protector 7
• Pre-existing Illness.
• Any claim due to Specified Illness occurring during the first one hundred and twenty (120) days of continuous cover.
• Any circumcision, plastic/cosmetic surgery and related treatment (including but not limited to double eyelids and acne) or its complications except as necessitated by Injury. Eye examination, corrective glasses, intraocular lens, visual repairmen due to refractive errors including but not limited to nearsightedness, farsightedness or astigmatism (Radial Keratotomy); the use or acquisition of external appliances or devices such as artificial limbs, external fixator, hearing aids (including cochlear apparatus) and any other internal implantable devices implanted pacemakers and prescriptions thereof except during hospital confinement.
• Dental conditions including dental treatment or oral Surgery except as necessitated by accidental Injuries to sound natural teeth occurring wholly during the Period of Takaful.
• Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law.
• Any treatment, therapy or surgical operation for congenital or
hereditary diseases, deformities or disabilities including but not limited to any diseases or disabilities of a newborn contracted prior to or during birth or within the first 14 days after delivery, including any of the resulted complications.
• Pregnancy or childbirth (including any diagnostic tests), abortion, miscarriage, or prenatal or postnatal care, surgical, mechanical or chemical contraceptive methods of birth control, test or treatment related to infertility or sterilization or sexual dysfunction or sex change procedures, including any of the resulted complications.
• Any medical care or treatment received primarily for experimental or investigative purposes, general physical or medical examinations, not incidental to treatment or diagnosis of a covered disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines, stem cell therapy, or examinations carried out by a Physician, or treatments specifically for weight reduction or gain or bariatric surgery.
• Any out-patient treatment or alternative medical treatment unless specifically provided under this plan.
• Treatment for injuries sustained while committing a crime or felony, or while under the influence of alcohol, narcotics, or mind altering substance or injuries which are self inflicted while sane or insane.
What is not covered?
Takaful myHealth Protector8
• War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
• Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.
• Expenses incurred for donation of any body organ by a Person Covered and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.
• Investigation and treatment of sleep apnoea and snoring disorders, hyperhidrosis treatment, hormone replacement therapy including but not limited to sex hormone therapy and other alternative therapy or treatment such as but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone-setting, herbalist treatment, hyperbaric oxygen therapy, massage or aroma therapy.
• Care or treatment for which payment is not required or to the extent which is payable by any other Takaful/
insurance or indemnity covering the Person Covered and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Takaful/Insurance Contract.
• Psychotic, mental or nervous disorder (including any neuroses and their physiological or psychosomatic manifestations).
• Costs/expenses of services of a non-medical nature, such as television, telephones, broadband services, radios or similar facilities, admission kit/pack, and other ineligible non-medical items.
• Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.
• Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.
• Any other causes prohibited by Shariah, subject to the discretion of Our Shariah Advisory Body.
Please also note that Takaful myHealth Protector does not cover any medical treatment received by the person covered outside Malaysia, if the person covered resides or travel outside Malaysia for more than ninety (90) consecutive days.
What is not covered?
Takaful myHealth Protector 9
Important Notes:
• This is a yearly renewable medical and health takaful plan.
• You should satisfy yourself that this plan will best serve your needs and the contribution payable under this plan is the amount that you can afford.
• If you do not pay the contribution regularly and timely, the Takaful coverage under this plan may be interrupted.
• Any revision of the fees and charges or contribution will be made upon renewal and we will notify you by giving you 30-day notice.
• If you switch-over your medical plan from one company to another or if you surrender your current medical plan with another medical plan within the same company, you may be required to submit an application where acceptance of your proposal will be subjected to the terms and conditions to be imposed at the time of switching or replacement of the medical plan.
• If the certificate is cancelled with the free-look period of 15 calendar days, we will refund you all contributions paid less any expenses incurred for medical examination.
• This brochure provides general information only. It does not constitute a Takaful contract. You are advised to refer to the consumer education booklet on MHT, Product Disclosure Sheet and the certificate documents for further and better particulars pertaining to the plan (including the rider, if attached) before you decide to participate in a plan. The Company hereby disclaims any liability of whatsoever nature should you suffer losses merely by relying on the information contained herein.
• In the event of inconsistency between English, Bahasa Malaysia and Mandarin versions, the English version will prevail.
We Should Talk
V04/09-2018
1-300 88 252 385
takaful-mala ysia.com.my
Syarikat Takaful Malaysia Keluarga Berhad is a company licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Syarikat Takaful Malaysia Keluarga Berhad (131646-K)(Formerly known as Syarikat Takaful Malaysia Berhad)
26th Floor, Annexe Block, Menara Takaful MalaysiaNo. 4, Jalan Sultan Sulaiman, 50000 Kuala LumpurP. O. Box 11483, 50746 Kuala Lumpur
