Medical And Health Takaful

Medical and health takaful gives you cover for the cost of private medical treatment, like hospitalisation, surgery and treatment, if you are diagnosed with certain illnesses or are involved in an accident. The cover acts as a stand-alone policy or can be added to a basic family takaful plan, providing better coverage and benefits from both policies.

Main types of cover:

Hospital services and profesional fees

This plan covers the expenses that you incur for hospital services and professional fees arising from injury or illness, such as ward charges, surgical fees and intensive care unit charges. The benefits can be limited to a maximum amount and/or number of days.

Hospitalisation benefits

Under this plan, you will be provided with daily cash allowances for each day that you are confined in a hospital due to illness and/or injury, subject to a maximum number of days.

Critical illness

This plan provides a lump sum benefit in the event you are diagnosed to have suffered any of the critical illness specified in the certificate.

Choosing a policy:

Medical and health takaful is offered through individual or group plans. However, an individual plan generally costs more than a group takaful plan. Therefore, you need to be very careful when choosing a cover that best suits your needs by understanding the product features, conditions, benefits, limitations and exclusions of the takaful plan. Don't be pressured into buying more than you need.

Key terms and conditions:

It is important that you understand the terms used in medical and health takaful. If you have any doubts about the meanings of these terms, you should ask your agent or the takaful operator. As the certificate is a legal contract, the meanings used in the certificate will apply when a claim is made.