MHinsure Takaful Premier

Tell me more about MHinsure Takaful Premier.

Issued by Etiqa General Takaful Berhad with Assistance Services provided by Cover-More, MHinsure Takaful Premier offers the highest insured amount of up to RM1,000,000 on overseas emergency medical and dental expenses.

Click here to view Takaful Domestic Product Disclosure Sheet

Click here to view Takaful International Product Disclosure Sheet

Being the premier plan, there is a wider range of benefits with higher coverage:

Several other noteworthy benefits that is unique to the Takaful Premier plan:

What is the eligibility criteria to sign up for Takaful Premier?

Individuals aged between 18 to 70 years old are eligible to apply for MHinsure Takaful Premier, whether or not you have purchased a flight ticket. You can sign up for this travel Takaful plan for:

• yourself (individual),
• you and your spouse, and
• your family (up to a maximum of ten persons: max 2 adults with up to 8 children and/or up to 7 children and 1 domestic servant).

Dependents (children) are basically those under the age of 18 years old. However, if anyone is under 21 years old, not married and is still pursuing tertiary education, he/she remains eligible to be categorized as dependents

Otherwise, those over the age of 18 years old would need to sign up for their own individual certificate.

How much is the contribution?

The contribution for MHInsure Takaful Premier starts from as low as RM43. This contribution gets higher depending on several factors such as:

• Number of covered persons
• Current age
• Level of coverage
• Coverage area 
• Duration of your trip
• Single trip or annual trip (annual coverage is typically for one (1) year and the certificate is renewable every year).

Here's the summary table:

What makes this travel Takaful protection plan unique?

Get Enrich Miles

For each contribution you have made on an ANNUAL PLAN, you will earn air miles from Enrich Miles, a frequent flyer program by Malaysia Airlines, with 1 Enrich Miles is equivalent to RM1 spent.

For example, if you're going to the US and have signed up for an Annual Plan for Individual and Spouse worth RM1,008, that means you earn 1,008 Enrich Miles.

Below is a table for some of the destinations and how much Enrich Miles is required for Economy and Business Classes, for your reference:

Additional Benefits for Takaful

That's not all, the contributions for this Takaful plan will remain unchanged even with added benefits such as Badal Hajj and Ihsarr (related to Muslim pilgrimage).

Cashless Hospitalization

Interestingly, this Takaful plan provides cashless hospitalization benefit and is guaranteed by Cover-More. In the event of overseas hospitalization or repatriation or medical evacuation, Cover-More will settle the claim directly to the hospital on your behalf.

However, if Cover-More is unable to arrange the expenses on your behalf, MHinsure will approve and reimburse the costs and expenses incurred from your own pocket when you return to Malaysia.

*Terms and conditions apply

Domestic Contribution

The contribution for domestic travel Takaful plan remains the same for up to 30 days as compared to the international plan. 

You can also choose to upgrade from a current plan (Basic) to a higher sum insured plan (Value or Premier) and request for a refund on your current plan.

What is the price difference between a Takaful and a conventional?

Takaful products are open to all Muslims and non-Muslims customers. There is no difference in contribution or contribution for both Takaful and conventional plans.

How do I submit a claim?

To submit a claim arising from medical expenses and travel inconveniences, you must do so within 30-day from the date of your arrival back to Malaysia.

You need to complete the claim form (download from the website) and attach together your relevant documents such as reports, valuation, medical reports etc to support your claim.

Submit your claim form with relevant documents to [email protected]. You must keep the original documents as they may be required later on by the Takaful provider.

For in-patient overseas hospitalization, you may notify MHinsure so they can assist you with cashless hospitalization. Whereas for outpatient treatment, you are to cover for the expenses first and get reimbursed later.

If you are still not sure of how to claim, you can call MHinsure 24-Hour Claims Department Toll Free line at 1800 88 8777 (within Malaysia only) and +60 3 2263 5700 (International, please place a collect call/reverse charges) or alternatively, email [email protected].

Can I amend my travel dates on the certificate?

Yes, but you only have 24 hours before your departure to amend your travel dates.

Can I sign up for travel Takaful plan for a one-way ticket?

Yes, you can sign up for this Takaful plan for a one-way ticket. However, the coverage will terminate on the same date or upon arrival at your final destination.

When buying your flight ticket, you can also get MHinsure at the same time.

If you've already purchased your flight ticket(s), you only need to provide your trip details for an instant quote and sign up for MHinsure Takaful travel protection online.

Do take note that you can only sign up for travel Takaful plan prior to your scheduled departure.

Can I cancel this certificate and get a refund of the contribution paid?

The refund of contribution after cancelling your travel Takaful plan is subjected to the timing of cancellation:

BEFORE departure date: A full refund of contribution will be given to you provided that you return the document and the original certificate of Takaful to MHinsure before your departure date. You must also not making any claims or exercise any rights under the certificate by providing them a written confirmation.

AFTER departure date: No refund of any part of contribution will be given to you when cancelling the certificate after your departure date.