A combination of long-term savings and protection, so your child’s education fund keeps building even if something happens to you.
Product by Etiqa Takaful Family Berhad, an education and child protection plan
This Suits You If
Many parents save for their children’s education through an ordinary savings account. The intention is right, but there is one serious weakness. If something happens to you today, that saving stops at whatever amount is in it now. Your child will not receive the full amount you planned. They receive only what you managed to put aside.
The cost of higher education keeps climbing every year, far faster than ordinary savings interest. A local degree already requires a substantial fund today, and that figure will multiply by the time your child turns 18. Saving alone, without protection, means the entire plan depends on you staying healthy and working for the next 15 to 20 years.
As a parent, almost every financial decision comes back to the same question. Will the children be alright? I understand the wish to give them the best, and I also understand the reality of a tight monthly budget. Good planning does not mean saving more. It means saving in a way that is not easily derailed.
TakafulMu Consultant
Etiqa Takaful Authorised Agent
A takaful-linked education plan combines two things. A savings component that grows according to the performance of your chosen fund, and a protection component. With a contribution waiver rider, if you pass away or become permanently disabled, the takaful operator continues the monthly contribution on your behalf until maturity. Your child still receives the full fund as planned.
The Fund Keeps Building
With a contribution waiver rider, the plan is continued by the operator if you are gone or disabled.
Disciplined Saving
Scheduled contributions build a consistent long-term saving habit.
Protection for Your Child
Medical and critical illness benefits can be added specifically for the child.
Choice of Investment Funds
Choose a fund profile matched to the risk level and time frame you are comfortable with.
Accessible When Needed
The account value can be withdrawn according to plan terms when education begins.
Start Early, Contribute Less
The earlier you start, the longer the accumulation period and the lighter the monthly contribution.
* Benefits above are subject to the plan terms and conditions and Etiqa underwriting approval.
Before you place your trust in any Takaful operator, get to know who actually stands behind your certificate.
Fully Backed By Maybank
Etiqa is now 100% owned by Maybank, Malaysia’s largest bank, giving real financial strength and stability behind every certificate issued.
Malaysia’s Largest Takaful And Insurance Operator
Etiqa leads the country’s combined insurance and takaful market, trusted by millions of Malaysians for years.
Fully Supervised By Bank Negara Malaysia
Etiqa Family Takaful Berhad is licensed under the Islamic Financial Services Act 2013 and supervised by Bank Negara Malaysia, keeping every product held to strict standards.
A Wide Hospital Panel Network
126 private specialist panel hospitals across Malaysia, allowing ward admission without a large counter deposit in an emergency.
Digital Management Through Etiqa+
Check your certificate, contribution status and submit claims anytime through the Etiqa+ app and online portal, with no branch visit needed.
PIDM Protection
Eligible family takaful benefits are protected by Perbadanan Insurans Deposit Malaysia (PIDM), subject to the prescribed limits and terms.
"What made me choose this plan comes down to one thing. If I am not around, my child’s school fees keep going. An ordinary bank savings account cannot do that." (Education Plan client, Perak)
"I am self-employed, so saving consistently on my own never really worked. The scheduled contribution is what actually kept me disciplined about saving for my child." (Education Plan client, Negeri Sembilan)
"The contribution waiver part is what mattered most to me. If I am not around, the school fund keeps going as planned. That alone is enough to put my mind at ease." (Education Plan client, Kedah)
Testimonials shared with client permission. Individual experiences vary according to the plan and personal circumstances.
Get a free estimate of your child’s education costs and a suitable savings plan. We will show you how much to set aside each month to reach that target.
Assalamualaikum & Hello!
I have been an Etiqa Takaful agent since 2020, committed to helping individuals and families find financial protection that suits both their needs and what they can genuinely afford.
Throughout my time as an agent, I have helped many people understand protection such as Hibah Takaful, Medical Card, Critical Illness and family protection far more clearly and simply.
To my mind, everyone has different needs and different means. That is why I do not simply offer a plan. I help you understand the options available and choose protection that fits your needs, your family goals and your monthly budget.
My priority is clear explanation, honest recommendations, and helping you secure protection that genuinely means something when it is needed.
You do not need to be ready to buy today. If you simply want to understand your options, get an idea of the contribution, or have a second opinion on a plan you already hold, that is welcome too. Send a message and we can talk it through casually.
TakafulMu Consultant
Etiqa Takaful Authorised Agent
A registered and authorised Etiqa Takaful agent. Helping individuals and families across Malaysia arrange protection that is practical, affordable and gives long-term peace of mind.
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