A Medical Card covers ward charges, specialist treatment and surgery up to your plan limits, so you can focus on recovering instead of worrying about the bill.
Product by Etiqa Takaful, an investment-linked medical plan
This Suits You If
Most families never plan for a hospital bill. It arrives suddenly, in a large amount, and at the moment you are least prepared for it. The outcome is the same every time. Years of savings gone in a matter of days, the family forced to borrow, or more upsetting still, treatment stopped early simply because it could not be continued.
Private medical costs in Malaysia are rising far faster than average wages. What costs tens of thousands today can be several times that within ten years. And here is the part most people miss. A Medical Card is cheapest and easiest to get approved while you are still healthy. Once a medical history starts to build, the cost rises, or cover for related conditions may be excluded altogether.
I completely understand why this is easy to put off. When everyone is healthy, "what if I fall ill" is not an enjoyable question to sit with. Almost every client I have helped was once in exactly that position, feeling it was still far away, right up until it happened to someone close to them.
TakafulMu Consultant
Etiqa Takaful Authorised Agent
A Takaful Medical Card acts as the payer for your hospital treatment. Depending on the plan you choose, it can cover room and board, specialist fees, diagnostic tests, surgery and follow-up treatment after discharge. With the card, most panel hospitals allow admission without a large deposit at the counter. That difference is felt sharply in an emergency.
126 Private Specialist Panel Hospitals
Direct ward admission for any type of treatment, at 126 private specialist panel hospitals across Malaysia.
Specialist Room Rate RM150 to RM500
Choose a room class that fits your treatment needs and contribution budget.
No Lifetime Limit
As long as contributions are maintained, there is no maximum lifetime cap, only an annual limit based on your chosen plan.
100% No Co-Takaful
You do not bear any share of the treatment cost yourself. The plan covers it in full according to the policy terms.
Guaranteed Renewal Every Year
Renewal is guaranteed annually with no fresh health declaration, as long as contributions are maintained.
Protection Up to Age 88
A long protection period that brings peace of mind well into your later years.
Daily Hospital Income Allowance
Receive a daily cash allowance while admitted to the ward, on top of the treatment costs already covered.
Hibah & Additional Riders
Benefits can be structured as a direct hibah to your loved ones, and paired with income protection or critical illness riders.
Digital Claims
Check certificate status and submit claims through the Etiqa+ app without visiting a branch.
* 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.
"When I needed surgery, I simply showed the card at the counter. I did not have to think about a deposit at all. That was when I finally understood why the consultant told me to get it early." (Medical Card client, Selangor)
"The agent explained it until I properly understood what was covered and what was not. I never felt pushed. That is what made me confident to sign." (Medical Card client, Johor)
"Even while bedridden, I still got treatment at a private hospital with the best specialist advice and care. The room was even hotel 5-star standard. It felt like being pampered even while unwell." (Medical Card client, Sabah)
Testimonials shared with client permission. Individual experiences vary according to the plan and personal circumstances.
Real hospital bill and claim examples that have been settled for Medical Card clients.
Images shared with client permission. Actual claim amounts are subject to the plan and Etiqa underwriting approval.
Get a free review of your needs and a Medical Card contribution estimate, with no obligation. We will suggest a sensible cover limit to match your budget.
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.
📞 +60 13-599 0998
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