An emergency fund isn't something everyone has
BNM reported that only 58% of Malaysians actively save for the future, and many cannot cover a RM1,000 emergency.
Bank Negara Malaysia, 2 Oct 2025 ↗TAKAFUL FOR YOU & YOUR FAMILY
Understand Your Cover.
Plan for Your Family.
Already have takaful, or thinking about your first plan? Let's talk about what you need, what you already have and a budget you're comfortable with.
Medical Card
Understand which hospital bills may be covered and what you may still need to pay.
Takaful Hibah
Talk through the financial support you want to leave for your loved ones.
Critical Illness
Explore a cash buffer for everyday expenses during treatment and recovery.
Savings & Education
Start planning for your savings goals and your children's education at a pace you can afford.
A FEW THINGS WORTH THINKING ABOUT
Life Can Change. The Bills Keep Coming.
Medical claims costs are rising
Total MHIT claims costs rose 73% between 2021–2023, compared with premium growth of 21% over the same period.
BNM Annual Report 2024 ↗
Some healthcare costs still come out of your pocket
Household out-of-pocket spending accounted for 36% of Malaysia's total health expenditure in 2023.
Malaysia National Health Accounts 2024 ↗
Household spending is going up
Average monthly household consumption expenditure rose from RM5,150 in 2022 to RM5,566 in 2024.
DOSM, Household Expenditure Survey 2024 ↗
Everyday needs take up a large share of the budget
Four main groups, housing, food, restaurants and transport, made up 67.2% of household consumption expenditure in 2024.
DOSM, Household Expenditure Survey 2024 ↗
Many households earn less than RM4,000
In 2024, 21.8% of Malaysian households received a gross monthly income below RM4,000.
DOSM, Household Income Survey 2024 ↗
Monthly expenses don't stop at retirement
Belanjawanku 2024/2025 estimates that a single older person in the Klang Valley needs RM2,690 a month for a reasonable standard of living.
EPF, Belanjawanku 2024/2025 ↗
There is a benchmark for adequate retirement savings
The EPF Retirement Income Adequacy Framework sets its Adequate Savings level at RM650,000.
EPF, Retirement Income Adequacy Framework ↗
Many members haven't reached Basic Savings
As of October 2024, about 36% of active EPF members in the formal sector met the age-based Basic Savings level in place at the time.
EPF, December 2024 ↗
More attention is going to family protection
More than 115,000 members used i-Lindung Phase 2 to extend life or critical illness protection to immediate family members in 2024.
EPF Annual Report 2024 ↗01 / 10
START WITH WHERE YOU ARE TODAY
Life Changes. Your Needs Do Too.
Starting work, raising a family or buying a home? Let's understand your situation before looking at plans.
Ask Faizal
Individuals
New to takaful? Let's start with your commitments and budget.
Breadwinners
Does someone depend on your income? Let's talk about the support they may need.
Young families
Plan ahead for your family's healthcare and your children's education.
Homeowners
Review your outstanding home financing and any cover you already have.
WHAT WOULD YOU LIKE TO PREPARE FOR?
Start with what matters to you
Choose the concern that's on your mind. Not sure where to start? You can ask Faizal first.
1solutions to explore
01
Income Protection
If a covered event stops your income, your family's bills still need paying. Let's talk about a fund that could help them manage.
“Your income may stop. Your family's needs don't.”
What this could look like
If a main earner dies or experiences a covered disability, groceries, rent, school fees and monthly bills still need paying.
How it helps & what to check +
These are general planning principles. The examples are fictional and help explain the ideas; they do not predict outcomes or promise payouts. Actual cover depends on the product, certificate terms, covered event and eligibility assessment.
SIMPLE BUDGET CALCULATOR
What Monthly Budget Feels Comfortable?
Adjust your age and budget to get a rough picture of the commitment. This simple calculation isn't a quote or confirmation of eligibility.
TRY THE NUMBERS
Monthly contribution budget
Choose an amount you feel you could keep paying. This figure doesn't tell you what benefits you would receive.
Illustrative total contributions to age 60RM 75,000RM 250 × 12 × 25 years. This is the total contribution amount for comparing budget commitments. It is not a benefit amount or investment return.
Explore the full calculators & summary →
Meet Faizal Ahmad
Want to understand your cover but not sure where to start? Tell me what you’d like to know. We’ll start with your questions, then discuss the information needed to understand the options relevant to you.
Start with
your questionsUnderstand
the informationDiscuss
relevant options
Message Faizalyour questionsUnderstand
the informationDiscuss
relevant options
“You don't need to know every takaful term to ask a question. Let's take it one step at a time.”Faizal AhmadTakaful Consultant
COMMON QUESTIONS
You Might Be Wondering…
These answers are a general guide. For your own plan, we need to check the details and certificate terms.
What should I do if I need to go into hospital?+
The process depends on the hospital, panel arrangements, guarantee letter and certificate terms. If circumstances allow, contact your operator or consultant beforehand.
I already have a plan. Can I add or change my cover?+
That depends on the product, your age, health, underwriting and current terms. Review your existing cover before making changes.
Are all illnesses and treatments covered?+
Not always. Every certificate has its own benefit definitions, exclusions, waiting periods, limits and claim conditions.
How do I work out how much cover I need?+
Start with your family's spending, debts, dependants and existing cover. Then consider how long support may be needed and a budget you can keep paying.
START WITH ONE MESSAGE
What's On Your Mind?
Fill in the details below to prepare a WhatsApp message to Faizal. You can review it before sending. No payment or purchase takes place here.