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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.

Let's Talk About My NeedsMessage Faizal

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.

RM1,000

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 ↗
+73%

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 ↗
67.2%

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 ↗
RM2,690

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 ↗
36%

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 ↗
115k+

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.

2solutions to explore

01
3D illustration for Medical Card

Medical Card

Get help with eligible hospital bills. Let's also check the limits and what you may still need to pay yourself.

“When you're in hospital, it helps to know where you stand with the bill.”
What this could look like

A hospital bill can arrive unexpectedly. Cover from your employer may have limits, exclude certain treatments or end when you leave your job.

How it helps & what to check +
WHAT TO KEEP IN MIND

An annual limit doesn't tell the whole story. Check the deductible, co-takaful, room limit, waiting periods and exclusions too. The deductible and co-takaful affect what you pay yourself.

HOW IT CAN HELP

What could it help with?

It can help pay eligible hospital and treatment costs, subject to annual limits, your share of the bill, exclusions and certificate terms.

IF THERE ISN'T A PLAN IN PLACE

What could this mean for your family?

You

You may need to use your savings quickly or postpone some treatment options because of the cost.

Your partner

Your partner may need to help pay the bills, take leave or arrange care during treatment.

Your children

Household spending, daily routines and education savings may be affected when money goes towards treatment.

Heirs / guardians

Heirs or guardians may have to handle paperwork, unpaid bills or an estate with fewer assets.

THINK OF IT THIS WAY

Like an umbrella in the rain, it offers cover within its limits. You still need to know how far that cover reaches.

ILLUSTRATIVE EXAMPLE

Aina is admitted for appendicitis. Her medical card may help pay eligible treatment costs, but she still needs to check the deductible, co-takaful and exclusions. This is a fictional example.

Who might find this useful?

Individuals and families who want cover for eligible hospital treatment costs.

What should we talk through?

What annual limit makes sense? What are the terms for your preferred room and hospital, and how much might you pay yourself?

Explore this type of cover (BM) Ask Faizal on WhatsApp
02
3D illustration for Critical Illness Protection

Critical Illness Protection

Hospital bills are one thing. Household bills while you recover are another. This cover may provide cash if a diagnosis meets the plan's terms.

“While you recover, the household bills keep coming.”
What this could look like

A medical card may help with eligible hospital bills. Home instalments, food, childcare and lost income during recovery still need planning for.

How it helps & what to check +
WHAT TO KEEP IN MIND

Medical cover usually pays eligible treatment costs. A critical illness benefit may provide cash when the diagnosis meets the claim definitions and conditions.

HOW IT CAN HELP

What could it help with?

It may pay a lump sum if the diagnosis meets the definitions and severity level covered by the plan. You could use it for living costs, recovery or replacing income.

IF THERE ISN'T A PLAN IN PLACE

What could this mean for your family?

You

Recovery may feel harder when your income drops but the bills keep coming.

Your partner

Your partner may have to care for you and become the main earner at the same time.

Your children

Your children's routines, care arrangements or education plans may change while the family adjusts its budget.

Heirs / guardians

Family savings or estate assets may be used earlier than planned for living costs and recovery.

THINK OF IT THIS WAY

Think of it as a financial bridge between diagnosis and being able to return to work.

ILLUSTRATIVE EXAMPLE

Siti needs six months off after cancer treatment. If her claim qualifies, a critical illness payout could help with home commitments and family expenses while her income is lower. This is a fictional example.

Who might find this useful?

Working adults, breadwinners and anyone who wants an extra financial buffer during treatment and recovery.

What should we talk through?

How many months of income might you need to replace? Which illnesses and severity levels are covered, and what conditions must a claim meet?

Explore this type of cover (BM) Ask Faizal on WhatsApp

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 →
Karikatur Faizal Ahmad, consultant takaful

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 Faizal
“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?

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Faizal Ahmad | Takaful Consultation for You & Your Family