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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.

3solutions to explore

01
3D illustration for Retirement Planning

Retirement Planning

Your salary may stop, but the bills won't. Let's look at your retirement savings goal and what you already have.

“When your salary stops, what will cover your monthly spending?”
What this could look like

Food, housing, healthcare and day-to-day spending continue after retirement. Inflation may also push these costs up.

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

Starting earlier gives you more time to save regularly. Remember to allow for inflation when estimating future expenses.

HOW IT CAN HELP

What could it help with?

It helps you set a retirement savings target and work towards it with regular savings that suit your timeline, budget and risk tolerance.

IF THERE ISN'T A PLAN IN PLACE

What could this mean for your family?

You

You may need to work longer, spend less or rely on others for support.

Your partner

Shared savings may not be enough to cover both partners' needs.

Your children

Your children may need to help with your expenses while managing their own families and commitments.

Heirs / guardians

Assets you hoped to leave behind may have to cover retirement living costs.

THINK OF IT THIS WAY

Like growing a tree, small regular contributions need time before they can provide shade.

ILLUSTRATIVE EXAMPLE

Lina is 35 and wants to retire at 60. By estimating her monthly spending, she can work out a savings gap and start putting money aside earlier. This is a fictional example.

Who might find this useful?

People who want to rely less on their children or employment income in retirement.

What should we talk through?

When would you like to retire? What might you spend each month, and what retirement savings do you already have?

Explore this type of cover (BM) Ask Faizal on WhatsApp
02
3D illustration for Children's Education Fund

Children's Education Fund

Children grow up quickly, and education needs planning too. Let's set a savings goal based on your child's age and your budget.

“When your child is ready for university, will the fund be ready too?”
What this could look like

Tuition, accommodation and living costs can be harder to manage if saving only starts when a child is about to enter college or university.

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

The date matters. Your monthly savings depend on the target cost, current savings, inflation and the time left.

HOW IT CAN HELP

What could it help with?

It helps you set an education savings goal and put money aside regularly, based on the amount needed, time available and your family's budget.

IF THERE ISN'T A PLAN IN PLACE

What could this mean for your family?

You

You may have to use other savings, take on debt or work longer to cover the cost.

Your partner

Your partner may need to adjust the family budget and other goals to find the money at short notice.

Your children

Your child may need to choose a lower-cost course, delay studying or rely on a loan.

Heirs / guardians

Guardians or heirs may find it harder to keep the education plan on track if the main contributor is no longer around.

THINK OF IT THIS WAY

Think of building a staircase, one step at a time, towards your child's next stage of education.

ILLUSTRATIVE EXAMPLE

Roslan's child is five years old and is expected to start university in 13 years. Roslan can set a fund target, save monthly and review progress along the way. This is a fictional example.

Who might find this useful?

Parents or guardians who want to plan ahead for a child's education costs.

What should we talk through?

When will the money be needed? What might education cost, and how much can you keep saving each month?

Explore this type of cover (BM) Ask Faizal on WhatsApp
03
3D illustration for Savings Planning

Savings Planning

What are you saving for, how much do you need and when? Let's start with a clear goal and an amount you can keep putting aside.

“Give your goal an amount and a date. Then work out the steps.”
What this could look like

Savings can get spent on other things when there's no clear goal, contribution schedule or separate account for it.

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

Your goal, timeline and current savings help determine how much to put aside. Future values and returns should not be treated as guaranteed.

HOW IT CAN HELP

What could it help with?

It helps you save towards goals such as a home deposit, wedding or future capital, with the features and risks of the chosen plan in mind.

IF THERE ISN'T A PLAN IN PLACE

What could this mean for your family?

You

Your goal may be delayed, or you may need to borrow when the money is needed.

Your partner

Shared plans, such as a home or wedding, may need extra compromises.

Your children

Your children's future options and needs may be harder to support if the family fund falls short.

Heirs / guardians

The emergency fund or assets available to your family may be smaller than planned.

THINK OF IT THIS WAY

Think of filling a jar a little at a time. Regular saving breaks a larger goal into smaller steps.

ILLUSTRATIVE EXAMPLE

Maya wants RM30,000 for a home deposit in five years. A savings plan helps her work out a monthly amount and see whether the goal is realistic. This is a fictional example.

Who might find this useful?

People with medium- or long-term financial goals who want more structure in their saving habits.

What should we talk through?

What are you saving for, and when will you need it? How much can you afford, and what happens if contributions stop early?

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