Takaful myHealth Protector

Simply A Better Choice for Your Health

Takaful myHealth Protector B
Good Health is Wealth and worth
celebrating. However, healthcare costs
are increasing considerably day by
day which could put a serious fnancial
strain on you and your loved ones.
Introducing Takaful myHealth Protector
A comprehensive medical plan that
offers the most attractive range of
inpatient and outpatient healthcare
benefts together with a 15% cash back
when you do not make any claim for
the year.
Takaful myHealth Protector 1
why Takaful myHealth Protector
is a better choice for your health ?
As a person grows older, his or her chances of being
diagnosed with chronic conditions will be greater. There is
a high possibility that his or her retirement savings may be
wiped out by the medical expenses to treat these conditions.
Our Takaful myHealth Protector lets you enjoy total peace of
mind by taking care of your medical bills with no cost sharing
up to age 85!
More and more people are fnding it diffcult to get the
right medical plan they need at an affordable price.
Our Takaful myHealth Protector offers you 8 affordable
and comprehensive medical plans to choose from.
Most people are concerned about the high out-of-pocket
payments at the point of seeking care when they are already
seriously ill.
Our Takaful myHealth Protector allows you to access hassle-
free facility with no lifetime limit if your coverage is within the
certifcate conditions. You now have less to worry about when
you are admitted into a hospital.
Many people usually ignore purchasing health insurance as
they dont want to incur premium costs. Furthermore there
is a perception that insurance is only useful when there is
a serious health problem and in the absence of that, they
stand to get nothing in return.
Our Takaful myHealth Protector rewards you with 15% cash
back when you do not make any claim for the year. This cash
back could come in handy to help with other expenses.
In a globalizing world, healthcare should not be confned within
national borders especially when one is faced with diffcult
health circumstances or choices regarding the treatment
options. An option to access to highly specialized care in all
around the world is defnitely a valuable resource.
Our Takaful myHealth Protector provides you the option to
seek overseas medical treatment, subject to the reasonable and
customary charges in Malaysia.
5
REASONS
1:
2:
3:
4:
5:
Fact
Fact
Fact
Fact
Fact
Takaful myHealth Protector 2
Choice of 8 comprehensive and affordable
medical plans with no cost sharing
Hassle-free hospital admission and bill settlement at
panel hospitals
Comprehensive coverage with no lifetime limit up to
age 85 years
15% cash back for no claims
24-hour worldwide emergency referral
assistance service
Choice of 8 comprehensive and affordable
medical plans with no cost sharing
Comprehensive coverage with no lifetime limit
up to age 85 years
Hassle-free hospital admission and bill
settlement at panel hospitals
24-hour worldwide emergency referral
assistance service
15% cash back for no claims
Takaful myHealth Protector offers you:
At a Glance
Takaful myHealth Protector 3
The benefts shall include:
What are the benefts ?
1
As charged based on Reasonable and Customary Charges, subject to the Overall Annual Limit
2
Not guaranteed
(A) In-Patient and Daycare Surgical Benefts
Benefts (RM) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
1 Daily Hospital Room and Board
(No limit on number of days)
150 200 250 300 350 400 450 500
Benefts (RM) Plan 1 - 8
2 Intensive Care Unit
(Maximum 60 days per any one disability)
As charged
1
3 Surgical Fees (Including local second surgical opinion)
4 Anaesthetist Fees
5 Operating Theatre
6 Hospital Supplies and Services
7 In-Hospital Physician and Specialist Visit
8 Ambulance Fees
9 Day Surgery
10 Organ Transplant
11 Malaysian Government Service Tax
12 Meals and Lodging in Hospital for Guardian
(No limit on number of days)
As charged
1
, up to RM75 per day
13 Medical Report Fee As charged
1
, up to RM80 per any one
disability
14 Daily Cash Allowance at Malaysian Government Hospital
(No limit on number of days)
RM100
(B) Out-Patient Benefts & Other Expenses Plan 1 - 8
1 Pre-Hospitalization Beneft
(Within 60 days before hospitalization)
As charged
1
2 Post-Hospitalization Beneft or Day Surgery Follow Up
(Within 60 days after discharge)
3 Out-patient Cancer Treatment
4 Out-patient Kidney Dialysis Treatment
5 Out-patient Stroke Treatment
6 Home Nursing Care Beneft
(Maximum 120 days per year)
7 Emergency Accidental Out-patient Treatment
8 Emergency Accidental Dental Treatment
9 Accidental Out-patient Alternative Medical Treatment As charged
1
, up to RM50 per visit &
RM300 per accident
10 Prosthesis As charged
1
, up to RM300 per accident
Limits (RM) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Overall Annual Limit for (A) & (B) 100k 125k 150k 175k 200k 225k 250k 275k
Overall Lifetime Limit No Limit
(C) Additional Beneft Plan 1 - 8
Funeral Expenses RM3, 000
Whats more, you may receive a 15% cash back
2
provided no claim
has been made during the coverage period.
Takaful myHealth Protector 4

Our 24-hour one-stop careline takes away your
worries. Afficted with a health condition and
being far away in a foreign land with no immediate
support can prove to be a diffcult experience.
Now, you can rest easy and have a peace of mind
knowing that your well-being is taken care by
Takaful myHealth Protector.
3
Purely on referral arrangement; actual costs to be borne by member
International and Domestic Emergency Medical Assistance
Emergency medical evacuation and repatriation and medical
assistance.
Car Assistance
Emergency towing and minor roadside repair, referral to service
centre and car replacement assistance.
Travel Assistance
Provides information such as visa, inoculation requirements,
weather information, assists in loss of luggage, etc.
Concierge Service
Assists in restaurant reservation, fower and gift delivery service
and ticket booking.
Emergency Referral Assistance Services
3
24
HOURS
Takaful myHealth Protector 5
Your contribution can be made annually or semi-annually. It is payable up to 85 years and
charged according to your attained age at renewal.
Attained
Age
(Next
Birthday)
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Annual Contribution (RM)
1 5 1,005 1,210 1,400 1,605 1,835 2,085 2,360 2,665
6 10 795 955 1,095 1,255 1,425 1,615 1,825 2,055
11 35 660 785 895 1,020 1,155 1,305 1,470 1,650
36 40 785 935 1,075 1,225 1,390 1,575 1,775 2,000
41 45 960 1,150 1,325 1,520 1,730 1,960 2,215 2,500
46 50 1,210 1,460 1,690 1,940 2,210 2,515 2,845 3,220
51 55 1,345 1,625 1,880 2,160 2,465 2,800 3,175 3,585
56 60 1,900 2,305 2,675 3,080 3,525 4,020 4,560 5,165
61 65 2,945 3,595 4,185 4,835 5,545 6,335 7,200 8,170
66 70 4,450 5,455 6,365 7,360 8,455 9,665 11,000 12,485
*71 75 6,740 8,275 9,665 11,190 12,865 14,715 16,760 19,030
*76 85 11,225 13,785 16,120 18,670 21,475 24,565 27,985 31,790
(A) Male
Attained
Age
(Next
Birthday)
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Annual Contribution (RM)
1 5 920 1,105 1,275 1,460 1,665 1,890 2,140 2,415
6 10 730 875 1,000 1,140 1,295 1,465 1,655 1,865
11 35 620 735 840 955 1,080 1,220 1,375 1,545
36 40 815 975 1,120 1,275 1,450 1,640 1,855 2,090
41 45 995 1,200 1,380 1,580 1,800 2,045 2,315 2,615
46 50 1,255 1,520 1,760 2,020 2,305 2,625 2,975 3,365
51 55 1,395 1,690 1,955 2,245 2,565 2,920 3,310 3,745
56 60 1,970 2,400 2,790 3,215 3,680 4,195 4,765 5,400
61 65 3,060 3,740 4,365 5,045 5,790 6,615 7,530 8,545
66 70 4,415 5,415 6,330 7,325 8,420 9,625 10,965 12,450
*71 75 6,685 8,215 9,610 11,135 12,810 14,660 16,705 18,975
*76 85 11,125 13,690 16,020 18,575 21,375 24,465 27,885 31,690
(B) Female
*For renewal only
Table Of Contribution
4
Takaful myHealth Protector 6
Fees / Charges Description
Wakalah Fee 30% of the contribution to pay for commission and other
expenses
Managed Care Charge
5
of RM60 per annum
Tabarru Levied based on your attained age, gender and the
chosen plan.
4
All the contributions, fees and charges are not guaranteed and may vary in the future.
5
A service fee for medical plan.
End of Year Annual
Contribution
(RM)
Any claims
made?
Qualify for
Cash Back?
Amount of Cash
Back Received
(RM)
1 1,020 No Yes -
2 1,020 Yes No 153
3 1,020 No Yes -
4 1,020 No Yes 153
Q: Who is eligible to apply?
A: Takaful myHealth Protector is available to individuals between the ages of
30 days to 70 years next birthday.
Q: How does the cash back work?
A: If you do not make any claims in the previous year, we will reward you with
15% cash back on the total contributions paid which you will receive in the
following year.
For example, a 30-year old male person covered with Takaful myHealth Protector
(Plan 4) pays an annual contribution of RM1,020:
You will continue to receive the 15% cash back as long as no claims are made.
Q: Can I get tax relief when I participate in Takaful myHealth Protector?
A: Yes, you may qualify for tax relief, subject to the approval of Inland Revenue Board.
Fees And Charges
4
What should you know ?
Takaful myHealth Protector 7
Pre-existing Illness.
Any claim due to Specifed Illness
occurring during the frst one
hundred and twenty (120) days of
continuous cover.
Any circumcision, plastic/cosmetic
surgery and related treatment
(including but not limited to double
eyelids and acne) or its complications
except as necessitated by Injury.
Eye examination, corrective glasses,
intraocular lens, visual repairmen
due to refractive errors including
but not limited to nearsightedness,
farsightedness or astigmatism
(Radial Keratotomy); the use or
acquisition of external appliances
or devices such as artifcial limbs,
external fxator, hearing aids
(including cochlear apparatus)
and any other internal implantable
devices implanted pacemakers and
prescriptions thereof except during
hospital confnement.
Dental conditions including dental
treatment or oral Surgery except as
necessitated by accidental Injuries to
sound natural teeth occurring wholly
during the Period of Takaful.
Private nursing, rest cures or sanitaria
care, illegal drugs, intoxication,
sterilisation, venereal disease and its
sequelae, AIDS (Acquired Immune
Defciency Syndrome) or ARC (AIDS
Related Complex) and HIV related
diseases, and any communicable
diseases required quarantine by law.
Any treatment, therapy or surgical
operation for congenital or
hereditary diseases, deformities or
disabilities including but not limited
to any diseases or disabilities of
a newborn contracted prior to or
during birth or within the frst 14
days after delivery, including any of
the resulted complications.
Pregnancy or childbirth (including
any diagnostic tests), abortion,
miscarriage, or prenatal or postnatal
care, surgical, mechanical or
chemical contraceptive methods
of birth control, test or treatment
related to infertility or sterilization
or sexual dysfunction or sex change
procedures, including any of the
resulted complications.
Any medical care or treatment
received primarily for experimental
or investigative purposes, general
physical or medical examinations,
not incidental to treatment or
diagnosis of a covered disability or
any treatment which is not Medically
Necessary and any preventive
treatments, preventive medicines,
stem cell therapy, or examinations
carried out by a Physician, or
treatments specifcally for weight
reduction or gain or bariatric surgery.
Any out-patient treatment or
alternative medical treatment unless
specifcally provided under this plan.
Treatment for injuries sustained
while committing a crime or felony,
or while under the infuence of
alcohol, narcotics, or mind altering
substance or injuries which are self
inficted while sane or insane.
What is not covered?
Takaful myHealth Protector 8
War or any act of war, declared or
undeclared, criminal or terrorist
activities, active duty in any armed
forces, direct participation in
strikes, riots and civil commotion or
insurrection.
Ionising radiation or contamination
by radioactivity from any nuclear
fuel or nuclear waste from process
of nuclear fssion or from any nuclear
weapons material.
Expenses incurred for donation of
any body organ by a Person Covered
and costs of acquisition of the organ
including all costs incurred by the
donor during organ transplant and
its complications.
Investigation and treatment of
sleep apnoea and snoring disorders,
hyperhidrosis treatment, hormone
replacement therapy including but
not limited to sex hormone therapy
and other alternative therapy or
treatment such as but not limited to
chiropractic services, acupuncture,
acupressure, refexology, bone-
setting, herbalist treatment,
hyperbaric oxygen therapy, massage
or aroma therapy.
Care or treatment for which payment
is not required or to the extent which
is payable by any other Takaful/
insurance or indemnity covering
the Person Covered and Disabilities
arising out of duties of employment
or profession that is covered under
a Workmans Compensation Takaful/
Insurance Contract.
Psychotic, mental or nervous
disorder (including any neuroses and
their physiological or psychosomatic
manifestations).
Costs/expenses of services of a non-
medical nature, such as television,
telephones, broadband services,
radios or similar facilities, admission
kit/pack, and other ineligible non-
medical items.
Sickness or Injury arising from racing
of any kind (except foot racing),
hazardous sports such as but not
limited to skydiving, water skiing,
underwater activities requiring
breathing apparatus, winter sports,
professional sports and illegal
activities.
Private fying other than as a fare-
paying passenger in any commercial
scheduled airlines licensed to carry
passengers over established routes.
Any other causes prohibited by
Shariah, subject to the discretion of
Our Shariah Advisory Body.
Please also note that Takaful myHealth Protector does not cover
any medical treatment received by the person covered outside
Malaysia, if the person covered resides or travel outside Malaysia
for more than ninety (90) consecutive days.
What is not covered?
Takaful myHealth Protector 9
Important Notes:
This is a yearly renewable medical and health takaful plan.
You should satisfy yourself that this plan will best serve your needs and
the contribution payable under this plan is the amount that you can
afford.
If you do not pay the contribution regularly and timely, the Takaful
coverage under this plan may be interrupted.
Any revision of the fees and charges or contribution will be made upon
renewal and we will notify you by giving you 30-day notice.
If you switch-over your medical plan from one company to another
or if you surrender your current medical plan with another medical
plan within the same company, you may be required to submit an
application where acceptance of your proposal will be subjected to
the terms and conditions to be imposed at the time of switching or
replacement of the medical plan.
If the certifcate is cancelled with the free-look period of 15 calendar
days, we will refund you all contributions paid less any expenses
incurred for medical examination.
This brochure provides general information only. It does not constitute
a Takaful contract. You are advised to refer to the consumer education
booklet on MHT, Product Disclosure Sheet and the certifcate
documents for further and better particulars pertaining to the plan
(including the rider, if attached) before you decide to participate in
a plan. Takaful Malaysia hereby disclaims any liability of whatsoever
nature should you suffer losses merely by relying on the information
contained herein.
In the event of inconsistency between English, Bahasa Malaysia and
Mandarin versions, the English version will prevail.
Syarikat Takaful Malaysia Berhad (131646-K)
26th Floor, Annexe Block, Menara Takaful Malaysia,
No. 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.
P.O. Box 11483, 50746 Kuala Lumpur.
1-300 8 TAKAFUL (825 2385)
takaful-malaysia.com.my
csu@takaful-malaysia.com.my
Syarikat Takaful Malaysia Berhad
We Should Talk
Syarikat Takaful Malaysia Berhad is a company licensed under the Islamic Financial Services Act 2013 and
regulated by Bank Negara Malaysia.