Compare takaful providers by market, cover and evidence

Syarikat Takaful Malaysia Am Berhad

myMedik

medical and health takaful

• The operator describes medical room-and-board benefits of up to RM500 per day.
• The stated annual limit is up to RM1.5 million when the MedikBooster rider is included.
• The page states no lifetime limit and a government-hospital daily cash allowance up to RM250.
• The page states Malaysian eligibility from age 6 to 69, with adult applications from age 19 and child applications from age 6 to 18 (age next birthday).
• Coverage can continue until age 85, subject to the certificate and renewal terms.

The RM1.5 million figure requires the named rider. Co-Takaful, contribution changes, underwriting, exclusions and the exact schedule remain certificate-level checks; this is not a universal cashless-medical entitlement.

Etiqa Family Takaful Berhad

OneMedical Takaful

medical and health takaful

• The operator states an annual medical limit up to RM160,000 with no lifetime limit.
• The page describes cashless hospital admission through a guarantee letter.
• It includes a communicable-disease hospital cash benefit and limited overseas medical service coverage, subject to the certificate.
• The online journey states Malaysian adults aged 17 to 55 and children from two weeks to 16 years.
• The operator states coverage can remain valid up to age 85.

This is a Malaysia-specific family medical product. Annual limits vary by plan; overseas treatment, communicable-disease benefits, cashless admission, family discounts and instant approval remain subject to the current certificate and disclosed health information.

Zurich Takaful Malaysia Berhad

Takaful MediCash

hospital-income takaful

• This is hospital-income protection, not reimbursement of the full hospital bill.
• Displayed benefits reach RM400 per day for ICU/HDU or overseas hospitalisation under Plan 200.
• Displayed accidental total-and-permanent-disability income reaches RM2,000 monthly for up to 120 months, with compassionate allowance up to RM20,000.
• The product page states entry from age 18 to 50 (age last birthday).
• The FAQ states the product is only open to Malaysians residing in Malaysia.

Do not compare MediCash's daily cash benefit as if it were a medical-card annual limit. Admission/day limits, waiting periods, covered events, exclusions and contribution are governed by the selected plan and certificate.

Syarikat Takaful Malaysia Am Berhad

Takaful myMotor — Private Car

private-car motor takaful

• Comprehensive cover includes loss or damage to the covered car from accident, fire or theft and specified third-party liability.
• The page states complimentary RM15,000 personal-accident cover for each driver and passenger.
• It states complimentary breakdown towing up to 50 km; windscreen, passenger liability and specified natural perils are additional covers.
• The product page identifies private-car owners as eligible.
• The displayed coverage period is one year.

Natural-peril, passenger-liability and windscreen protection are not part of every base certificate. Contribution depends on NCD, selected benefits, vehicle and driver rating factors; cashback depends on no claims and fund performance/terms.

Etiqa General Takaful Berhad

Motor Takaful

private-car motor takaful

• The operator states all authorised drivers are automatically covered.
• The page advertises towing up to 200 km and courtesy replacement cars, subject to product terms.
• A driving-less add-on advertises cashback up to 30%; no-claim surplus sharing is separately conditional.
• The quotation journey accepts private vehicles up to 30 years old and commercial vehicles up to 20 years old.
• It supports vehicles registered to an individual or company, subject to quotation and acceptance.

The displayed quotation route does not establish acceptance for every vehicle, driver or use. Rebate, cashback, towing and replacement-car claims are conditional and must be checked in the current certificate and quote.

Zurich General Takaful Malaysia Berhad

Z-Driver Takaful

private-car motor takaful

• The operator describes Z-Driver as comprehensive motor takaful and offers optional/enhanced special-perils, windscreen and betterment-waiver features by plan.
• The page states complimentary extension to unlimited named drivers for private use.
• EV Protect features shown include home-wall-charger and charging-cable benefits with stated sub-limits.
• The operator page does not publish a complete applicant and vehicle eligibility table.
• Participation remains subject to the live quote, vehicle/use details and underwriting acceptance.

Unlimited named drivers is stated for private use and does not erase compulsory excess or other certificate conditions. Special perils, betterment waiver, windscreen and EV benefits differ by selected plan/add-on.

Syarikat Takaful Malaysia Am Berhad

Takaful myTravel PA

travel takaful

• The operator states medical and personal-accident cover up to RM500,000 each, depending on the plan.
• The page lists travel delay/cancellation, baggage/personal-effects loss, hospital allowance and emergency assistance.
• International medical evacuation and repatriation are described as unlimited, subject to the plan and certificate.
• Eligible adults are Malaysian citizens, permanent residents or Malaysian employment-pass/work-permit holders aged 18 to 80 next birthday.
• Eligible children are 30 days to 18 years, or up to 23 when studying full time at a recognised higher-education institution.

The headline maximums are plan-specific. Pre-existing conditions are excluded; destinations, trip purpose, departure from Malaysia, trip duration, age reductions and certificate exclusions can materially change cover.

Etiqa General Takaful Berhad

TripCare 360 Takaful

travel takaful

• The operator lists medical expenses, travel delay/cancellation/missed connection, baggage loss/damage and personal liability.
• The product includes 24/7 emergency assistance and offers optional adventurous-activity, COVID-19, home-care and golf benefits.
• Single international trips are shown up to 180 days; annual-plan trips are shown up to 90 days each.
• The trip must start and end in Malaysia; non-Malaysians can apply when that journey condition is met.
• One-way travel is not covered, and participation must occur before scheduled departure.

This evidence does not support trips that begin or end outside Malaysia. Excluded destinations, pre-existing conditions, Hajj travel and activity exclusions are material; trip-cancellation eligibility also depends on purchase timing and specified causes.

Zurich General Takaful Malaysia Berhad

Z-Travel Takaful (International)

travel takaful

• The page lists emergency medical assistance, medical expenses, evacuation/repatriation, personal accident and travel-inconvenience benefits.
• Displayed plan limits range by tier; the Diamond table shows unlimited medical expenses and evacuation/repatriation, subject to certificate terms.
• Amateur-sport and COVID-19 cover are described as included/optional only as stated for the relevant plan.
• Individual/spouse/family cover is shown from 30 days to 70 years; senior cover is shown from age 71 to 85.
• Children under family cover are shown from 30 days to 17 years, or to 23 when studying full time; a parent/legal guardian must purchase for a minor.

The benefit table spans different domestic, international and intermediary-sold tiers and must not be merged into one synthetic plan. Territory, war-zone, activity, age, add-on and certificate limits require plan-level confirmation.

Syarikat Takaful Malaysia Keluarga Berhad

Takaful Malaysia Budi

family takaful

• The product page lists death, total and permanent disability, critical illness, medical-expense, savings and investment features, with optional protections.
• The page describes Hibah nomination and income-replacement use cases.
• Coverage terms can be selected to the covered person's age 25, 60, 70 or 80, depending on the chosen structure.
• The covered person must be between 14 days and 70 years (age next birthday).
• A participant applying for a wife or child must be at least 19 years old.

This is a flexible family takaful product, not a pure term quote. Benefits depend on selected riders and funding; investment value and returns are not guaranteed, and tax relief remains subject to the Malaysian tax authority.

Zurich Takaful Malaysia Berhad

Takaful Family Hero

family takaful

• The page describes family financial protection with a minimum Basic Sum Covered of RM50,000.
• For specified contribution terms, the displayed minimum sum covered is RM250,000; maximum cover remains subject to underwriting.
• A specified Hajj/Umrah Ziarah Plus death benefit pays an additional 10% of Basic Sum Covered, capped at RM50,000, for listed events.
• The covered person's minimum entry age is 14 days and maximum entry age is up to 70, subject to coverage and contribution terms.
• The participant must be at least 16 years old.

The no-medical-check-up statement is age/health dependent and shown only up to a stated amount. Contribution, underwriting, exclusions, beneficiary treatment and pilgrimage-event definitions must be read in the current PDS and certificate.

Great Eastern Takaful Berhad

i-Great Nova

family takaful

• The operator describes a regular-contribution term family takaful plan covering death or total and permanent disability.
• The page states Basic Sum Covered starts from RM250,000 and an additional RM2,000 compassionate benefit is payable on death.
• Coverage terms to age 60, 70 or 80 are shown, with optional automatic sum-covered increases and an i-Saver investment rider.
• Participation is subject to the operator's application and current underwriting terms.
• Contribution can be limited-pay or full-pay; a 30-day grace period is disclosed.

The optional i-Saver rider carries investment risk and can return less than contributions. Auto-extension requires new contributions; certificate sustainability, optional riders and Hajj/Umrah benefits must not be assumed across all configurations.

Syarikat Takaful Malaysia Am Berhad

Takaful myHome Cover

residential property/contents takaful

• The product is a customisable residential property solution with up to 16 additional benefits.
• The page states a RM500 annual assistance allowance for fire and flood events.
• Optional extensions include outstanding mortgage-financing and specified landlord risks.
• The stated eligible public includes legal owners of buildings/contents, householders and renters/tenants.
• Acceptance and contribution depend on property and selected-peril underwriting.

The from-RM60 contribution is illustrative and conditional. Terrorism, consequential loss, data/software damage and other exclusions are stated; mortgage, landlord, flood and other perils must be confirmed in the selected certificate.

Zurich General Takaful Malaysia Berhad

Z-HomeProtect Takaful

residential property/contents takaful

• The product covers residential buildings and/or contents for named perils including fire, explosion, burst pipes, forcible-entry theft, windstorm, earthquake and flood.
• Participants may select building cover, contents cover or both sections.
• The page also lists robbery/hold-up at the covered premises, subject to certificate wording.
• The operator states house owners are eligible to apply.
• The buildings/contents must be used solely for residential purposes.

Subsidence/landslip and riot/strike/malicious damage require additional contribution; jewellery has a stated contents sub-limit. Building, contents and optional sections must not be presented as automatically bundled.

Takaful Ikhlas General Berhad

IKHLAS Houseowner / Householder Takaful

residential property/contents takaful

• The operator's PDS covers residential building and/or contents against named events including fire, lightning, explosion, flood and burst pipes.
• The product page lists added benefits for mirrors, temporarily removed contents and specified fatal injuries in the home.
• Extended theft, riot/strike/malicious damage, subsidence and landslip require additional contribution.
• This is for private residential buildings and/or household contents, not commercial-use buildings.
• Cover is one year and requires renewal.

The category page URL contains a legacy `car-takaful` path segment, but the page and current PDS name a home product. That URL shape must not be used to classify the product as motor cover; all claims remain subject to the current schedule and PDS.

Zurich General Takaful Malaysia Berhad

Oyen Takaful Kucing

cat takaful — historical launch only

• Zurich's dated 2023 press release announced a Shariah-compliant cat takaful product.
• The launch release stated coverage up to RM8,000 for unexpected veterinary bills from illness or injury.
• The release described digital claim submission, processing and tracking through Oyen's application.
• The official launch evidence is Malaysia-specific and cat-specific.
• Current entry ages, breeds, waiting periods, exclusions, contribution and purchase availability are not established by a current operator PDS/product page.

HOLD. A 28 November 2023 operator press release proves launch history, not present-day availability. No current Zurich product page or current operator PDS was found at the 2026-09-15 cut-off, and the reviewed operator catalogues do not provide three current pet-takaful representatives. Do not substitute Etiqa PAWer or other conventional pet insurance and do not publish a ranked/best list from this record.

Syarikat Takaful Malaysia Am Berhad

Takaful mySME

business general takaful

• The operator states fire coverage, including terrorism cover, can have a sum covered up to RM50 million.
• Optional/provided sections include all risks, money, personal accident, public liability and goods in transit.
• The page describes configurable sums covered and a contribution discount up to 30%, subject to terms.
• The stated eligibility is a licensed SME business.
• Automatic risk acceptance is limited to stated occupation and building-construction classes.

The RM50 million figure is for the stated fire/consequential-loss context, not every section. Occupation, construction class, limits, terrorism wording, optional covers and discount are underwriting/certificate dependent.

Zurich General Takaful Malaysia Berhad

Z One Business Takaful

business general takaful

• The 2025 PDS describes a comprehensive package with Fire and Compulsory Packaged covers and three plan levels.
• It is offered for listed segments including food and beverage, manufacturing, motor showroom/workshop, office/services, retail, tourism and wholesale/distribution.
• Optional extensions listed include fire consequential loss, equipment all risks, product liability and group personal accident.
• Eligibility is tied to the listed trade/business/profession segments and underwriting acceptance.
• Coverage is one year and must be renewed.

Zurich's landing page presents insurance and takaful together. Only the separately named Z One Business Takaful PDS supports this record; insurance policy wordings must not be used as takaful evidence.

Great Eastern Takaful Berhad

GET-SME

employee group family takaful

• GET-SME is a yearly renewable group takaful package for small companies/organisations and their employees/members.
• The page lists Group Term Takaful, Group Hospitalisation & Surgical and a Comprehensive Package.
• It states up to eight plan choices and sum covered up to RM500,000.
• The target participant is a small company/organisation providing cover for employees or members.
• The page states no medical underwriting for groups of 11 to 200 employees for cover up to RM300,000, subject to the product terms.

GET-SME is employee/member group family takaful, not property or public-liability cover for the enterprise itself. The no-underwriting statement has group-size and cover limits; lapse, switching and free-look terms apply.