Health protection

1. What is a Takaful Health Plan?
Takaful health plan is a Shariah-compliant alternative to conventional medical insurance, built on the principle of mutual assistance (Ta'awun). Participants contribute to a shared Tabarru' fund, which is used to cover medical expenses such as hospitalisation, surgical treatment, and critical illness,  free from elements of riba, gharar, and maisir.

2. Why Do I Need a Takaful Medical Card?
Healthcare costs in Malaysia continue to rise due to medical inflation. A Takaful medical card ensures you and your family can access quality treatment without worrying about the financial burden. With plans like i-Great MediHarapan offering coverage up to age 100, and i-Medi Evolusi Rider with an annual limit of up to RM2 million, you can focus on recovering and not on hospital bills.

3. What Are the Types of Health Protection Plans Available?
Great Eastern Takaful offers a range of health protection solutions to suit different needs:

• i-Medi Evolusi Rider:Comprehensive medical rider with annual limit up to RM2 million, 8 main outpatient treatments, deductible option, and access to The Great Journey guided healthcare network.
• i-Great Yaqeen: Critical illness plan covering 61 conditions for children and adults, with essential care benefit for supplementary hospitalisation and a maturity benefit.
• i-Additional Lifetime & i-Lifetime Critical Illness Term Rider: Critical illness rider covering 61 conditions for child and adult in one plan, with 2 options of claims payout and coverage of up to 5x Basic Sum Covered.
• i-Lifetime Critical Illness Benefit Term Rider & i-Early Lifetime Critical Illness Benefit Term Rider: Lifetime critical illness protection covering 61 conditions, with protection for 2 levels of severity and multiple claims payout in the event of critical illness.
• i-Medi Shield Rider: Medical rider with deductible options for affordability, increasing hospital room and board and Overall Medical Limit, and extension of coverage beyond the overall medical limit with co-Takaful.

4. How Much Health Coverage Do I Need?
This depends on your age, health condition, lifestyle, and number of dependants. As a guide, consider the cost of private hospital treatment in Malaysia, which can run into tens of thousands of ringgit for a single admission. A plan with a higher annual limit such as i-Medi Evolusi Rider at up to RM2 million gives you greater peace of mind. Speak to a Takaful advisor for a personalised recommendation.

5. How Does a Takaful Medical Card Work?
When you enrol in a Takaful health plan, your contributions go into a Tabarru' fund. When you need medical treatment, you present your Takaful medical card at a panel hospital and your eligible bills are settled directly, with minimal out-of-pocket payment. For i-Great MediHarapan, you only pay RM300 per disability for selected covered benefits, and we cover the rest.

6. Can Non-Muslims Purchase Takaful Health Plan?
Yes. Takaful health plans in Malaysia is open to everyone, regardless of religion. While it is rooted in Islamic principles of mutual assistance, anyone can participate and enjoy the same comprehensive health coverage, from hospitalisation and surgical benefits to critical illness and outpatient treatment.