Why does insurance.subimpact.net not show premiums?

Malaysian insurers quote-gate premiums: the price depends on your age, health, smoker status and claims history, so no single premium exists for a product. Publishing invented numbers would be worse than useless. We compare documented benefits only, and link you to the insurer for an official quote.

What does "verified" mean on insurance.subimpact.net?

Every product tier carries a verification date and a source URL — the insurer's official Product Disclosure Sheet (PDS) or product page. Data was last verified 2026-08-26. Fields the source does not state are marked "not disclosed"; fields that do not apply are marked "n/a".

Is insurance.subimpact.net affiliated with any insurer?

No. The site is independent, accepts no payment for placement, and publishes a public conflicts register. See /conflicts/ for the full independence policy.

What is the MHIT plan?

Bank Negara Malaysia is introducing a standardised base Medical and Health Insurance/Takaful (MHIT) plan — pilot in H2 2026, full rollout targeted early 2027 — with tiered co-payments by hospital network and coverage up to age 85. We track how medical card products change as this reform lands.

MY://INSURANCE — VERIFIED PRODUCT DATA

Malaysia's medical card & life insurance database. Every tier carries a verification date and a source URL.

● WHY NO PREMIUMS?

Malaysian insurers quote-gate premiums: the price depends on your age, health, smoker status and claims history — so no single premium exists for a product. Anyone showing you a definitive RM figure for a specific person is estimating or selling. We compare documented benefits only, and link you to the insurer for an official quote.

INSURERS

229

PRODUCTS

337

TIERS

2026-08-26

LAST VERIFIED

● BROWSE BY FACT

● INSURERS TRACKED

Prudential LIFE

4 products · 9 tiers · verified 24 Aug 2026

PruBSN TAKAFUL

12 products · 16 tiers · verified 26 Aug 2026

AIA PUBLIC TAKAFUL

11 products · 14 tiers · verified 26 Aug 2026

AIA LIFE

6 products · 9 tiers · verified 24 Aug 2026

Allianz LIFE

13 products · 14 tiers · verified 24 Aug 2026

AmMetLife Takaful TAKAFUL

8 products · 8 tiers · verified 26 Aug 2026

Etiqa Family TAKAFUL

9 products · 16 tiers · verified 26 Aug 2026

Etiqa LIFE

10 products · 16 tiers · verified 24 Aug 2026

Sun Life LIFE

8 products · 9 tiers · verified 24 Aug 2026

FWD Takaful TAKAFUL

8 products · 14 tiers · verified 26 Aug 2026

GE Takaful TAKAFUL

8 products · 13 tiers · verified 26 Aug 2026

Generali LIFE

10 products · 18 tiers · verified 24 Aug 2026

AmMetLife LIFE

6 products · 7 tiers · verified 24 Aug 2026

FWD LIFE

12 products · 12 tiers · verified 26 Aug 2026

Great Eastern LIFE

10 products · 10 tiers · verified 26 Aug 2026

Zurich LIFE

12 products · 18 tiers · verified 26 Aug 2026

HLA LIFE

7 products · 7 tiers · verified 24 Aug 2026

Manulife LIFE

11 products · 11 tiers · verified 24 Aug 2026

MCIS LIFE

15 products · 32 tiers · verified 24 Aug 2026

Tokio Marine Life LIFE

9 products · 31 tiers · verified 24 Aug 2026

Sun Life Takaful TAKAFUL

20 products · 26 tiers · verified 26 Aug 2026

Zurich Takaful TAKAFUL

7 products · 10 tiers · verified 26 Aug 2026

Takaful IKHLAS TAKAFUL

9 products · 11 tiers · verified 26 Aug 2026

TMKL TAKAFUL

4 products · 6 tiers · verified 26 Aug 2026

● PRODUCTS

PRUValue Med ILP RIDER

AIA i-One Plan STANDALONE

AIA PUBLIC · 1 tiers

—

AIA i-Starter Plan STANDALONE

AIA PUBLIC · 1 tiers

—

A Life Idaman STANDALONE

AIA PUBLIC · 1 tiers

—

A Life Joy Xtra STANDALONE

AIA PUBLIC · 1 tiers

—

A Life Legasi Beyond STANDALONE

AIA PUBLIC · 1 tiers

—

A Life Sejuta Makna STANDALONE

AIA PUBLIC · 1 tiers

—

A-Enrich Rezeki STANDALONE

AIA PUBLIC · 1 tiers

—

A-EnrichGold-i STANDALONE

AIA PUBLIC · 1 tiers

—

A-Plus Infaq STANDALONE

AIA PUBLIC · 1 tiers

—

A-Plus ParentCare Xtra-i STANDALONE

AIA PUBLIC · 1 tiers

—

A-Plus Health 2 ILP RIDER

AIA · 2 tiers

from RM 1,500,000 annual limit

A-Plus Health 360 ILP RIDER

AIA · 3 tiers

from RM 3,000,000 annual limit

HealthAssured ILP RIDER

Allianz · 2 tiers

from RM 3,000,000 annual limit

FlexiSecure-i Link STANDALONE

AmMetLife Takaful · 1 tiers

—

FlexiCare-i Plus STANDALONE

AmMetLife Takaful · 1 tiers

—

ProtectSecure-i Murni STANDALONE

AmMetLife Takaful · 1 tiers

—

PrestigeWealth-i STANDALONE

AmMetLife Takaful · 1 tiers

—

LegacySecure-i Link STANDALONE

AmMetLife Takaful · 1 tiers

—

Protect-i Trust STANDALONE

AmMetLife Takaful · 1 tiers

—

i-Am Protect STANDALONE

AmMetLife Takaful · 1 tiers

—

e-Takaful Hayat STANDALONE

Etiqa Family · 1 tiers

—

Mawaddah II STANDALONE

Etiqa Family · 1 tiers

—

i-DoubleSecure STANDALONE

Etiqa Family · 1 tiers

—

Prisma STANDALONE

Etiqa Family · 1 tiers

—

Etiqa Term Takaful Plus STANDALONE

Etiqa Family · 1 tiers

—

OneMedical STANDALONE

Etiqa · 3 tiers

from RM 50,000 annual limit

EzyMedical STANDALONE

Etiqa · 2 tiers

from RM 200,000 annual limit

IL Ultimate Health ILP RIDER

Etiqa · 4 tiers

from RM 1,000,000 annual limit

Shield Medi Care Max ILP RIDER

Sun Life · 2 tiers

from RM 2,000,000 annual limit

FWD Majestic+ STANDALONE

FWD Takaful · 1 tiers

—

FWD Invest First – Education Plan STANDALONE

FWD Takaful · 1 tiers

—

i-Great Chinta STANDALONE

GE Takaful · 1 tiers

—

i-Great Nova STANDALONE

GE Takaful · 1 tiers

—

i-Great Majestik STANDALONE

GE Takaful · 1 tiers

—

i-Great Mega Plus STANDALONE

GE Takaful · 1 tiers

—

i-Great Murni 2.0 STANDALONE

GE Takaful · 1 tiers

—

i-Great Evo STANDALONE

GE Takaful · 1 tiers

—

i-Great Inspirasi STANDALONE

GE Takaful · 1 tiers

—

Multi Medic STANDALONE

Generali · 6 tiers

from RM 110,000 annual limit

OneMedic Plus ILP RIDER

Generali · 4 tiers

from RM 250,000 annual limit

AMP MED XPNSE STANDALONE

AmMetLife · 2 tiers

from RM 100,000 annual limit

Allianz EverLink Signature STANDALONE

Allianz · 1 tiers

—

Allianz EverLink Plus STANDALONE

Allianz · 1 tiers

—

Allianz UltimateLink STANDALONE

Allianz · 1 tiers

—

Allianz SecureCover (Term) STANDALONE

Allianz · 1 tiers

—

Allianz WealthCover (Term) STANDALONE

Allianz · 1 tiers

—

Allianz WealthCover STANDALONE

Allianz · 1 tiers

—

A-Z Protect STANDALONE

Allianz · 1 tiers

—

PowerShield STANDALONE

Allianz · 1 tiers

—

Allianz MoneyBack STANDALONE

Allianz · 1 tiers

—

Allianz i-EssentialCover STANDALONE

Allianz · 1 tiers

—

Allianz Legacy Plus STANDALONE

Allianz · 1 tiers

—

ProtectEase STANDALONE

AmMetLife · 1 tiers

—

ProtectPlus STANDALONE

AmMetLife · 1 tiers

—

AMP LIFE BYOND STANDALONE

AmMetLife · 1 tiers

—

Flexi TermLife STANDALONE

AmMetLife · 1 tiers

—

ProtectSecure STANDALONE

AmMetLife · 1 tiers

—

Ezy-Secure STANDALONE

Etiqa · 1 tiers

—

Ezy-Life Secure STANDALONE

Etiqa · 1 tiers

—

Etiqa Term Plus STANDALONE

MaxiW3alth STANDALONE

Sun Protect Term STANDALONE

Sun Life · 1 tiers

—

Sun eSsential Life STANDALONE

Sun Life · 1 tiers

—

Sun Wealth Plus STANDALONE

Sun Life · 1 tiers

—

Sun Signature Life Plus STANDALONE

Sun Life · 1 tiers

—

SunLink Max STANDALONE

Sun Life · 1 tiers

—

Sun Fortune STANDALONE

Sun Life · 1 tiers

—

Sun Saver Max STANDALONE

Sun Life · 1 tiers

—

FWD Enrich Life STANDALONE

FWD LegacyGuard STANDALONE

FWD · 1 tiers

—

FWD Max Wealth STANDALONE

FWD · 1 tiers

—

FWD WealthLink STANDALONE

FWD · 1 tiers

—

FWD Guaranteed Income Booster STANDALONE

FWD · 1 tiers

—

FWD Life First STANDALONE

FWD · 1 tiers

—

FWD Family First STANDALONE

FWD · 1 tiers

—

FWD Future First STANDALONE

FWD · 1 tiers

—

FWD Hayaat STANDALONE

FWD Takaful · 1 tiers

—

FWD Majestic STANDALONE

FWD · 1 tiers

—

FWD Kasih STANDALONE

FWD Takaful · 1 tiers

—

FWD Life Takaful (Cashback Add-On Rider) STANDALONE

FWD Takaful · 1 tiers

—

Great Term Direct STANDALONE

Great Eastern · 1 tiers

—

Zurich Essential Cover STANDALONE

Zurich · 1 tiers

—

Zurich TermLife STANDALONE

SMARTPROTECT You STANDALONE

Great Eastern · 1 tiers

—

SMARTPROTECT Sure STANDALONE

Great Eastern · 1 tiers

—

SMARTPROTECT Wealth Plus STANDALONE

Great Eastern · 1 tiers

—

SMARTPROTECT Junior STANDALONE

Great Eastern · 1 tiers

—

SMART Revive Max STANDALONE

Great Eastern · 1 tiers

—

GREAT VantageCare 2 STANDALONE

Great Eastern · 1 tiers

—

GREAT Early VantageCare 2 STANDALONE

Great Eastern · 1 tiers

—

GREAT Generation Care STANDALONE

Great Eastern · 1 tiers

—

GREAT MaxiProtector STANDALONE

Great Eastern · 1 tiers

—

GenCreator STANDALONE

Generali · 1 tiers

—

Wealth Creator Premier STANDALONE

Secure Shield STANDALONE

Generali · 1 tiers

—

Wealth Protect Assure 2 STANDALONE

Generali · 1 tiers

—

Wealth Creator STANDALONE

Generali · 1 tiers

—

eLife Protector+ STANDALONE

Generali · 1 tiers

—

Term Cover 10 STANDALONE

HLA · 1 tiers

—

Total Cover Package STANDALONE

HLA Prime Protect Gold STANDALONE

HLA · 1 tiers

—

HLA Wealth Invest STANDALONE

HLA · 1 tiers

—

HLA Legacy Wealth STANDALONE

ManuProtect STANDALONE

Manulife · 1 tiers

—

ManuWhole Life STANDALONE

Manulife · 1 tiers

—

Manulife Future Shield STANDALONE

Manulife · 1 tiers

—

Manulife Easy Cover STANDALONE

Manulife · 1 tiers

—

Manulife Easy Protect STANDALONE

Manulife · 1 tiers

—

Manulife Asset Shield STANDALONE

Manulife · 1 tiers

—

Manulife Heritage STANDALONE

Manulife · 1 tiers

—

ManuLink Essential / ManuLink Essential Plus STANDALONE

Manulife · 1 tiers

—

ManuLink Wealth STANDALONE

Manulife · 1 tiers

—

MyLife Protect STANDALONE

MCIS · 1 tiers

—

EzyProtect STANDALONE

SuperTreasure STANDALONE

MCIS · 1 tiers

—

M-CoreProtect STANDALONE

MCIS · 1 tiers

—

M-Senior Prime STANDALONE

MCIS · 1 tiers

—

Golden SeniorCare STANDALONE

MCIS · 1 tiers

—

M-Fortune Link STANDALONE

PeopleLink STANDALONE

TokioMarine-TermDefender STANDALONE

Tokio Marine Life · 1 tiers

—

Perlindungan Tenang TokioMarine E-ssential Tenang STANDALONE

Tokio Marine Life · 1 tiers

—

TokioMarine-iLifeGuard 2 STANDALONE

Tokio Marine Life · 1 tiers

—

TokioMarine-iBeyond 2 STANDALONE

Tokio Marine Life · 1 tiers

—

PRULive Well STANDALONE

Prudential · 1 tiers

—

PRUTerm Premier STANDALONE

Prudential · 1 tiers

—

PRUWith You Plus STANDALONE

Prudential · 1 tiers

—

A-Life Cover STANDALONE

AIA · 1 tiers

—

A-LifeLink 2 STANDALONE

AIA · 1 tiers

—

A-LifeSecure STANDALONE

AIA · 1 tiers

—

A-LifeTime Secure STANDALONE

AIA · 1 tiers

—

Zurich Everlasting Cover STANDALONE

Zurich · 1 tiers

—

Zurich SureCover STANDALONE

Zurich · 1 tiers

—

Zurich Multi Shield STANDALONE

Zurich · 1 tiers

—

Zurich Prestige Cover STANDALONE

Zurich · 1 tiers

—

Zurich Favour8 STANDALONE

Zurich · 1 tiers

—

Zurich Max1nvest STANDALONE

Zurich · 1 tiers

—

Manulife Health Saver Enrich (MHSE) ILP RIDER

Manulife · 1 tiers

from RM 3,000,000 annual limit

HLA MediShield III Rider ILP RIDER

HLA · 1 tiers

from RM 2,500,000 annual limit

M-Health Secure STANDALONE

MCIS · 10 tiers

from RM 1,000,000 annual limit

M-MedEssential ILP RIDER

MCIS · 4 tiers

from RM 150,000 annual limit

M-MedPro ILP RIDER

MCIS · 6 tiers

from RM 1,000,000 annual limit

Allianz HealthInsured STANDALONE

Allianz · 1 tiers

from RM 5,000,000 annual limit

PruBSN Asas360 STANDALONE

PruBSN · 1 tiers

—

PruBSN Damai STANDALONE

PruBSN · 1 tiers

—

PruBSN Lindungi STANDALONE

PruBSN · 1 tiers

—

PruBSN Lindung Famili STANDALONE

PruBSN · 1 tiers

—

PruBSN Sinar STANDALONE

PruBSN · 1 tiers

—

PruBSN Anggun Protection STANDALONE

PruBSN · 1 tiers

—

PruBSN AnugerahMax STANDALONE

PruBSN · 1 tiers

—

PruBSN Aspirasi STANDALONE

PruBSN · 1 tiers

—

PruBSN iTekad Protection STANDALONE

PruBSN · 1 tiers

—

PruBSN Kritikal Care360 STANDALONE

PruBSN · 1 tiers

—

PruBSN WarisanGold STANDALONE

PruBSN · 1 tiers

—

Sun eSsential-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Apex-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Cover-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Enrich Extra-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Heritage Plus-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Inspirasi STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Istismar Extra STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Legacy Shield STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Prime Link-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Save Invest Takaful STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Secure Treasure-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Ultimate Coverage-i STANDALONE

Sun Life Takaful · 1 tiers

—

Sun Wealth Protect-i STANDALONE

Sun Life Takaful · 1 tiers

—

Suninvest-i STANDALONE

Sun Life Takaful · 1 tiers

—

Takaful Mulia STANDALONE

Sun Life Takaful · 1 tiers

—

Takaful Suria Plus STANDALONE

Sun Life Takaful · 1 tiers

—

Sinar Kasih STANDALONE

Sun Life Takaful · 1 tiers

—

Sinar Wasilah STANDALONE

Sun Life Takaful · 1 tiers

—

i-MedicalCard Elite STANDALONE

Etiqa Family · 2 tiers

from RM 200,000 annual limit

MEDIC eDGE Takaful STANDALONE

Etiqa Family · 1 tiers

—

OneMedical Takaful STANDALONE

Etiqa Family · 3 tiers

from RM 60,000 annual limit

Takafulink Medical Plus ILP RIDER

Etiqa Family · 5 tiers

from RM 1,000,000 annual limit

Prime Medi Care Max-i ILP RIDER

Sun Life Takaful · 2 tiers

from RM 2,000,000 annual limit

Sun MediMax-i STANDALONE

Sun Life Takaful · 6 tiers

from RM 300,000 annual limit

FWD Medical Care+ STANDALONE

FWD Takaful · 2 tiers

from RM 50,000 annual limit

FWD Medical Rider ILP RIDER

FWD Takaful · 4 tiers

from RM 200,000 annual limit

FWD Medical Plus Rider ILP RIDER

FWD Takaful · 3 tiers

from RM 500,000 annual limit

i-Medi Evolusi Rider ILP RIDER

GE Takaful · 6 tiers

from RM 1,500,000 annual limit

MediAfya+ (Zurich MediAfya+) ILP RIDER

Zurich Takaful · 4 tiers

from RM 500,000 annual limit

A-Plus Health 360-i ILP RIDER

AIA PUBLIC · 4 tiers

from RM 1,500,000 annual limit

i-Am Care STANDALONE

AmMetLife Takaful · 1 tiers

from RM 100,000 annual limit

IKHLAS Basic Term Takaful STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Value Term Takaful STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Preferred Term Takaful STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Bersama STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Impianku STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Ilhamku STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Dariku STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Savings Prime Takaful STANDALONE

Takaful IKHLAS · 1 tiers

—

IKHLAS Medik STANDALONE

Takaful IKHLAS · 3 tiers

from RM 250,000 annual limit

MediKad STANDALONE

TMKL · 3 tiers

from RM 550,000 annual limit

Kaotim Legasi STANDALONE

TMKL · 1 tiers

—

Takaful Malaysia Budi STANDALONE

TMKL · 1 tiers

—

Takaful myCI Cover STANDALONE

TMKL · 1 tiers

—

iMediGuard ILP RIDER

Tokio Marine Life · 20 tiers

from RM 500,000 annual limit

iCareGuard ILP RIDER

Tokio Marine Life · 1 tiers

from RM 500,000 annual limit

iCareGuard Plus ILP RIDER

Tokio Marine Life · 1 tiers

from RM 500,000 annual limit

TokioMarine-MedicDefender STANDALONE

Tokio Marine Life · 1 tiers

from RM 80 R&B

TokioMarine-MedSecure STANDALONE

Tokio Marine Life · 4 tiers

from RM 100,000 annual limit

Takaful Al-Shams STANDALONE

Zurich Takaful · 1 tiers

—

Takaful Family Hero STANDALONE

Zurich Takaful · 1 tiers

—

Takaful ProEssential STANDALONE

Zurich Takaful · 1 tiers

—

Takaful ProSecure STANDALONE

Zurich Takaful · 1 tiers

—

Takaful SureCover STANDALONE

Zurich Takaful · 1 tiers

—

Takaful Term 80 STANDALONE

Zurich Takaful · 1 tiers

—

Zurich Smart Health STANDALONE

Zurich · 2 tiers

from RM 1,000,000 annual limit

Zurich iCare Medic STANDALONE

Zurich · 1 tiers

from RM 500,000 annual limit

MaxMedic ILP RIDER

Zurich · 5 tiers

from RM 50,000 annual limit

Zurich InfiniteCare Shield ILP RIDER

Zurich · 2 tiers

from RM 1,800,000 annual limit

[!] DISCLAIMER: THIS SITE IS FOR RESEARCH AND COMPARISON ONLY. IT IS NOT FINANCIAL ADVICE. PREMIUMS ARE QUOTE-GATED — GET AN OFFICIAL QUOTE FROM THE INSURER. ALWAYS CONFIRM CURRENT TERMS ON THE INSURER'S OFFICIAL SITE.