MY://INSURANCE [F1] HELP [D] DATA [I] INDEPENDENCE

AS-OF 2026-08-26 VERIFIED

PAMB 9TIER RM 150 R&B PRUBSN 16TIER RM 200 R&B AIAPUBLICTAKAFUL 14TIER RM 1,500,000 annual limit AIA 9TIER RM 1,500,000 annual limit ALLIANZ 14TIER RM 3,000,000 annual limit AMMETLIFETAKAFUL 8TIER RM 100,000 annual limit ETIQAFAMILY 16TIER RM 60,000 annual limit ETIQALIFE 16TIER RM 50,000 annual limit SUNLIFE 9TIER RM 2,000,000 annual limit FWDTAKAFUL 14TIER RM 50,000 annual limit GETAKAFUL 13TIER RM 1,500,000 annual limit GENERALI 18TIER RM 110,000 annual limit AMMETLIFE 7TIER RM 100,000 annual limit FWD 12TIER — GELIFE 10TIER — ZURICH 18TIER RM 50,000 annual limit HLA 7TIER RM 2,500,000 annual limit MANULIFE 11TIER RM 3,000,000 annual limit MCIS 32TIER RM 150,000 annual limit TOKIOMARINE 31TIER RM 80 R&B SUNLIFETAKAFUL 26TIER RM 300,000 annual limit ZURICHTAKAFUL 10TIER RM 500,000 annual limit TAKAFULIKHLAS 11TIER RM 250,000 annual limit TMKL 6TIER RM 550,000 annual limit PAMB 9TIER RM 150 R&B PRUBSN 16TIER RM 200 R&B AIAPUBLICTAKAFUL 14TIER RM 1,500,000 annual limit AIA 9TIER RM 1,500,000 annual limit ALLIANZ 14TIER RM 3,000,000 annual limit AMMETLIFETAKAFUL 8TIER RM 100,000 annual limit ETIQAFAMILY 16TIER RM 60,000 annual limit ETIQALIFE 16TIER RM 50,000 annual limit SUNLIFE 9TIER RM 2,000,000 annual limit FWDTAKAFUL 14TIER RM 50,000 annual limit GETAKAFUL 13TIER RM 1,500,000 annual limit GENERALI 18TIER RM 110,000 annual limit AMMETLIFE 7TIER RM 100,000 annual limit FWD 12TIER — GELIFE 10TIER — ZURICH 18TIER RM 50,000 annual limit HLA 7TIER RM 2,500,000 annual limit MANULIFE 11TIER RM 3,000,000 annual limit MCIS 32TIER RM 150,000 annual limit TOKIOMARINE 31TIER RM 80 R&B SUNLIFETAKAFUL 26TIER RM 300,000 annual limit ZURICHTAKAFUL 10TIER RM 500,000 annual limit TAKAFULIKHLAS 11TIER RM 250,000 annual limit TMKL 6TIER RM 550,000 annual limit

insurance.subimpact.net

MEDICAL CARD / Takaful IKHLAS

IKHLAS BERSAMA

Takaful IKHLAS Sdn Bhd · Standalone medical card · 1 tiers · verified 26 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
IKHLAS Bersama	—	—	—	—	—	—	—	—	—	30 days–70

IKHLAS Bersama —

LIFETIME: —
ROOM & BOARD: —
DEDUCTIBLE: —
CO-INS.: —
CO-PAY: —
ICU: —
DAY SURG.: —
RENEWABLE: —
ENTRY AGE: 30 days–70

● WAITING PERIODS

General: —
Specified (120-day): —
Pre-existing: —

● SOURCE

Verified: 26 Aug 2026
Source: official PDS / product page
Endowment (hibah & protection) takaful with 40-year protection; pays sum covered plus participant's individual fund (PIF) on death; optional riders attachable with additional tabru' deducted from PIF. Website: eligibility 30 days to 70 years (age next birthday); apply via Takaful IKHLAS agents; accelerated death expense of 10% basic sum covered up to RM20,000; death benefit of balance of sum covered + savings; riders, top-up (regular/ad-hoc), partial withdrawal and maturity benefit. PDS illustration: RM500,000, healthy 30-year-old male, RM3,162/year, contribution until age 70. Fees: wakalah 9% of contribution, certificate charge RM4-RM5/month, partial withdrawal RM50, surrender fee RM50, reinstatement RM15, surplus administration charge 50% of gross surplus, investment performance fee 30% of PIF income. Company named in PDS is Takaful Ikhlas Family Berhad.

Premiums are quote-gated in Malaysia. Get an official quote from Takaful IKHLAS — we never publish invented premiums.

[!] THIS IS NOT FINANCIAL ADVICE. BENEFITS CHANGE — ALWAYS CONFIRM ON THE INSURER'S OFFICIAL SITE.