MEDICAL CARD / TMKL
MEDIKAD
Takaful Malaysia Keluarga Berhad · Standalone medical card · 3 tiers · verified 24 Aug 2026
| Tier | Annual limit | Lifetime | Room & board | Deductible | Co-ins. | Co-pay | ICU | Day surg. | Renewable | Entry age |
|---|---|---|---|---|---|---|---|---|---|---|
| Standard | RM 550,000 | Unlimited | RM 100 | — | — | Deductible options: Full Protection (no deductible), RM2,000 or RM3,000 per disability; deductible waived at government hospitals and for R&B, govt hospital cash allowance, emergency accident outpatient, outpatient cancer, outpatient kidney dialysis and emergency treatment | Yes | Yes | Yes | 19–69 |
| Pro | RM 825,000 | Unlimited | RM 150 | — | — | Deductible options: Full Protection (no deductible), RM2,000 or RM3,000 per disability; deductible waived at government hospitals and for R&B, govt hospital cash allowance, emergency accident outpatient, outpatient cancer, outpatient kidney dialysis and emergency treatment | Yes | Yes | Yes | 19–69 |
| Max | RM 1,100,000 | Unlimited | RM 200 | — | — | Deductible options: Full Protection (no deductible), RM2,000 or RM3,000 per disability; deductible waived at government hospitals and for R&B, govt hospital cash allowance, emergency accident outpatient, outpatient cancer, outpatient kidney dialysis and emergency treatment | Yes | Yes | Yes | 19–69 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- Official PDS BM (wp-content/uploads/2026/08/PDS-MediKad-BM-29072026.pdf, template with placeholders) + Sijil/CW BM (CW-Medikad-BM-20260330.pdf) benefit schedule: Standard/Pro/Max R&B 100/150/200, annual limit 550k/825k/1.1m; waiting 30/120 days; cover to 85 ANB; entry 19-69 ANB per FAQ; renewal guaranteed, contribution not guaranteed; cashless via panel
Premiums are quote-gated in Malaysia. Get an official quote from TMKL — we never publish invented premiums.