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 550,000annual limit	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 825,000annual limit	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 1,100,000annual limit	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

Standard RM 550,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 100
DEDUCTIBLE: —
CO-INS.: —
CO-PAY: 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
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 19–69

Pro RM 825,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: —
CO-INS.: —
CO-PAY: 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
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 19–69

Max RM 1,100,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: —
CO-INS.: —
CO-PAY: 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
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 19–69

● WAITING PERIODS

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.

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