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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 / Zurich Takaful

TAKAFUL FAMILY HERO

Zurich Takaful Malaysia Berhad · 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
Takaful Family Hero	—	—	—	—	—	—	—	—	—	14 days old–70

Takaful Family Hero —

LIFETIME: —
ROOM & BOARD: —
DEDUCTIBLE: —
CO-INS.: —
CO-PAY: —
ICU: —
DAY SURG.: —
RENEWABLE: —
ENTRY AGE: 14 days old–70

● WAITING PERIODS

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

● SOURCE

Verified: 26 Aug 2026
Source: official PDS / product page
Local artifacts: product page takaful-family-hero.txt (incl. FAQ) + PDS pds/family-hero-en.txt (dated 05 Dec 2025, illustration RM4,520/yr, 50-year term). Death or TPD pays higher of 100% BSC or PIA value; TPD only up to age 75; accidental death ladders: Public Transportation +100% BSC, Overseas +100% BSC, Balik Kampung +200% BSC (accident during Malaysia National Public Holiday on a Toll Expressway), Hajj +300% BSC (Wukuf in Arafah, Tawaaf in Masjidil Haram, Sa'ie); TPD Yearly Recovery 5% BSC for 10 years; Ziarah Plus +10% BSC or max RM50,000 (heat stroke/stampede/crush, fire in public building, MERS-Cov in Saudi Arabia); Family Care Privilege up to 4 legal spouses/children, up to 25% BSC, max RM300,000 per life, no underwriting; Maturity Benefit = PIA value; no medical check-up up to RM1,500,000; contribution terms 10/20 years (min sum covered RM250,000) or throughout certificate term (min RM50,000); entry age 14 days to 70 years old (participant at least 16); Shariah: Wakalah, tabarru' to PRIA, Surplus Sharing 50:50, Ju'alah 10% of PIA investment profit.

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

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