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

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MEDICAL CARD / Zurich Takaful

TAKAFUL PROESSENTIAL

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 ProEssential	—	—	—	—	—	—	—	—	—	14 days old–60

Takaful ProEssential —

LIFETIME: —
ROOM & BOARD: —
DEDUCTIBLE: —
CO-INS.: —
CO-PAY: —
ICU: —
DAY SURG.: —
RENEWABLE: —
ENTRY AGE: 14 days old–60

● WAITING PERIODS

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

● SOURCE

Verified: 26 Aug 2026
Source: official PDS / product page
Local artifacts: product page takaful-proessential.txt (incl. FAQ) + PDS pds/proessential-en.txt (dated 05 Dec 2025, illustration RM4,980/yr for 50-year term). Death or TPD/GAD pays 100% of BSC plus PIA value; TPD coverage to age 75, GAD adds 5 years to age 80; Family Care Privilege up to 4 family members at 25% of BSC without underwriting; coverage terms 20/30/40 years or to age 80; extension within 60 days of maturity without health evidence; riders: KritikalCare Essential Plus, KritikalCare Waiver Plus, KritikalCare Prime Plus, AccidentalCare, Disability Income, Accidental MediBill Reimbursement (ambulance RM500/accident), Hospital Income (halved for non-govt licensed private hospitals); 5% rider discount when all 3 of AccidentalCare + Disability Income + Accidental MediBill Reimbursement attached; entry age 14 days to 60 years old (participant at least 16); contribution payable throughout coverage term, not guaranteed (90 days notice for revision); PayHalal Shariah-compliant gateway; no premiums on accidental benefits; juvenile lien before age 4.

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

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