Frequently Asked Questions – Domestic
Who is eligible to apply?
Malaysians, Malaysian permanent residents, Malaysia employment pass / work permit holders throughout the Period of Takaful.
You must be between 18 to 80 years old and children must be at least 30 days old to 18 years old, or under 23 years old if still studying full-time at a recognized higher education institution and the purpose of the trip is solely for business or leisure.
You must be between 18 to 80 years old and children must be at least 30 days old to 18 years old, or under 23 years old if still studying full-time at a recognized higher education institution and the purpose of the trip is solely for business or leisure.
Who can be covered under the “Family” plan?
The "Family" Plan covers you, your spouse and your children (maximum 5 children) who are travelling with you during the trip.
Can I apply for my child under 18 years old without traveling with him/her?
No, at least one adult is needed to travel with the child.
How to apply for this Takaful plan?
Please log in to Our website at https://online.takaful-malaysia.com.my/Travel to participate in this Takaful myClick Travel PA.
You can apply this Takaful plan one day before the travel date.
You are encouraged to register at least 7 days before departure to enjoy the trip cancellation benefit.
You can apply this Takaful plan one day before the travel date.
You are encouraged to register at least 7 days before departure to enjoy the trip cancellation benefit.
Can I apply this Takaful plan for mountaineering acitivity?
No. We do not cover any mountaineering activity.
What is covered under this plan?
This plan provides coverage for death/permanent disablement, medical expenses, hospital allowances due to accident only and other travel inconvenience benefits. Click here for the full coverage.
When is the Takaful coverage starts?
The coverage will only commence after the travel is beyond fifty (50) kilometers from the person covered's home in Malaysia for a direct journey to the intended destination in Malaysia.
The coverage shall automatically terminate on whichever of the following occurs first:
The coverage shall automatically terminate on whichever of the following occurs first:
- upon death of the person covered;
- upon expiry of the Period of Takaful as stated in the certificate at 23:59 pm Malaysia time; or
- upon the person covered's return to his home in Malaysia.
What is the maximum period of Takaful for each trip?
Up to 31 days for each trip.
How much contribution do I have to pay?
The contribution varies depending on your choice of plan and duration of coverage. You may refer to the table of contributions in the Product Disclosure Sheet.
What are the payment methods allowed for this plan?
You can make the contribution payment via any of the following options:
- Credit / debit card
- Current / savings account via FPX
- e-Wallet*
- Boost
- GrabPay
- Maybank QRPay
- TouchNGo
Do I need to pay any fees/charges other than the contribution?
Yes, you need to pay 8% Service tax and RM10 stamp duty* per certificate in addition to the contribution payment.
Can I change the effective date of my certificate due to a change in my travel date?
We do not allow changes to the certificate effective date. You can cancel the certificate before the departure date and apply for a new plan with the correct travel date. We will refund the contribution for your canceled certificate provided no claim is made.
Can I cancel the certificate and get a refund of the contribution already paid?
You can cancel the certificate before the effective date of your certificate by giving a written notice to Us by email to csu@takaful-malaysia.com.my and get a refund of contribution provided that no claim made is made under your certificate. However, no cancellation is allowed on or after the effective date of your certificate.
What is the procedure if I need to seek medical treatment during my trip?
You need to pay the medical costs first and make a claim after returning to your home by submitting the original bill/receipt to Us.
Is medical treatment limited at any panel hospital/clinic only?
No. We do not have any panel hospital/clinic. You can get medical treatment from any hospital/clinic as long as the hospital/clinic has a valid license to carry out western medical treatment. Payment of claims is subject to the terms and conditions of the certificate.
What should I do if my baggage/ personal effects/ money are lost while travelling?
You must make a police report at the place of incident within 24 hours. If your baggage or personal effects are lost while in the custody of the airline or hotel, please obtain a report from the airline or hotel confirming the incident.
Please submit the report to Us when making a claim after returning to your home.
Please submit the report to Us when making a claim after returning to your home.
What should I do if my flight is delayed?
If your flight is delayed ≥ 6 hours from the scheduled time, you must make a report to the airline and obtain copy of travel delay report. The report must clearly explain the reasons and the duration of the delay.
Please submit the report together with a copy of the flight ticket and boarding pass to us.
Please submit the report together with a copy of the flight ticket and boarding pass to us.
How do I make a claim?
Any claim must be notified in writing to Us as soon as possible and no later than 30 days after the date of the incident.
Please download the Claim Form here, complete the form and send it together with the supporting documents to any of our branches or email to csu@takaful-malaysia.com. We will process your claim within 14 working days of receiving complete documents.
Please download the Claim Form here, complete the form and send it together with the supporting documents to any of our branches or email to csu@takaful-malaysia.com. We will process your claim within 14 working days of receiving complete documents.
What are the exclusions for this Takaful plan?
- Pre-existing conditions;
- Intentional injury, attempted suicide, mental disorder;
- Complications of pregnancy, sexually transmitted diseases, Human Immunodeficiency Virus (HIV), alcohol or drugs;
- Engage in any illegal/unlawful activity/act;
- Loss or damage that is not reported immediately to the relevant authorities after the incident;
- Engaging in sports or games in a professional capacity;
- Work on a merchant ship or as a manual laborer; naval, army or air service or operations, permanent or temporary duty, military or police;
- Travels carried out based on medical advice or when the purpose of travel is to obtain any form of medical treatment, consultation or advice;
- Accident or illness while engaging in motor racing, mountain climbing, rock climbing, and hiking/trekking in remote areas unless with a licensed driver, pot holes, and any activity in the air such as parachuting, hand gliding, bungee jumping, skydiving sky, diving, hot air balloon;
- Loss or damage to stamps, documents, contact lenses or corneas, dentures, glass, marble, pottery, tortoise shells, bulbs, valves, or fragile/breakable items, perishable and consumable items, food/drinks ;
- Loss or damage caused by wear and tear, gradual deterioration, mechanical damage or electrical interference; or
- Loss or damage caused by seizure or detention by customs or authorities.