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Takaful protection

Choose protection by need, not by product name

Here are the main types of protection I help families and business owners plan for. Pick what you need and I will recommend the AIA PUBLIC Takaful plan that fits your budget.

Medical Card

Covers hospital and surgery bills, with cashless admission at panel hospitals across Malaysia.

Who it suits

Every age, especially families with young children and anyone who wants to avoid big hospital bills.

Key points

  • Cashless admission at panel hospitals with a guarantee letter (GL)
  • Room & board, ICU, surgery and diagnostic tests
  • Pre- and post-hospitalisation treatment

Hibah Takaful

A cash gift for your family on death or total permanent disability, to settle debts and keep life going. Paid straight to your nominee, outside the faraid process.

Who it suits

Heads of household, couples with young children, and anyone with a home, car or personal loan.

Key points

  • Lump sum paid to your nominee on death or total permanent disability
  • Helps settle debts and cover family expenses
  • Paid directly to the hibah beneficiary, without waiting for the estate to be distributed

Critical Illness

A lump sum when you are diagnosed with a critical illness such as cancer, heart attack or stroke, so you can rest and recover without worrying about income.

Who it suits

Anyone who depends on a monthly salary, especially with a family history of cancer, heart disease or stroke.

Key points

  • Lump sum paid on diagnosis, not a bill reimbursement
  • Use it to replace income, pay for treatment or keep up monthly commitments
  • Early- to late-stage cover options, depending on the plan

Keyman Policy

For business owners: protect your company from losses if a key person passes away or becomes permanently disabled.

Who it suits

Business owners, partners and companies that rely on a few key people.

Key points

  • Payout to the company if a key person dies or becomes permanently disabled
  • Helps maintain cash flow, pay business debts or find a replacement
  • Can be structured alongside a partners' buy-sell agreement

Savings & Investment

Build your children's education fund or a second retirement pot through an investment-linked takaful plan.

Who it suits

Parents planning their children's education fund, and anyone who wants extra retirement savings.

Key points

  • Combines takaful protection with shariah-compliant investment
  • Fixed, disciplined monthly contributions
  • Investment value depends on fund performance and is not guaranteed

Personal Accident

Accident cover at a low contribution. An easy option for seniors and those who find it hard to get a medical plan.

Who it suits

Seniors, outdoor workers and anyone who wants basic cover at a low contribution.

Key points

  • Cover for accidental death and disability
  • Low contribution and a simple application
  • A good add-on to your existing plans

General information only. Benefits, exclusions and eligibility depend on the plan chosen and are subject to underwriting by AIA PUBLIC Takaful.

Not sure which protection you need?

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