Protect your employees without affecting your company’s pro
Employee Takaful Scheme with Tax Relief
Compassionate Employers, Secure Employees
"A compassionate employer does more than pay salaries—they ensure their employees and their families are protected. This is the greatest gift—peace of mind." 💙
Allah SWT says:
"And help one another in righteousness and piety..."
(Surah Al-Ma’idah: 2)
The Prophet ﷺ said:
"Whoever relieves a Muslim of a hardship in this world, Allah will relieve him of a hardship on the Day of Judgment..."
(Sahih Muslim, No. 2699)
Learn More
Plan coverage
- Employee Accident - Hibah
- Hospital Treatment
- Outpatience Treatment
Tax Benefits for Employers
Employer contributions to takaful are allowed business expenses for tax deduction purposes.
Site Content
Death Hibah
- Free from faraid
- Lump sum payment to the employee’s beneficiaries in the event of death.
- Coverage Amounts: RM 50,000 / RM 100,000 depending on selected plan.
Personal Accident (PA)
- Accidental death or permanent disability.
- Double the Coverage Amounts: RM 100,000 / RM 200,000 depending on selected plan.
Medical Card – Inpatient (Hospitalization) and Outpatient Critical Illness
- Covers hospital admission, surgery, ward fees, and other inpatient treatments.
- Covers follow-up treatment for serious illnesses such as cancer, dialysis, or other critical conditions.
- Coverage Amounts: RM 50,000 / RM 100,000 per year.
Medical Card – Outpatient GP (General Practitioner) Visits
- Includes general outpatient consultations, treatments, and medications.
- Include immediate family members.
- Coverage Amounts: RM 1,500 - RM 2,000 per year.
Examples of Covered Situations:
- Dengue hospitalization – full coverage of ward fees and treatment costs (RM 3,000–RM 7,000 typical).
- Pneumonia or severe respiratory illness – outpatient or admitted, including follow-up care.
- Critical illness treatment – full coverage up to plan limit (e.g., cancer, dialysis).
Very worthwhile investment
Overall Value of Protection
More than RM 120,000.00 for each employee and equal to RM 1.2 million (medical expenses + grant + PA) For 10 employees,
with a cost of only RM 10.500 - RM 13,000 per year..
FEATURES
Scope of Coverages
Death Hibah
- Lump sum payment to the employee’s beneficiaries in the event of death
- Coverage Amounts: RM 50,000 / RM 100,000 depending on selected plan.
Personal Accident (PA)
- Accidental death or permanent disability.
- Coverage Amounts: RM 50,000 / RM 100,000 depending on selected plan.
Medical Card – Inpatient (Hospitalization)
- Covers hospital admission, surgery, ward fees, and other inpatient treatments.
- Coverage Amounts: RM 50,000 / RM 100,000 per year.
Medical Card – Outpatient Critical Illness
- Covers follow-up treatment for serious illnesses such as cancer, dialysis, or other critical conditions.
- Coverage Amounts: RM 50,000 / RM 100,000 per year.
Medical Card – Outpatient GP (General Practitioner) Visits
- Includes general outpatient consultations, treatments, and medications.
- Can extend to immediate family members depending on plan.
- Coverage Amounts: RM 50,000 / RM 100,000 per year.
Examples of Covered Situations:
- Dengue hospitalization – full coverage of ward fees and treatment costs (RM 3,000–RM 7,000 typical).
- Pneumonia or severe respiratory illness – outpatient or admitted, including follow-up care.
- Critical illness treatment – full coverage up to plan limit (e.g., cancer, dialysis).
Takaful Contribution Schedule (RM 50k & RM 100k Coverage)
Notes on Group Discount and Contribution Rate Factors
Group Discount:
- Contributions per employee may decrease as the number of employees increases due to risk pooling and administrative efficiency.
- Typical discount rates:
- 20–49 employees → 3% discount
- 50–99 employees → 5% discount
- 100+ employees → 7–10% discount
Rate Factors:
Contributions are affected by:
- Age: Older employees generally have higher contributions.
- Occupation Risk: Hazardous jobs may have higher rates.
- Coverage Amount: Higher coverage increases the contribution.
- Family Coverage: Including spouse/children for outpatient GP visits can increase rates.