Customer Portal

Subscribe to Kaotim MediKad now!

Enjoy instant coverage with no waiting period and skip health questions.

  • Campaign Active

21 October 2026 – 31 December 2026

Terms & Conditions apply. Read here.

Eligibility

Campaign Mechanics

Eligibility

This campaign is open to all individuals who fulfil all the following criteria:

  • Subscribe to a new Kaotim MediKad certificate during the campaign period; and
  • Have an existing individual medical takaful certificate/insurance policy from another takaful/insurance company which has been continuously in force for more than four (4) months at the time of application for Kaotim MediKad.

Campaign Mechanics

To participate, eligible customers must apply for Kaotim MediKad through any of the following channels:

a. Any Takaful myCare Centre (TMCC) Branches; or

b. The Kaotim MediKad subscription journey.
During the application process, customers must truthfully disclose and answer the question confirming that they have an existing individual medical takaful certificate/insurance policy from another takaful/insurance company that has been continuously in force for more than 4 months.
Customers aged 50 years old and below will be required to answer the following 2 questions:

a. Whether the customer has not made any claims in the past 3 years; and

b. Whether the customer’s existing medical takaful certificate/insurance policy is considered a “Standard” case.

Customers who answer “Yes” to both questions in paragraphs (a) and (b) above will be exempted from completing the Health Questionnaire and proceed directly to the ‘Summary Details’ page.
Customers aged above 50 years old and customers who answer “No” to either or both questions in paragraph 3 will be required to complete the Health Questionnaire. Eligibility for this campaign is subject to their application being assessed and approved by Takaful Malaysia’s underwriting assessment as a “Standard” case i.e., without any health loadings or exclusions applied to the Kaotim MediKad certificate.
Eligible customers will need to acknowledge an additional disclosure on the ‘Aqad, Declaration and Authorisation by Proposed Participant’ page, where they must choose whether to opt in to instant coverage, whereby the 120-day and the 30-day waiting period will be waived, or opt out of instant coverage and remain subject to the standard waiting period set out in the certificate terms and conditions.
Once the eligible customer’s Kaotim MediKad certificate is successfully issued and in force during the campaign period, the customer will be recognised as a participant in this campaign.
Participants whose certificates are successfully issued and who opt in to the waiting period waiver through this campaign will be granted instant coverage, whereby the 120-day waiting period for specified illnesses and the 30-day waiting period for other illnesses will be waived.
1
2
3
4
5
6
7
Subscribe Now

FAQ

This campaign is an exclusive campaign aimed at promoting Kaotim MediKad to customers who have an existing individual medical takaful certificate or insurance policy with another takaful or insurance company. The eligible customers may enjoy instant coverage without the 30-day and 120-day waiting periods, subject to the terms and conditions of this campaign.

No, the customers may subscribe to any plan offered under Kaotim MediKad.

The underwriting process under this campaign is subject to the applicable underwriting guidelines. Customers aged 50 years old and below who confirm that they have been claim-free for the past 3 years and their existing medical takaful certificate or insurance policy is a “Standard” case will be exempted from completing the Health Questionnaire. However, customers aged above 50, and customers who have made a claim within the past 3 years and/or whose existing medical takaful certificate or insurance policy is classified as a “Substandard” case are required to proceed directly with the underwriting process.

The customers may refer to the additional clause under the ‘Important Notes’ section on the e-Certificate Information Page of the certificate issued after their Kaotim MediKad application is successful and payment has been made. The clause will be included as part of the certificate documents for their reference.

The customers are not required to cancel their existing individual medical takaful or insurance plan after subscribing to Kaotim MediKad. The decision to maintain or terminate the existing plan is entirely at the customer’s discretion. This campaign does not require or mandate the cancellation of any existing coverage.

Yes. If your Kaotim MediKad certificate lapses and is reinstated, the waiting periods will apply again. All other product terms and conditions remain unchanged. The waiting period waiver under this campaign is only applicable at the point of new certificate issuance.

Document Download

Scroll to Top