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- Campaign Active
25 November 2025 – 14 February 2026
Terms & Conditions apply. Read here.
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; and
- The Kaotim MediKad application is assessed and approved by Takaful Malaysia's underwriting assessment as a "Standard" case i.e., without any loadings or exclusions applied to the new Kaotim MediKad certificate.
Campaign Mechanics
FAQ
What is Kaotim MediKad Campaign (“Campaign”)?
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 and receive a one-month contribution rebate, subject to the terms and conditions of this Campaign.
Who is eligible for this Campaign?
This Campaign is open to individuals who have an existing individual medical takaful certificate or insurance policy from another takaful or insurance company which has been continuously in force for more than 4 months at the time of the Kaotim MediKad application and the Kaotim MediKad application must be assessed and approved by Takaful Malaysia’s underwriting assessment as a “Standard” case, meaning without any loadings or exclusions applied.
How long is the Campaign period?
This Campaign runs from 25th November 2025 until 14th February 2026 (both dates inclusive) (“Campaign Period”).
How does this Campaign work?
- The eligible customers must subscribe to Kaotim MediKad during the Campaign Period and must truthfully disclose and answer the question confirming that they have an existing individual medical takaful certificate or insurance policy from another takaful or insurance company.
- The customers are required to complete the underwriting assessment. Only “Standard” cases, i.e., without any loadings or exclusions applied to the new Kaotim MediKad certificate, are eligible to participate in this Campaign.
- The eligible customers will then see the additional declaration in the ‘Aqad, Declaration and Authorisation by Proposed Participant’ page before proceeding with payment. They will be required to read and tick the additional declaration to continue with the application.
- Once the Kaotim MediKad certificate is successfully issued and in force during the Campaign Period, the eligible customer will be recognised as part of this Campaign (“Participants”).
- Successful certificates issued under this Campaign will be granted instant coverage, whereby the 120-day waiting period for specific illnesses and the 30-day waiting period for other illnesses will be waived.
How to apply for this Campaign?
- Any Takaful myCare Centre (TMCC) branch; or
- The Kaotim MediKad subscription journey at https://medikad.kaotim.my/getquote.
What is the reward for this Campaign?
The Participants whose Kaotim MediKad certificates remain in force for 3 months from the certificate issuance date will receive a rebate equivalent to 1 month’s contribution.
Where can the customers view the additional clause related to this Campaign after certificate issuance?
The customers may refer to the additional clause under the ‘Important Notes’ section in the e-Certificate Information Page (“e-CIP”) 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.
