Etiqa Takaful offers Shariah-compliant insurance and takaful solutions for individuals and businesses in Malaysia — backed by Maybank Group, Malaysia's largest financial services group.
Takaful is an Islamic insurance concept based on the principles of mutual assistance (ta'awun) and shared responsibility. Participants contribute into a common pool (tabarru') which is used to help any member who suffers a loss.
Unlike conventional insurance, takaful is structured to be free of elements prohibited under Shariah law — specifically riba (interest), gharar (uncertainty) and maisir (gambling). All Etiqa Takaful products are certified by Shariah advisors and regulated by Bank Negara Malaysia.
One of the unique advantages of takaful is the concept of surplus sharing — if the takaful fund generates a surplus after claims and expenses, participants may receive a share of that surplus back.
Participants mutually agree to help one another financially in the event of loss or damage — creating a community of shared responsibility.
Contributions are made as donations to the takaful fund, not as premiums — ensuring the arrangement is free from prohibited elements.
If the takaful fund generates a surplus, participants may receive a portion back — a key advantage over conventional insurance.
All products are certified by Shariah scholars and structured to be free from riba, gharar and maisir — in full compliance with Islamic principles.
Shariah-compliant vehicle protection for cars, motorcycles and electric vehicles.
Comprehensive Shariah-compliant coverage for your car against accident, fire and theft.
Specialised takaful for electric vehicles with coverage tailored for EV-specific risks.
Comprehensive or third party takaful coverage for motorcycles of all engine sizes.
Earn up to 30% cash rebates by driving less — unique Etiqa reward programme.
Shariah-compliant travel protection for domestic and international trips.
Comprehensive Shariah-compliant travel plan covering medical, cancellation, baggage and delays worldwide.
Affordable domestic travel takaful covering flight delays and local travel inconvenience.
Family travel plan covering 2 adults and up to 10 children under a single contribution.
Additional coverage for adventurous sports and high-risk activities during travel.
Shariah-compliant protection for your home and its contents.
Covers the structure of your home against fire, flooding, lightning and other natural perils.
Covers your home contents and personal belongings against loss or damage.
Shariah-compliant fire and property protection for business premises and commercial properties.
Additional flood coverage for your home — especially important given Malaysia's seasonal flooding risks.
Comprehensive health and accident protection on a Shariah-compliant basis.
Comprehensive hospitalisation and medical takaful with access to Etiqa's extensive panel network.
Lump sum payout upon diagnosis of critical illness — covering major conditions including cancer, heart attack and stroke.
Dedicated cancer protection plan with payout upon cancer diagnosis for treatment and recovery.
Covers accidental death, permanent disability and medical expenses on a Shariah-compliant basis.
Affordable medical takaful with access to Etiqa's nationwide panel clinics and hospitals.
Group hospitalisation and medical takaful for employee benefits — Shariah-compliant.
Shariah-compliant solutions for business protection and long-term savings.
Shariah-compliant takaful for commercial vehicles, lorries and business fleets.
Mandatory takaful for foreign workers covering PA and hospitalisation on Islamic principles.
Group personal accident takaful for employees — Shariah-compliant with surplus sharing.
Long-term savings plan on a Shariah-compliant basis with protection and returns.
Exclusive family takaful plan available to EPF members for long-term protection.
Pure protection takaful plan covering death and total permanent disability (TPD).
Every Etiqa Takaful product is structured in compliance with Shariah law — free from riba, gharar and maisir.
All financial transactions are structured to be completely free from interest — in accordance with Islamic finance principles.
All terms and conditions are clearly defined and transparent — eliminating excessive uncertainty in the takaful contract.
The takaful structure ensures contributions are donations for mutual benefit — not speculative or gambling in nature.
If the takaful fund generates a surplus, participants may receive a share — a unique benefit that conventional insurance does not offer.
Best Motor Takaful Provider & Best Family Takaful Provider — voted by Malaysians via iBanding.
Backed by Malaysia's largest financial services group — providing financial strength and stability.
Over 55% market share in online premiums — manage your takaful easily via the Etiqa+ app.
Claims settled promptly and fairly — with cashless medical care at panel hospitals nationwide.
46 branches, 17 offices and 490+ bancassurance points across Malaysia.
First insurance and takaful company in Malaysia to sign the United Nations' Principles for Sustainable Insurance.
Contact us today for a personalised Shariah-compliant protection plan tailored to your needs.