Frequently Asked Question

Medical Malpractice Takaful (MMT) is a comprehensive insurance product designed to protect medical practitioners against allegations of professional negligence, acts, errors, or omissions that may occur during the course of their professional healthcare services. Also known as professional medical indemnity insurance, it provides essential coverage to ensure practitioners can confidently perform their duties with the assurance that they are safeguarded against potential legal claims.

This product is managed by Syarikat Takaful Malaysia Am Berhad. Please go to disclaimer page for product representation.

For individual coverage : Please click [ here ]

For establishments : Please contact us by sending an email to [email protected] 

Medical Malpractice Certificate for Individual Practitioner Including the following automatic extensions as per the terms and conditions of the certificate:

1. Good Samaritan Acts
2. Defamation
3. Intellectual Property Infringement
4. Loss of Documents
5. Run Off Cover
6. Emergency Defence Costs and Legal Representation Expenses
7. Advancement of Defence Costs and Legal Representation Expenses
8. Cyber and Privacy Infringement
9. Retroactive Coverage

• Subject to no known claim and/or claim circumstances as at inception date.
• Subject to no material changes to underwriting information as at inception date.
• Subject to all terms and conditions.

1. For individual coverage with no known claims, you will receive your certificate within 24 hours after we have received your payment, subject to approval.
2. For establishments, you will receive your certificate within 14 business days after payment, subject to approval.

Our service provides certificates exclusively in digital format. You will receive your certificate via email, and it will also be available for download in your account portal.

The contribution for this Takaful may varies individually depending on specialities, limit of liability, claim experience, and other underwriting considerations.

You may choose one from below;

Option 1 : RM250,000 any one claim and in the aggregate

• Only for lowest risk category, ie Government Doctors, Student, Nurse and Medical Assistant. 

Option 2 : RM500,000 any one claim and in the aggregate

• Minimum for General Medical Practitioner, Lecturer, Goverment with Locum (non-specialist)

Option 3 : RM1,000,000 any one claim and in the aggregate

• Minimum for private specialist, GP with Obstetrics, Government with Locum (specialist)

Option 4 : RM1,500,000 any one claim and in the aggregate
Option 5 : RM2,000,000 any one claim and in the aggregate
Option 6 : RM3,000,000 any one claim and in the aggregate
Option 7 : RM5,000,000 any one claim and in the aggregate

Please note that limit of liability differs according to nature of services.

1. You can make payment online by FPX, debit or credit card through our payment gateway partners. 
2. We also welcome cheque deposit upon request.
3. Payment can also be made by walk-in to our nearest branches.

Application for next year opens on 1st July every year. 

1. Full 1-year coverage.
2. Minimum 6-month coverage, with the period ending on December 31st each year.
3. Any coverage less than 6 months in a given year will be prorated and extended to the next year.

If there are no claims or alleged claims against you prior to your application, it should be accepted within minutes. However, please note that coverage approval is ultimately controlled by the insurer. We assure you of our commitment to efficient customer support within our capabilities.

1. We will acknowledge receipt of your application documents.
2. We will process your application and seek approval from the insurer, only after we receive your payment.
3. The commencement date will depend on your requested start of coverage. For example, if the start date is today or up to a maximum of 30 days prior, your coverage will commence accordingly.
4. The same rule applies if you request to start coverage up to a maximum of 2 months in advance, or for the following year upon availability. The coverage commencement will follow this request.
5. For backdated coverage, you will be prompted with a Letter of Undertaking attached with your certificate assuring there are no identified claims prior to the date of the coverage request.

In the event of a claim or if you are aware of a potential claim, please email us at [email protected] no later than 90 days after the expiry of the Period of Takaful.

This will be treated separately. We will need the claim and/or alleged claim details and may propose an offer with certain terms and conditions. 

This website contains information for individual coverage. Please send us a request for establishment coverage by sending an email to us at [email protected]

No, having your own takaful coverage does not make you a more likely target for a lawsuit. When something happens and a patient is injured, most lawyers will name everyone who was involved in the patients’ care in the lawsuit—whether you have your own coverage or not.

It is highly recommended for you to own individual indemnity coverage because the goverment will not cover the cost of medico legal totally such as preliminary legal representatives. You will have to bear the cost yourself, which may take a substantial amount from your savings.

Yes of course, with condition that there is no ongoing claim on the date of request. You will be required to top-up the prorated amount of the year. If you have an ongoing claim, it will be subject to approval.

As for individual coverage, you have the option not to update your place of practice in your existing certificate. Unless there are changes in your category or risk exposure.

Medical Malpractice Takaful contributions may be deductible for tax purposes if they are paid by a business entity as part of its operational expenses. For individuals, such premiums are typically not deductible. It is important to consult with a tax professional or refer to the relevant tax regulations in your jurisdiction to understand the specific conditions that apply.