SME Care Takaful

Human capital is a critical investment and a driving force behind your business Etiqa SME Care Takaful enables you to safeguard your employees with comprehensive protection, delivered in a Fast & Easy manner for both the employees & the employer:

Key Benefits

One-stop Solution
Employees can enjoy coverage for death, disability, illness, hospitalisation & outpatient, all from a single provider
Cardless Medical Care
Employees can visit hospitals & clinics without the need for a physical medical card
Cashless Medical Care
Guarantee Letter provided for admission without payment at panel hospitals nationwide with just one phone call to our 24/7 hotline. Employees can also seek medical care at panel clinics without payment
Etiqa+ App
Etiqa+ App
App which empowers employee via self-service functionality such as Guarantee Letter & real-time certificate information viewing, anywhere & anytime

Comprehensive solution with flexibility for your business needs:

Group Family Takaful
Protect your employees from the uncertainties in life with lump sum payouts.
Basic coverage to provide for the following events:
  • Death
  • Total and Permanent Disability
  • Permanent Partial Disability
  • Terminal Illness
Ensure your employees have a fighting chance of survival in the event they are diagnosed with a critical illness.
Optional add-on to cover for critical illness:
  • 36 Critical Illnesses
Group Hospitalisation & Surgical
Ensure your employees focus on recovery rather than worrying about the medical cost.
Optional add-on for nationwide medical coverage:
  • Cashless hospital admission
  • Comprehensive hospitalisation and surgical coverage including Pre and Post hospitalisation
  • Outpatient Cancer & Kidney Dialysis Treatment
  • RM10,000 cash payout for Funeral Expenses
Group Outpatient
Ensure your employees get swift medical attention with cashless access to our large network of panel providers nationwide.
Optional add-on to cover medical treatments at clinics or specialist care centers:
  • Cashless medical care
  • Unlimited general practitioner care treatments
  • Specialist care treatments
  • Access to a large network of clinics & specialist care centers nationwide


Underwritten by Etiqa Family Takaful Berhad (199301011506)
(Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia)