As hospital cost can be substantial and can wipe out your saving, the last thing you would want to worry about is money. Furthermore, this plan also provides 24 hours worldwide coverage for death and disability benefits due to natural or accidental causes.

As soon as you registered with UPSI with the premium insurance paid and University notify us in
writing and subject to our policy terms, conditions, and exclusion specified in the Policy Contract.

The payment of premium is to be paid annually to UPSI upon registration.

Sickness, disease or illness which you have been suffering from prior to the effective date of your cover.

The coverage will continue as long as you are registered as UPSI student, active status, paid the
takaful contribution, and subject to renewal of the plan made between IIUM and Etiqa Takaful
Berhad.

•  Illness contracted within the first 30 days from the Effective Date of cover
•  Exclusion specified in the policy contract
• Treatment received overseas following more than 90 days stay overseas.

Etiqa Takaful Berhad is the coverage provider for this plan. Established in 1993, is licensed under
Takaful Act 1984 and regulated by the Central Bank of Malaysia to transact all classes of takaful
business. Etiqa Takaful is the largest takaful operator and a member of Maybank Group, the largest
financial Institution in Malaysia

Effective from 01 September 2020, no medical card will be reprinted. Students can download Etiqa
Smile Apps for more information and the admission process.

All Government Hospitals DO NOT accept insurance medical cards but do accept the Guarantee letter
issued by Etiqa Takaful. For inpatient treatment in any government Hospital, you need to call the
Etiqa Healthcare call Centre requesting for Guarantee Letter.

This medical plan DO NOT cover normal outpatient treatment except for emergency cases caused by
accident or sickness (subject to policy terms, conditions, and exclusions)

Please ensure the room rate per day is RM150.00 or below. If the rate is higher than RM150.00, the
patient shall bear 20% of the eligible benefits.

Present your medical card at the Hospital admission Counter. If you have no card, just provide full
name and passport no and the hospital will verify with Etiqa Healthcare Call Centre.