FREQUENTLY ASKED QUESTIONS
You do not need to know everything to start.
We explain things one at a time.
I do not know which plan suits me. Can you help?
Yes. We start with your needs, existing protection and budget. You do not need to know every term before speaking with us.
I already have a plan. Do I need a new one?
Not necessarily. We review your existing protection first. If it still meets your needs, there is no reason to replace it just to take up a new plan.
Is there a charge for a policy review?
Policy reviews are free. There is no obligation to take up a new plan.
Can Pelindung.my review policies from other companies?
Yes. We help explain and review your protection. Official servicing and policy changes for other companies remain with the relevant operator or authorised representative.
What if I cannot find my e-Certificate?
WhatsApp us. We will explain which documents are needed. You can continue your review without uploading documents.
Can we consult online or face to face?
Yes. Online consultations or meetings around Kuala Lumpur and Selangor are arranged by appointment through WhatsApp.
What is the difference between takaful and insurance?
Takaful is based on mutual assistance and Shariah principles. Conventional insurance uses a different structure. Understand benefits, exclusions and affordability before choosing.
What is the difference between Medical Card, Hibah Takaful and Critical Illness?
Medical Card: helps pay for covered hospital and treatment costs.
Hibah Takaful: provides cash benefits to loved ones upon death through conditional hibah nomination, according to certificate terms.
Critical Illness: provides cash benefits when the diagnosis meets the covered critical illness conditions.
How much protection do I need?
It depends on income, dependants, commitments, assets, existing protection and goals. We help estimate your needs before discussing options.
How much should I budget?
Start with an amount you are comfortable with. We help prioritise options based on affordability and long-term planning.
My agent is hard to reach or no longer active. Can you help?
We can help you understand your plan and find the relevant servicing channels. A review does not automatically change your agent or policy.
What will you review in my policy?
We review coverage amounts, benefits, payments, savings values if any and coverage duration. For medical cards, we also assess annual limits, room entitlement and out-of-pocket payments against current treatment costs.
Can I apply if I have a medical history?
A medical history does not automatically prevent an application. Eligibility depends on underwriting and the product and operator terms. Share accurate information so we can help.
Do I need a medical check-up before applying?
It depends on your age, coverage amount, health declaration and underwriting requirements. We will explain the next steps.
Will my contribution stay the same or increase?
The plans we offer have fixed scheduled contributions, including medical plans. We help you choose a contribution that suits your budget and long-term plans.
For medical plans, contributions may change if medical repricing occurs, depending on prevailing circumstances. If this happens, we will help review your options and guide you based on your needs and affordability.
Can I use my coverage as soon as the certificate is active?
Coverage start dates and waiting periods differ by benefit. Check accident benefits, general illnesses, specified illnesses and exclusions before using your plan.
What happens after I submit my assessment?
Our adviser reviews your information and discusses suitable options with you. The assessment does not commit you to taking a plan.
Will Pelindung.my still help after my certificate is active?
Yes. We provide servicing guidance, claims guidance and reviews as your needs change.
How do I make a claim?
Contact us for guidance on the process and required documents. Claims are subject to the operator’s assessment and certificate conditions.
How will I receive my policy book and e-Certificate?
Physical policy books are delivered by courier to clients outside KL/Selangor. You can also access your e-Certificate through Great Eastern Takaful’s official i-Get In Touch portal.