Search your specialty, choose a limit, and the annual contribution appears. No form, no email, no callback. Recognised for APC and TPC renewal.
Every certificate is underwritten by Syarikat Takaful Malaysia Berhad ·
est. 1984 · agency table, January 2025
Built on the published rate table, shown before anyone asks who you are.
83 practitioner categories, limits to RM5 million, tax included.
Takaful contract with a mandatory Shariah committee, regulated by BNM.
Certificate emailed and accepted for your annual practising renewal.
Hospital cover protects the hospital. Your own certificate follows you, klinik mana pun, locum mana pun. These figures come straight from the January 2025 agency table with 8% SST and RM10 stamp duty included.
From the consultation room to the inquiry room, and on into retirement. Indicative summaries only; the certificate wording governs in all cases.
Price my cover →Compensation and legal costs from an adverse incident.
Before the MMC, MDC or any disciplinary inquiry.
Incidents before your start date, unknown to you.
Claims that surface after you retire or close.
Emergency care outside your normal practice.
Acts of staff or locums under your supervision.
Statements made in the course of practice.
Restoring patient records lost or destroyed.
"The best certificate is the one that fits your practice. Sometimes the honest answer is keep what you already have."
Search your specialty, pick a limit. The contribution appears instantly, tax included.
One WhatsApp message with your figure attached. Free, no obligation. Replies usually arrive within a few hours.
Formal quotation and declaration, then FPX, card or e-wallet. Certificate emailed, usually within a day.
Yes. The Malaysian Medical Council and Malaysian Dental Council require evidence of professional indemnity, not a conventional insurer specifically. The certificate issued under a takaful arrangement serves the same purpose at renewal.
Syarikat Takaful Malaysia Berhad, Malaysia's first takaful operator, established in 1984 and regulated by Bank Negara Malaysia. The certificate of indemnity is issued in their name. This site prepares your estimate and manages the application.
You can, and the base price would be the same published table. What medmal.my adds sits around it: a licensed advisor checks the fit against your actual practice, handles the application end to end, and is the person you message when a claim or inquiry letter arrives. That part has no extra cost. The contribution is identical either way.
It is the date from which incidents are covered, regardless of when the claim arrives. Because medical claims often surface years after treatment, a retroactive date reaching back to when you started practising is worth more than a slightly cheaper contribution. Continuous cover protects it. A gap resets it.
Not always, and sometimes the honest answer is keep what you have. Renewal is the clean moment to compare, so the retroactive date carries across. Send your current certificate and the retroactive date, limit and exclusions get checked before anything is recommended, including the option of staying put.
Usually yes. Individual indemnity follows the practitioner and satisfies your personal MMC or MDC obligation. A clinic malpractice certificate covers the entity, the legal person named alongside you when a claim is filed. Most private practice owners hold both.
Checking first is the smart move. Send your estimate across and a licensed advisor takes it from there, free and with no obligation.