MedMal Check my price
Medical indemnity takaful · Malaysia

Your indemnity price, before anyone asks your name.

Indemnity in your own name stays with you as you move between clinics and locum work. Search your specialty, choose a limit, and your price appears in about ten seconds. No form, no email, no callback. Recognised for APC and TPC renewal, so one requirement can be off your mind this week.

Check my price → What it covers
Syarikat Takaful Malaysia Underwritten by Syarikat Takaful Malaysia Berhad · est. 1984
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The certificate of indemnity is issued in the operator's name and the rates come from the published agency table, January 2025, with 8% SST and RM10 stamp duty shown upfront.
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Dr Aina, 31GP · private clinic, Shah Alam · RM1m limit
RM1,015.48per year
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Dr Melissa, 38General dentist · private practice, Penang · RM1m limit
RM854.60per year
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Farah, 27Staff nurse · Kuala Lumpur · RM1m limit
RM550.00per year
Real numbers

Three colleagues, three prices.

Hospital cover protects the hospital, the entity. A claim or inquiry names the practitioner. Only your own certificate follows you from clinic to clinic, locum to locum. The card shows three numbers. Yours is the fourth.

Illustrative profiles with fictitious names. The prices are real. Underwriting may still adjust for prior claims or disclosed circumstances.
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Doctor in consultation with a patient
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What the certificate does

One certificate. Eight protections.

From the consultation room to the inquiry room, and on into retirement.

In practice

While you work

The cover that responds while you are seeing patients, wherever that happens to be.

  • Medical incident cover: compensation and legal costs from an adverse incident
  • Vicarious liability for staff and locums under your supervision
  • Good Samaritan acts outside your normal place of practice
Price this cover →
At the inquiry

When a letter arrives

A claim or inquiry names the practitioner. This is the part that answers it.

  • Legal representation before the MMC, MDC or any disciplinary inquiry
  • Defamation cover for statements made in the course of practice
  • Loss of documents: restoring patient records lost or destroyed
Price this cover →
Across your career

Before and after

Claims surface years after treatment. This is the cover that reaches across time.

  • Retroactive cover for incidents before your start date, unknown to you
  • Run-off cover for claims that surface after you retire or close
  • An unbroken retroactive date, protected at every renewal
Price this cover →

Indicative summaries only. The certificate wording, schedule and endorsements issued by the operator govern in all cases.

How it works

Three steps. That is the whole flow.

01

Check your price

Search your specialty, pick a limit. The contribution appears instantly, tax included.

02

Send it over

One WhatsApp message with your figure attached. Free, no obligation. Our advisors reply, usually within a few hours.

03

Pay and get covered

Formal quotation and declaration, then FPX, card or e-wallet. Certificate emailed, usually within a day.

Step one takes about ten seconds and asks for a specialty, not a name. Start there.

"The right certificate is the one that fits your practice. Sometimes the honest answer is keep what you already have."

The principle every recommendation follows
Questions

What careful practitioners ask.

Is takaful indemnity accepted for my APC or TPC?

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.

Who underwrites the certificate?

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.

Can't I just go to the operator directly?

You can, and the base price would be the same published table. What medmal.my adds sits around it: our licensed advisors check the fit against your actual practice, handle the application end to end, and remain your point of contact when a claim or inquiry letter arrives. That part has no extra cost. The contribution is identical either way.

What is a retroactive date and why does it matter?

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.

I already hold cover elsewhere. Should I switch?

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.

Does my clinic entity need its own cover?

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.

Who is this not for?

Three groups. Practitioners outside Malaysia, since the rate table, the operator and the councils the certificate serves are all Malaysian. A clinic or hospital as an entity, since individual indemnity follows the practitioner and the entity needs its own malpractice certificate. And anyone whose current certificate already fits their practice, since keep what you have is a recommendation this site is prepared to make.

Dentist consulting with a patient
Image slot · assets/img/scene-dental.jpg Prompt 7 in the pack · wide dental scene, 1536×1024

The contribution buys a year. Continuous cover protects a career.

Medical claims often surface years after treatment, so what you renew each year is an unbroken retroactive date. Check your price, send it across, and our licensed advisors take it from there, free and with no obligation. If keeping what you already have is the right answer, that is the answer you will get.

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