About Us


This website was developed for University of Malaya international students and to serve as a platform for the student to register and purchase the insurance/takaful on-line, anytime, anywhere. The overall services include:


To provide general information pertaining to the current UM insurance plan


To register and purchase the insurance online


provide general information on claim procedures and claim process flows


To check the claim status (reimbursement claim)


Other related matters

Compulsory Medical And Health Insurance

It is compulsory for each student entering Malaysia to study to have medical insurance. All International Students of University of Malaya must be covered by a locally purchased Medical and Health Insurance (‘Medical Insurance’) appointed by the University.

Insurance Coverage Extension

Students are reminded that it is compulsory for them to have a valid medical insurance package throughout the period of study. International students who’s medical and health insurance cover period expires prior to the expiry of their existing student pass are required to top up/extend their insurance. The insurance top up amount should be sufficient to cover them until the expiry of their existing student pass or a maximum of 12 months from the insurance start date, whichever is lower.


The medical expenses will be on reimbursement basis (pay and claim) subject to the policy Terms, Conditions and Exclusions. Please complete/fill up the Hospital Claim Form (where necessary) and submit the relevant documents as required in the “claim checklist” that attached to the claim form.


University of Malaya being the Policyholder will ensure all the international students registered for the new semester after February 2015 are covered under this medical/insurance plan underwritten by Etiqa Takaful Berhad. Etiqa Takaful is an established Takaful Company that provides a shariah compliance insurance package and is backed by the largest local bank, Maybank Group. For more details on Etiqa, please visit Etiqa website at

The overall plan provided is based on the arrangement made between the University, Insurance Provider and its Corporate Agency Company who managed this plan. This is compulsory plan to all the active students registered after February 2015.
This plan will be managed by the Corporate agency of Etiqa Takaful, NZ Network Management Services Sdn Bhd.


The summary of our plan is as follows:

Policy Holder:

University of Malaya

Insured Person:

International student of University of Malaya


Etiqa Family Takaful Berhad

Third Party Administrator:

Mediexpress (M) Sdn Bhd

Plan Type:

Plan 1 (RM440) or Plan 2 (RM550)

Current Annual Policy Period:

14/02/2022 – 13/02/2023 (Annual Renewal)

Detail Scope of Coverage:

Please refer to “OUR INSURANCE/TAKAFUL PLAN” Section

Student’s Registration Period

II) New Student

1 month before the insurance expiry date (if the policy lapsed, 3 main policy exclusions shall re-apply).

I) Existing Student

Within one (1) month from registration date.

As required by UM, all students are advised to register and pay the premium/contribution directly with us within the time frame set above.

Option 1

Via WhatsApp +60 18 967 7956

Option 2

Walk into Etiqa Takaful Agency Office at
Ground Floor, Block E, Perdanasiswa Complex, UM (during office hours: 9.00am – 5.00pm).