Appendix (iii) Current Schedule of Medical Requirements

TAKAFUL
BENEFIT
(RM)
Minimum
up to
50,000
50,001
to
75,000
75,001
to
100,000
100,001
to
150,000
150,001
to
200,000
200,001
to
250,000
250,001
to
300,000
300,001
to
350,000
350,001
to
400,000
400,001
to
499,999
500,000
to
750,000
750,001
to
1,000,000
1,000,001
to
2,000,000
2,000,001
and
above

30 days 15

16 35

36 - 40

ENTRY AGE
41 - 45

46 50

51 - 55

56 - 60

PE / ME,
UFEME, BL

Non-Medical

PE / ME

PE / ME UFEME
(if age 10-15)

PE / ME,
UFEME

PE / ME, UFEME
BL (if age < 50)
ECG (if age < 50)
BTH (if age > 50)
XECG (if age > 50)

Pre-assessment on
financial

and

insurance/Takaful
on parents and
siblings before
proceeding
with medical
requirements.
FME (Pref Dr)
MUR (if age
10 - 15)

ME (Pref Dr)
MUR, APS
BTH
HIV

ME (Pref Dr), UFEME, PMA, BTH, XECG, HIV

For age 36-45 only resting ECG is required when the Takaful Benefit is
less than or equal to RM 1Million

On Pre-assessment basis financially before proceeding with medical

requirements
ME(Pref Dr), UFEME, CXR, XECG, PMA, BTH & HIV

PE
ME
ME (Pref Dr)
UFEME
ECG
XECG
BL
HIV
CXR
BTH
PMA

DESCRIPTION
-Paramedic Examination
- Medical Examination
- Preferred Examination
- Urine Full Examination and Microscopic
Examination
- Electrocardiogram with report
- Exercise ECG (Treadmill test)
- Blood Lipids
- HIV antibody test
- Chest x-ray with report
- Full Blood Profile
- Personal Medical Attendants Report
*Blood Lipids (BL) consist of
- Triglycerides
- Total Cholesterol
- HDL Cholesterol
- LDL Cholesterol

Full Blood Profiles (BTH)

Triglycerides
Total Cholesterol
HDL Cholesterol
LDL Cholesterol
Urea, Uric Acid, Creatinine
Full Blood Count (FBC)
SGOT (Serum Glutamic Oxaloacetic
Transaminase)
SGPT (Serum Glutamic Pyruvate
Transaminase)
GGT (Gamma Glutamic Transaminase)
HBsAg (Hepatitis B Surface Antigen)
To do HBeAg if HBsAg is positive
Bilirubin Alkaline Phosphatase,
Alpha Fetoprotein
*Blood Sugar

* Blood Lipids (BL) and Blood Sugar must be fasting specimen