Medical Malpractice Takaful

THE BEST PROFESSIONAL INDEMNITY TAKAFUL FOR MEDICAL PRACTITIONERS

Professional Indemnity for APC Application

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Medical Malpractice Takaful is recognised by Malaysian Medical Council (MMC) as one of the requirement for application of Annual Practicing Certificate (APC). For year 2021, registration is now open.

Coverage Highlights

Syariah Compliant Indemnity Plan
Comprehensive Coverage
Specialised Underwriter
Efficient Claim Personnel
Experienced Lawyers
Easy Access to Marketing Team

Steps to Apply

Get Quotation

This is to calculate estimated contribution by using this calculator

Fill in Form

Fill in the Application Form here. You will get an official Quotation Slip to your email within 1-3 working days.

Confirm Quotation

After you have received and agree with the Quotation Slip, you are required to reply our email with the instruction to proceed.

Certificate Issuance

Certificate in pdf format will be issued within 14 working days.

Coverage that you will get

Full Retrospective Cover for Participant who currently has similar and uninterrupted cover

Unlimited Run Off Cover with structured additional contribution 

Medical Incident cover for loss resulting from a medical incident by the Participant in the provision of healthcare services 

Legal representation at inquiry cover (up to certain sub-limit) incurred directly or in connection with Partidpant co-operating with an inquiry 

Vicarious liability cover arising from any act, error or omission of any locum doctor covering the duties of the Participant in the provision of professional healthcare services for which the Participant is legally liable

Good Samaritan Acts cover for any loss resulting from a Claim or Inquiry arising from the provision of emergency first aid services 

Defamation cover for any loss resulting from a claim for unintentional defamation by the Participant in the provision of Professional Healthcare Services 

Intellectual Property Infringement cover for any loss resulting from a claim for unintentional infringement of any intellectual property right (other than patent right) by the Participant in the provision of Professional Healthcare Services 

Loss of Documents cover for any loss resulting from a claim for the loss of, damage to or destruction of documents for which the Participant Is legally responsible in the provision of Professional Healthcare 

Emergency Defence Costs and Legal Representation Expenses cover, in the event it is not possible for the Participant to obtain underwriter’s written consent prior to the incurring of defence costs or legal representation expenses 

Advancement of Defence Costs and Legal Representation Expenses cover within 30 days of receipt and approval of an invoice for such defence costs or legal representation expenses 

Cyber and Privacy Infringement cover for any loss resulting from a claim or an Inquiry for any unintentional Cyber and Privacy Infringement by the Participant in the provision of professional healthcare services

Frequently Asked Question

Medical Malpractice Takaful is a scheme to cover individual medical practitioners to defend against allegations of professional negligence, acts, errors or omissions in the course of practising in their professional healthcare services. Also known as medical indemnity insurance.  It is now compulsory for the renewal of APC year 2021 to attach with this type of insurance.

This scheme is provided and covered by Syarikat Takaful Malaysia Berhad.

The contribution for this Takaful may varies individually depending on specialities, limit of liability, claim experience, and other underwriting considerations. 

Click here to check your rates.

Payment made to Syarikat Takaful Malaysia Am Berhad via Online Transfer, or via Credit Card using payment gateway. 

For APC application, you may :

– Updated on 1 July

Apply now. Coverage starts on 1/1/2021 until 31/12/2021

  1. Full 1 year coverage, or
  2. Minimum 6 month coverage, with period end by 31st December each year.

Any coverage less than ONE year, will be prorated and extend to next year.

If there is no claim or alleged claim against you before application, we will confirm acceptance to you within 3 working days of receipt via email  stating the effective date of cover. Please call us if you fail to hear from us within a week of your application.

When we receive your application, we will respond to you within 2 working days as follows:

  1. We will acknowlege the receipt of the application documents.
  2. If your takaful application is acceptable, we will confirm cover on the same day.
  3. The certificate will be issued after your payment has been cleared.

Please contact us if you fail to hear from us within a week of your email or postage.

In the event of a claim or if you are aware of a potential claim, please notify claim manager of Syarikat Takaful Malaysia Am Berhad. 

This will be treated separately. We will need the claim and/or alleged claim details and may propose an offer with certain terms and conditions. 

You may choose one from below;

Option 1 : RM250,000 any one claim and in the aggregate
Option 2 : RM500,000 any one claim and in the aggregate
Option 3 : RM1,000,000 any one claim and in the aggregate
Option 4 : RM1,500,000 any one claim and in the aggregate
Option 5 : RM2,000,000 any one claim and in the aggregate
Option 6 : RM3,000,000 any one claim and in the aggregate
Option 7 : RM5,000,000 any one claim and in the aggregate

Limit of liability differs according to nature of services.

No, having your own takaful coverage does not make you a more likely target for a lawsuit. When something happens and a patient is injured, most lawyers will name everyone who was involved in the patients’ care in the lawsuit—whether you have your own coverage or not.

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