The Life Insurance Association of Malaysia (LIAM), Persatuan Insurans Am Malaysia (PIAM) and the Malaysian Takaful Association (MTA) have issued a joint press statement on the finalised details of the COVID-19 Test Fund (CTF). The RM8 million CTF has been pledged by the insurance and takaful industry in support of the Ministry of Health’s (MOH) efforts to conduct more COVID-19 tests for Malaysians.
Insurance policyholders and takaful certificate holders of group/individual medical and health insurance policies and takaful certificates who have been referred by registered doctors to undergo COVID-19 tests are eligible to claim from the CTF. This is available for tests done at recognised private laboratories listed on the MOH website with effect from 27 March 2020.
On 11 April 2020, LIAM, PIAM & MTA have broadened the reimbursement eligibility to encourage more insurance policyholders/ takaful certificate holders to undergo COVID-19 tests. Click here to read the press statement.
Under the revised eligibility, all the policyholders/certificate holders can claim from the CTF if they:
In addressing the needs of policyholders/certificate holders to protect the healthcare front liners from the risk of COVID-19 infection, LIAM, PIAM & MTA have expanded the eligibility criteria on 13 May 2020 to include tests required for hospital admission for emergency and semi emergency surgeries. The eligibility will be based on the following:
Click here to read the press statement.
*Update 4 February 2021
Effective 23 December 2020, the insurance and takaful industry has taken a proactive step by broadening the eligibility criteria of the COVID-19 Test Fund (CTF) to include all asymptomatic individuals under an individual/group medical and health insurance/takaful policy/certificate (MHIT) policy. Asymptomatic patients refer to individuals who may have been infected by the virus but do not have any symptoms of cough, sore throat, flu etc.
The CTF reimbursement is limited to one test per policy/certificate holder only and the reimbursement period is valid until 30 June 2021 or earlier, if the fund is fully utilised.
The policyholder is entitled to claim as follows:
|
Category |
CTF Reimbursement Rate (RM) |
||
|
A |
Persons Under Investigation (PUI) |
Up to RM300 per test for Reverse Transcriptase –Polymerase Chain Reaction (RT-PCR) |
|
|
B |
Emergency/Semi-Emergency Surgery |
Up to RM300 per test for RT-PCR |
|
|
C |
Asymptomatic Individuals |
|
|
|
|
i. All individual MHIT policy/certificate holders |
Up to RM100 per test for RT-PCR |
Up to RM50 per test for Rapid Test Antigen (RTK-Ag) |
|
|
ii. All Group MHIT policy/certificate holders (limit to 50 employees per policy) |
Up to RM50 per test for RT-PCR |
Up to RM50 per test for Rapid Test Antigen (RTK-Ag) |
|
D |
Hospital Admissions (for Non-Emergency/Non Semi Emergency Surgery) |
Up to RM100 per test for RT-PCR |
Up to RM50 per test for Rapid Test Antigen (RTK-Ag) |
Click here to read the press statement.
Policyholders may submit their Claim Forms with supporting documents for reimbursement online via the portal. For further information on the CTF, kindly visit www.MyCTF.my or call MyCTF Hotline number at 15500 / 1-300-22-11-88.
If you have the following medical and health insurance plans from MSIG, you can claim from the CTF subject to fulfilling the eligibility criteria of the CTF.
| No. | MSIG Generic Products | ^MSIG Bancassurance Products |
| 1 | BodyGuard Junior | C. Illness Plus |
| 2 | Edumedicare | Critical Care Secure |
| 3 | Flexihealth | Healthcare International |
| 4 | Gluco SafeGuard | Healthcare – Lifesaver |
| 5 | *Group Hospital & Surgical | Hospital Income Plan |
| 6 | *Healthcare International Insurance | Hospitalsurance |
| 7 | Healthcare Plus | MyLady Assist |
| 8 | Healthnet Insurance | Loan Repayment Assist |
| 9 | Hospital & Surgical Insurance | Young HIP |
| 10 | Ladies Lifestyle Protection | |
| 11 | Lifestyle Protection |
*For employees only, excluding dependants and for third party policy/certificate, only insured person/covered person is covered.
^ Only plans with policy/certificate term more than or equal to 12 months are eligible for CTF regardless of mode of premium payment.
To avoid disappointment, please ensure you have the following documents before uploading to www.MyCTF.my.
Document Checklist
Doctor’s referral letter / Medical Advisory Note for home testing services to indicate requirement for COVID-19 test, OR
the Order for Supervision and Observation at Home Form
MyKAD (2 sides; front and back) for Malaysians or passport for non Malaysians
Original receipt for the Covid-19 test
Laboratory Report
For more details, please read the following Frequently Asked Questions (FAQ) on COVID-19 Test Fund (CTF) by clicking here.
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