The Perlindungan Tenang Voucher 3.0 Programme is a strategic initiative by the Government of Malaysia to strengthen social protection for lower-income segments of the population. Commencing on 1st September 2025, a RM30 voucher will be allocated to 2 million eligible Sumbangan Tunai Rahmah (STR) recipients. This voucher may be utilised to purchase a new or renew a microinsurance or microtakaful product under Perlindungan Tenang framework offered by participating Insurers/ takaful operators.
Perlindungan Tenang products are designed to provide accessible and affordable financial protection, particularly for underserved and vulnerable communities.
Get your Perlindungan Tenang products now!

Product Perlindungan Tenang PTV 3.0:

FREQUENTLY ASK QUESTIONS (FAQ) PERLINDUNGAN TENANG VOUCHER 3.0 PROGRAMME

  • The Perlindungan Tenang Voucher 3.0 Programme is a strategic initiative by the Government of Malaysia to strengthen social protection for lower-income segments of the population.

  • Commencing on 1st September 2025, a RM30 voucher will be allocated to 2 million eligible Sumbangan Tunai Rahmah (STR) recipients.

  • This voucher may be utilised to purchase a new or renew a microinsurance or microtakaful product under Perlindungan Tenang framework offered by participating Insurers/ takaful operators.

  • Perlindungan Tenang products are designed to provide accessible and affordable financial protection, particularly for underserved and vulnerable communities.

  • For further details on available plans and participating insurers/takaful operators, please visit https://www.mycoverage.my/en/perlindungan_tenang3.0/.

  • The voucher will be allocated to 2 million eligible STR recipients on a first come first served basis.

  • To check your eligibility, please follow the steps below:

  • Step 1: Go to www.myptv.my

  • Step 2: Key in your National Registration Identity Card (NRIC) number and tick (/) "YES, I HAVE READ AND UNDERSTOOD THE PRIVACY NOTICE" and "I'm not a robot."

  • Step 3: If you are eligible for the programme, the PTV system will generate a voucher number. Please use the voucher number when you want to redeem the RM30 voucher at point of purchase.

  • Alternatively, you may also walk into any branch or authorised agents/distributors of the participating insurers/takaful operators offering Perlindungan Tenang products under the PTV 3.0 Programme to check your eligibility.

  • There are two methods to redeem the voucher when purchasing your product:

  • Method 1 - Redeem the voucher and purchase online:

    Step 1: Visit www.mycoverage.my

    Step 2: Scroll down to the "Perlindungan Tenang Products under PTV 3.0 Programme" section. Click on each participating Perlindungan Tenang products insurers/takaful operators’ icon to understand the products' basic features and benefits. Please check the respective product criteria such as age limit and premium/contribution amount before deciding on the product that best meets your needs.

    Step 3:Click "FIND OUT MORE" You will be directed to the respective participating insurers’/takaful operators' Perlindungan Tenang webpage.

    Step 4:You will be guided through the simple process to purchase the Perlindungan Tenang product. You will need to fill in the information required such as name, National Registration Identity Card (NRIC) number, age, gender, and other required information to complete the purchase process. You will also need to key in your unique Perlindungan Tenang Voucher number to redeem the voucher during the product purchase. You are advised to read the terms and conditions of the product before making your purchase.

  • Method 2 - Redeem and purchase at the counter via Walk-In:

    • You can also redeem the voucher and purchase the Perlindungan Tenang product directly at the branch office counters or authorised agents/distributors of the participating insurers/takaful operators.
    • Understand the product's basic features and benefits, including checking the respective product criteria such as age limit and premium/contribution amount before deciding on the product that best meets your needs.
    • If you choose to proceed with purchasing the product, you must provide the necessary information to complete the purchase process.

Please note that this process may differ from company to company. You are advised to consult the respective company's customer service representative for further details.

  • The PTV 3.0 Programme will be effective from 1 September 2025 until the voucher is fully redeemed or 31 December 2025, whichever is earlier.

  • Yes, you are eligible to claim the RM30 PTV in 2025, even if you previously claimed the RM50 PTV in 2021 and RM75 PTV in 2022, provided you are a STR recipient in 2025.

Infographic

UNDERSTANDING

Life Insurance / Takaful Plans

Help protect you and your loved ones by understanding the types of Life Insurance ad Takaful. Choose the best plan according to your needs.

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Life Insurance


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Family Takaful


 

CALCULATOR


3 Easy Steps

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Select your coverage

Choose the type of Life Insurance/Takaful based on your needs.

life insurance

Insert details

Fill in your income, expenses, savings, and current coverage.

life insurance

Calculate

We will give you an indication of your ideal coverage and protection gap.

 

CALCULATOR


3 Easy Steps

life insurance

Select your coverage

Choose the type of Life Insurance/Takaful based on your needs.

life insurance

Insert details

Fill in your income, expenses, savings, and current coverage.

life insurance

Calculate

We will give you an indication of your ideal coverage and protection gap.

Helpful Resources

CahayaKu

Dist. Channel/ Where to Buy
Touch 'n Go eWallet
Entry Age
18 - 75 years old
Sum Covered
(1)Death due to Accident : RM50,000
(2)Daily Cash Allowance upon Hospitalisation due to Accident : RM100 per day (up to 30 days)
(3)Weekly Cash Allowance upon Temporary Disablement due to Accident : RM100 per week (up to 26 weeks)
Type of coverage
Death, hospitalisation and temporary disablement due to accidental means
Premium/ Contribution for lowest Plan
RM 50 per year
Customer service contacts (email and phone number)
WhatsApp at 019 629 9660
my.aiaonline@aia.com
Company official website address
www.aia.com.my
Read More

PerlindunganKu Allianz4All

Dist. Channel/ Where to Buy
Agents
Entry Age
Eighteen (18) years up to fifty-nine (59) years old.
Sum Covered
Up to RM50,000
Type of coverage
Accidental Death or Permanent Disablement;
Hospital Income at Government Hospital due to Accident or Illness;
Medical Expense Reimbursement at Government Hospital due to Accident or Illness;
Emergency Relief (in the event of flood evacuation)
Premium/ Contribution for lowest Plan
RM50/year (excl. SST)
Customer service contacts (email and phone number)
1300-22-5542
customer.service@allianz.com.my
Company official website address
www.allianz.com.my
Read More

Mini PA Insurance

Dist. Channel/ Where to Buy
Internet/Perlindungan Tenang Partner
Entry Age
16 - 100 years old
Sum Covered
RM75,000.00
Type of coverage
Accidental Death;
Accidental TPD Coverage;
Bereavement Allowance
Premium/ Contribution for lowest Plan
Plan E - RM 75/year
Customer service contacts (email and phone number)
1-800-88-6744
MyMSIG@my.msig-asia.com
Company official website address
www.msig.com.my
Read More

Tokio Marine TenangCare

Dist. Channel/ Where to Buy
All Channels
Entry Age
18 to 70 years old
Sum Covered
RM 50,000 /person
Type of coverage
a) Accidental Death / Permanent Disablement: RM 50,000
b) Bereavement Allowance (death due to dengue): RM 50,000
c) Hospitalization Cash Allowance: RM100 per day, up to 50 days
d) Dengue Fever Allowance: RM 1,000
Premium/ Contribution for lowest Plan
RM 50 per year
Customer service contacts (email and phone number)
toll free line : 1800-88-0812
letusknow@tokiomarine.com.my
Company official website address
Tokiomarine.com
Read More

BSN Takaful Sakinah Plus

Dist. Channel/ Where to Buy
BSN branches (over the counter) and self-enrolment via BSN website
*Note: Participation in BSN Takaful Sakinah Plus using a Perlindungan Tenang Voucher (PTV) can only be done through BSN branches (over the counter).
Entry Age
19 – 60 years old
(Age Next Birthday)
Sum Covered

*PTV recipients are eligible to participate in BSN Takaful Sakinah Plus - Plan 1 or Plan 2 only.
Type of coverage
Family Takaful
Premium/ Contribution for lowest Plan
Plan 1 Plan 2 Plan 3 Plan 4
RM65 RM95 RM130 RM190
*Note: After utilising PTV, the remaining contribution will be deducted from BSN Savings Account.

Example:
Payment of contribution for Plan 1 (RM65) = PTV of RM30 + RM35 deduction from BSN Savings Account
Customer service contacts (email and phone number)
+603 2775 7188
customer@prubsn.com.my
Company official website address
www.prubsn.com.my
Read More

A-Z Protect

Dist. Channel/ Where to Buy
Non-Agency via microsite online enrolment
Entry Age
18 – 60 years old
Sum Covered
Type of coverage
Refer to [Sum Covered] Table above
Premium/ Contribution for lowest Plan
RM 80 per annum
Customer service contacts (email and phone number)
1300-22-5542
customer.service@allianz.com.my
Company official website address
www.allianz.com.my
Read More

MikroSayang

Dist. Channel/ Where to Buy
Direct (Online)
Entry Age
19 (age next birthday)
Sum Covered
Hospitalisation Benefit = RM50 per day up 14days
Death Benefit = RM5000
Accidental Death Benefit = RM5000
Total and Permanent Disability Benefit = RM5000
Critical Illness Benefit = RM5000
Type of coverage
Plan A : Accidental Death Benefit & Hospitalisation Benefit
Plan B : Accidental Death Benefit & Critical Illness
Plan C : Accidental Death ,Hospitalisation Benefit & Critical Illness
Plan A+ : Death/ Total Permanent Disability (TPD) & Hospitalisation Benefit
Plan B+ : Death/ Total Permanent Disability (TPD) & Critilcal Illness
Plan C+ : Death/ Total Permanent Disability (TPD), Hospitalisation Benefit & Critical Illness
1. Hospitalisation Benefit
2. Death Benefit
3. Accidental Death Benefit
4. Total and Permanent Disability Benefit
5. Critical Illness Benefit
Premium/ Contribution for lowest Plan
RM 50
Customer service contacts (email and phone number)
1300-13-8338
mikrosayang@greateasterntakaful.com
Company official website address
www.greateasterntakaful.com
Read More

Qaseh Setia

Dist. Channel/ Where to Buy
BSN Branches Nationwide and BSN Website
Entry Age
18 - 55 years old
Sum Covered
From RM 70 per year with our Plan 70:

Non-Accidental Death Benefit Up tp RM 15,000
Accidental Death Benefit Up to RM 90,000
Total and Permanent Disability (TPD) Benefit Up to RM 15,000
Funeral Expense Up to RM 3,000
Type of coverage
Death, TPD and Bereavement
Premium / Contribution for lowest Plan
RM 70 per year
Customer service contacts ( email and phone number )
1300-22-6262
ask@fwd.com
Company official website address
www.fwd.com.my
Read More

HLM Takaful Tenang & HLM Takaful Tenang 75

Dist. Channel/ Where to Buy
Online via www.hlmtserv.com
Entry Age
18 – 60 years old (age next birthday)
Sum Covered
HLM Takaful Tenang: RM20,000 – RM80,000
HLM Takaful Tenang 75: Depends on the entry age
Type of coverage
Death and Total & Permanent Disability (TPD)
Premium/ Contribution for lowest Plan
HLM Takaful Tenang: RM50
HLM Takaful Tenang 75: RM75
Customer service contacts (email and phone number)
+603 7650 1800
ReachUs@takaful.hongleong.com.my
Company official website address
www.hlmtakaful.com.my
Read More

HLA Stackable (Packaged Plans)

Dist. Channel/ Where to Buy
Online Channel
Entry Age
20 - 60 years old
Sum Covered
Up to RM13,000 Death Benefit
Type of coverage
Death
Accidental Death
Accidental Total Permanent Disability (TPD)
Accidental hospital Income
Premium/ Contribution for lowest Plan
RM50.10 per year
Customer service contacts (email and phone number)
Customer Service Phone Number : 03-7650 1288
Customer Service Email : customerservice@hla.hongleong.com.my
Company official website address
www.hla.com.my
Read More

Protector Guard

Dist. Channel/ Where to Buy
Internet / Touch N Go App
Entry Age
16 - 64 years old
Sum Covered
RM 30,000.00
Type of coverage
Accidental Death;
Accidental Disability;
Accidental Daily Hospital Income
Premium/ Contribution for lowest Plan
RM 52 / 12 Months
Customer service contacts (email and phone number)
03 - 2058 3000
Inquiries.MY@chubb.com
Company official website address
www.chubb.com
Read More

Qaseh Bakti Plus

Dist. Channel/ Where to Buy
BSN Branches Nationwide and BSN Website
Entry Age
18 - 55 years old
Sum Covered
From RM 60 per year with our Plan 1, 2, 3:

Non-Accidental Death Benefit Up to RM 2,500
Accidental Death Benafit Up to RM 5,000
Daily Hospital Cash Benefit Up to RM 200 / day
Type of coverage
Hospitalisation Income Replacement and Death Benefit
Premium / Contribution for lowest Plan
RM 60 per year
Customer service contacts ( email and phone number )
1300-22-6262
ask@fwd.com
Company official website address
www.fwd.com.my
Read More