Interim Measures: Insurance and Takaful Industry Extends MHIT Policy/Certificate Reinstatement to 31 August 2025
Kuala Lumpur, 24 June 2025 – The Life Insurance Association of Malaysia (LIAM), Malaysian Takaful Association (MTA) and Persatuan Insurans Am Malaysia (PIAM) announced today that all insurers and takaful operators have collectively agreed to extend the deadline for the reinstatement of Medical & Health Insurance/Takaful (MHIT) policies/ certificates without imposing a waiting period, from 30 June to 31 August 2025. No new medical examinations or health declarations are required, easing the process for policy/certificate holders to resume their medical protection coverage.
This initiative aims to provide affected policy/certificate holders with additional time and flexibility to reinstate their coverage and reflects the industry's ongoing commitment to provide long-term protection for Malaysians, particularly by assisting policy/certificate holders who may have surrendered or lapsed their medical policies/ certificates due to premium/contribution adjustments under the MHIT repricing exercise in 2024.
Under the special reinstatement arrangement announced in December 2024, policy/certificate holders who have surrendered or whose MHIT policies/certificates have lapsed in 2024 due to the repricing are eligible to reinstate their original policies/certificates without additional underwriting requirements.
With the extension, policy/certificate holders now have until 31 August 2025 to request reinstatement. This extension ensures that those who may have missed the earlier deadline are not left behind – especially those in rural or digitally underserved areas giving all policyholders the equal chance to restore their coverage.
The reinstatement option underscores the industry’s proactive and compassionate approach in maintaining long-term protection for Malaysians. MHIT continues to serve as a vital safety net for individuals and families, and this measure helps preserve continuous coverage amidst economic uncertainties.
Policy/certificate holders are encouraged to contact their respective insurers or takaful operators for further assistance and to initiate the reinstatement process before 31 August 2025. For more information, please contact:
Life Insurance Association of Malaysia
Persatuan Insurans Am Malaysia
Issued by LIAM, MTA and PIAM
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