Etiqa Family Takaful Berhad introduced its latest takaful offering, e-Takaful Hayat, which has been accessible via the PERKESO’s SEHATi app since 17^th August 2024.This offering will be accessible to the 9 million PERKESO’s contributors, who will have early access to the plan. The initiative showcases an innovative digital partnership between Bumi Healthtech (the tech solution provider for SEHATi), AQM Technologies (a Malaysia-based insurtech partner), PERKESO, and Etiqa Family Takaful Berhad, aimed at expanding takaful coverage through digital channels.

According to Zafri Ab Halim, CEO of Etiqa Family Takaful Berhad said “At Etiqa, we are honoured to offer the e-Takaful Hayat plan to PERKESO’s members. By providing essential takaful coverage to millions of PERKESO contributors, we are delivering peace of mind and financial security to Malaysians, hence fulfilling our corporate vision which is to ‘Make the World a Better Place’. Takaful coverage is vital in ensuring that families are protected during difficult times, and by offering this exclusive plan, we are adding significant value to the welfare of PERKESO contributors while rewarding their positive health behaviours.”

Revolutionise Health Management with SEHATi 
The SEHATi app is now accessible to all PERKESO contributors where they can access free health screenings and purchase premium health screenings easily. The app allows contributors to choose their preferred time slot and nearest clinic from over 3,500 panel clinics nationwide. The app is also renowned for the ability to assign a SEHATi health score to each contributor who has completed his/her screening.

The proprietary development of a health score algorithm using only blood test results and anthropometric measurements, aims to assist with better health management. The health score ranges from 0 to 100, with 100 referring to the lowest possible risk of developing a chronic disease in the future. Using individual’s health screening results, the assigned health score provides an actionable and objective assessment of health status, and helps users make informed decision-making and proactive health management.
 
Incentivising Healthy PERKESO Contributors
The introduction of e-Takaful Hayat, underwritten by Etiqa Family Takaful Berhad, provides a unique opportunity for PERKESO contributors. Those with above-average health scores can access the takaful protection plan at a 10% reduced contribution rate. This approach rewards PERKESO contributors who maintain good health with more competitive rates, encouraging positive health behaviors. The innovative offering is the result of a collaboration between Bumi Healthtech and AQM Technologies.

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