Last updated : 02 Nov 2022    

age 50

 

i-Lindung is a self-service platform through i-Akaun (Member) which can be used to purchase protection products under the Member Protection Plan (MPP). Members are allowed to purchase insurance / takaful products from Insurance & Takaful Operators (ITOs) that have been approved by the EPF. This is to provide protection coverage options to members during challenging periods or unfortunate events.

Who Can Apply

Requirements

Requirements

Malaysians

Requirements

i-Akaun (Member) user

Requirements

Have a balance in EPF account

Types of Protection Offered

Requirements

Life protection

Requirements

Critical illness protection

Key Features of i-Lindung

 
Employer

Seamless journey

The simplest way to purchase protection products with no medical check-up required

Employer

Quick quotation

Get a quotation online for all products offered

Employer

Information centre

Able to access and analyse valuable information on the products offered before deciding to purchase

Employer

Single view

Able to view all details of the policies or certificates purchased

Employer

Anytime, anywhere

Flexibility to purchase protection products at any time

 

Frequently Asked Questions

General Questions

 

Products Question

 

Policy Question

  • What are the stages of completing a transaction through i-Lindung?
    1. Step 1

      Log in to i-Akaun (Member)

    2. Step 2

      Click on i-Lindung tab

    3. Step 3

      select a product offered by ITO

    4. Step 4

      complete details at ITO portal

    5. Step 5

      authorize deduction from EPF Account

    6. Step 6

      receive acknowledgement slip from ITO

  • When will my policy/certificate coverage start?

    The coverage will start on the day your policy/certificate has been issued by the ITO.

    Your policy/certificate documents will be sent via email by the ITO and will also be available in the My Protection Plan section under i-Lindung. You may get the policy/certificate by ‘e-Policy’ function at My Protection Plan.

  • When will the payment be made to ITO?

    Upon successful application, payment to the ITO will not be immediate and may take a few days. Nevertheless, your policy/certificate status will remain inforce unless the payment is rejected. In the event that the payment is rejected, the policy/certificate purchased will be cancelled by the ITO.

    You are advised to monitor your application payment status at the Transaction History section in i-Lindung to ensure there are no complications for your policy/certificate status.

  • Can i-Lindung products cover the expense of hospitalisation or provide a medical card for outpatient treatment?

    The products offered under i-Lindung are pure protection and do not provide any savings element or involve any residual cash value. If the policy/certificate has expired and no claim has been made, there will not be any return of the premium paid.

    Therefore, products that include the cost of hospitalisation, medical card or investment-linked are not offered under i-Lindung.

  • What is the age eligibility of the protection products offered by ITOs under i-Lindung?

    Age eligibility of the protection products offered under i-Lindung differs between ITOs. Therefore, EPF members are advised to contact the relevant ITOs.

 

Other Services

  • Can I cancel the policy/certificate after purchasing?

    You may cancel your policy/certificate at any time through the respective ITO. If you cancel your policy/certificate within the first 15 days (cooling-off period) after the coverage begins, the ITO will refund the premium/contribution paid. However, if you cancel after 15 days, the ITO will refund the unutilised portion, if any, as per the calculation set by the ITO.

    Once a cancellation is made, you will no longer have the benefit of protection. You are advised to carefully consider if cancelling coverage is the best decision for you.

    For further information, you may contact the ITO customer service or refer to your policy/certificate documents. Alternatively, you may also refer to the My Protection Plan section under i-Lindung.

  • Upon cancellation of my policy/certificate, will the refund be credited to my EPF Account?

    Yes, the refund will be credited to your EPF Account if the payment is made before you reach the age of 55 years. Otherwise, it will be credited to your bank account if your age exceeds 55 years old, according to the bank account details you provided to the ITO. The refund will also be credited to your bank account if your EPF Account is inactive.

  • How long will it take for the refund to be reflected in my EPF Account 2?

    It will take seven (7) business days from the day the ITO finalises your policy/certificate cancellation process and informs the EPF. The turnaround time in the policy/certificate cancellation process varies between ITOs. For further information, you may contact the respective ITOs customer service.

  • Can I do Hibah for my policy/certificate purchased through i-Lindung?

    Hibah, also known as gift (voluntarily) without consideration, is only applicable to nomination under takaful products. By naming your loved ones as beneficiaries under conditional Hibah, the benefits will be paid by the Takaful Operators without having to go through lengthy inheritance procedures or Faraid.

  • What is the process of making a claim for my policy/certificate purchased via i-Lindung?

    You may make a claim through the respective ITOs. For further information, you may contact the respective ITOs customer service or refer to your policy/certificate documents.

    Alternatively, you may also refer to the My Protection Plan section under i-Lindung.

  • What will I receive if no claim is made throughout the coverage term of my policy/ certificate?

    The products offered under i-Lindung do not provide maturity benefits.

    The products offered at i-Lindung are pure protection and have no cash value. For Critical Illness or Life cover for example, if during the policy period the insured member suffers from a critical illness or dies, the ITO will pay the sum insured (life cover amount or critical illness cover) to the nominee as stated in the policy document.

    However, if the insured survives the policy period, there will be no payout. The ITO will not pay any interest to the insured person.

 

Get access to products under i-Lindung

 

 

 

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