The Covid-19 Test Fund helps even healthcare front liners

The Covid-19 Test Fund, or CTF, will subsidise the costs of the test for policyholders who are most at risk for Covid-19, enabling more Malaysians to undergo the test, including healthcare front liners.

Q: What is the Covid-19 Test Fund (CTF)?

A: The RM8mil CTF was set up by the insurance and Takaful industry to support the Health Ministry’s (MOH) efforts to carryout more Covid-19 testing.

The fund will provide a fixed cash reimbursement of up to RM300 for Covid-19 testing for individuals covered under individual or group Medical and Health Insurance policies or Takaful certificates.

Q: Which policy holders are eligible for the RM300 under the CTF?

A: Policies and products include those defined in Bank Negara’s guidelines on Medical and Health Insurance or Takaful.

This includes medical expenses plans, hospital and surgical plans, hospital income plans, and critical illness or dreaded disease plans, and other insurance or Takaful plans offering similar benefits.

Only plans with policy or certificate term of more than or equal to 12 months are eligible for CTF regardless of mode of premium or contribution payment.

The CTF is extended to Malaysians and non- Malaysians residing in Malaysia. The CTF is not extended to the Foreign Worker Hospitalisation and Surgical Scheme.

Q: Who is eligible to claim from the CTF?

A: The CTF is only applicable for insurance policyholders or Takaful certificate holders with group* or individual Medical and Health-related insurance policies and Takaful certificates, who have been referred by registered doctors for Covid-19 testing at recognised private labs as listed on the MOH Covid-19 website.

An individual’s insurance policy or Takaful certificate must be in force as of March 27,2020 and at the time the Covid-19 test is conducted.

* Group refers to employees only, excluding dependants.

For third party policy or certificate, only life assured, insured person, or covered person is eligible for the CTF.

Q: Who can be tested for Covid-19 under this CTF?

A: Individuals can request for the Covid-19 test under the CTF if they have seen a doctor registered with the Malaysian Medical Council; have been referred to do the test; and fulfil one of the conditions below:

a. have acute respiratory infection (sudden onset of respiratory infection with at least one of: shortness of breath, cough or sore throat) with or without fever; or

b. are deemed as persons under investigation (PUI) as defined by the MOH; or

c. Have travelled to or resided in a foreign country in the last 14 days; or

d. Have been in close contact in the last 14 days with a confirmed case of Covid-19; or

e. Have attended an event associated with known Covid-19 outbreak.

Close contacts are defined as:

> Healthcare associated exposure without appropriate Personal Protective Equipment (including providing direct care for Covid-19 patients; working with healthcare workers infected with Covid-19, visiting patients; or staying in the same closed environment of a Covid-19 patient).

> Working together in close proximity or sharing the same classroom environment with a Covid-19 patient.

> Traveling together with a Covid-19 patient.

> Living in the same household as a Covid-19 patient.

For all the conditions listed from a to e, a doctor’s referral is required.

The CTF however does not cover drive-thru tests offered by some private hospitals and laboratories.

Q: How does an individual claim for the Covid-19 test, and what is the maximum amount that can be claimed?

A: An individual can apply for the reimbursement of RM300 (or the actual cost of the test, whichever is lower) through the CTF portal at

Q: What documents are needed to apply for this claim?

A: Individuals are required to upload the following documents:

a. Claims Form

b. Front and Back copy of MyKad or passport

c. Receipt (of the test)

Q: When can one apply for reimbursement?

A: The CTF will cover screening of Covid-19 for emergency and semi-emergency surgeries conducted from March 27,2020 until June 30,2020.

The cut-off period might be earlier than June 30,2020 if the CTF has been fully utilised.

Q: Am I entitled to claim from the CTF if I am advised to go for a surgery?

A: The CTF will cover Covid-19 test done during emergency and semi-emergency surgeries.

The definition for eligible cases will be based on the Emergency Severity Index which states that:> Emergency means a situation where a patient requires immediate as well as life- saving intervention.

> Semi-emergency or urgent means a high-risk patient whose condition could easily deteriorate or who presents with symptoms of a condition requiring time-sensitive treatment.

Q: Am I entitled to claim for the CTF if I am advised to be hospitalised but my condition does not require a surgery?

A: You are not entitled to claim from the CTF if your hospitalisation does not require you to undergo an emergency or semi-emergency surgery. You are also not entitled to claim from the CTF if you are undergoing an elective surgery.

Q: If I have a medical card, will the cost of the Covid-19 test be covered by way of Letter of Guarantee?

A: No. You have to pay for the Covid-19 test and seek reimbursement later. The cost will not be covered by way of Letter of Guarantee.Further information can be found at or through calling the hotline number at 15500 or 1-300-22-11-88.

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