MEDEFEND is a holistic indemnity Scheme which covers individual medical practitioners from all specialties against actual or alleged claims of negligence in Malaysia.
The Scheme is tailor-made to meet the long term and evolving needs of medical practitioners with access to some of the best medico-legal advisors available. A dedicated team manages the Scheme to ensure that all claims and notifications are handled competently and professionally.
MARSH has 15 years experience in managing professional indemnity schemes in Malaysia, who constantly strives to protect the interest and the welfare of our clients.


Benefits of MEDEFEND

Loss and defense expenses for medical negligence claims
Cover for aggravated damages and notice of contribution and indemnity (NCI)
Full retroactive cover (insured from the first day of your practice)
Free run off cover for Retired, Disabled, and the Estate of Deceased Doctors
Extension for loss of medical records and breach of personal data
Risk management resources which include seminars, workshops, and bulletins
Covers public relations and counselling costs
Legal representation costs in the event of a disciplinary enquiry
Worldwide cover (excluding Iran and sanctioned countries) for Good Samaritan acts (including inflight emergency medical treatment), volunteer works and training

Subject to policy terms and conditions.

Our Trusted Insurer/Takaful Operator

Pacific & Orient Insurance Co. Berhad

Pacific & Orient Insurance Co. Berhad (P&O), a subsidiary of Pacific & Orient Berhad, was founded in 1972 with its headquarters in Kuala Lumpur, Malaysia. P&O has since grown to become one of the country's biggest and most established insurers in Malaysia. Today, it operates a network of about 1,700 agents throughout the Peninsula with the support of over 400 personnel from its various branch offices.
For more information about the company, please visit

Etiqa General Takaful Berhad

Etiqa represents Maybank Group's Insurance and Takaful businesses, offering a full range of Life and General conventional insurance policies as well as Family and General Takaful plans across multiple distribution channels of over 8,100 agents, 46 branches and 17 offices, and over 490 bancassurance network (via Maybank branches and thirdparty banks, cooperatives and brokers) through our presence in Malaysia, Singapore, the Philippines and Indonesia. Etiqa is one of the pioneers for online direct sales through, and the Group's Maybank2u online platform. It is the No. 1 digital insurance player in Malaysia with total premium/contribution of more than RM100 million.
Etiqa International Holdings Sdn Bhd, wholly-owned by Maybank, is the holding company of Etiqa. In Malaysia, Etiqa operates as four different entities comprising Etiqa Life Insurance Berhad, Etiqa General Insurance Berhad, Etiqa Family Takaful Berhad, and Etiqa General Takaful Berhad. Etiqa also has presence in Singapore (via Etiqa Insurance Ptd Ltd), the Philippines (via AsianLife and General Assurance Corporation) and Indonesia (via PT Asuransi Asoka Mas).
Etiqa General Takaful Berhad (the Company), which was incorporated on 18 July 2017 and domiciled in Malaysia, is engaged in the management of general takaful business. The Company was granted the license by Bank Negara Malaysia on 1 January 2018. The immediate and ultimate holding companies of the Company are Maybank Ageas Holdings Berhad (MAHB) and Malayan Banking Berhad (MBB) respectively.
How to Apply

For new applicants, please follow the instructions under How to Apply. To renew your policy, please follow the instructions under How to Renew.

How to Apply
How to Renew

Step 1
Go to and click 'Sign Up'.

Step 2
Register using a valid email address and fill in the details needed.

Step 3
An OKTA activation link will be sent to your email. Click it and follow the instructions.

Step 4
Select either MEDEFEND or MEDEFEND Takaful, fill in information, submit Proposal Form and make payment.
Notes: Doctors with claims history will be issued quotation separately upon Insurer's/Takaful Operator's review.

Step 5
Receive your MEDEFEND Policy/Certificate within 3* working days.

Step 1
Go to

Step 2
Login using your email address and password.

Step 3
Select SMS or Email authentication (If you have not completed your OKTA activation, please contact us at 03-2723 3226 for assistance).

Step 4
Click ‘Renew your policy now’.


The Medical (Amendment) Act 2012 and Medical Regulations 2017 stipulate that all doctors must have indemnity insurance before they can renew their Annual Practising Certificates (APC). The said amendment came into effect on 1st January 2020. As such, all doctors renewing their APC have to provide evidence of professional indemnity cover for the approved period in the APC.

Our MEDEFEND Scheme provides period of indemnity for minimum of 6 months to a maximum of 18 months (on a pro-rata basis).


a) All renewals/applications AFTER 1 January: Indemnity period will end on 31 December of the same year ; and

b) All applications AFTER 1 July: Indemnity period will end on 31 December the coming year.