# Oyen Takaful Kucing: Discontinuation Update (Effective 5 May 2026)

## Oyen Takaful Kucing: an important update for our pet parents

Over the past few years, we have been listening closely to pet parents and watching how our plans are used in real life, especially when it comes to affordability, claims, and how easy a plan is to rely on when a pet needs care.

One thing has become very clear: most pet parents prefer something that feels straightforward, predictable, and easy to understand. Because of this, we have made the decision to focus on our conventional pet insurance plan moving forward.

This article walks through exactly what's changing, when, and what it means for you.

## The key dates at a glance

| Date                | What happens                                                                                                                                                       |
|---------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **5 May 2026**      | Oyen Takaful Kucing is no longer available for new sign-ups. From this date onwards, only Oyen Pet Insurance (conventional) is available for new applications.      |
| **5 July 2026**     | No new Takaful certificates or renewals will be issued from this date onwards, in line with Zurich General Takaful Malaysia Berhad's discontinuation of the product. |
| **Until your certificate's end date** | If you currently have an active Takaful certificate, your coverage continues unchanged until the certificate's end date. All valid claims incurred during your coverage period will continue to be assessed and processed under your existing Takaful terms. |

## What this means for you

### If you are looking to sign up for the first time

Oyen Takaful Kucing is no longer available for new sign-ups from 5 May 2026 onwards. New applications will be on Oyen Pet Insurance, our conventional plan underwritten by MSIG Insurance (Malaysia) Bhd. You can [get a quote here](https://app.oyen.my/eligibility/v4).

### If you currently hold an active Takaful certificate

Your coverage continues exactly as it is until your certificate's end date. There are no changes to your coverage, terms, or benefits during the remainder of your certificate term. You do not need to do anything right now.

### If your renewal date is before 5 July 2026

You can renew your Takaful certificate one final time. Your renewed Takaful certificate will then run as normal until its end date in 2027, with the same terms and benefits as before.

### If your renewal date is on or after 5 July 2026

Takaful renewals will no longer be available from 5 July 2026 onwards. You will still be able to continue protecting your cat by renewing into a conventional plan. We will send you a renewal reminder 30 days before your certificate's end date with all the details so you have time to review and decide.

## How auto-renewal works during this transition

If you are on auto-renewal and your renewal date falls on or after 5 July 2026, your policy will be smoothly moved into a conventional plan that closely matches your current coverage and pricing.

We aim to keep your new conventional plan as close to your original Takaful pricing as possible. Because conventional and Takaful contributions are priced differently, you may end up on a slightly different tier (for example, a Takaful Plus customer may be moved into MSIG Basic if that is the closest match in price). The goal is to keep your protection continuous without an unexpected jump in cost.

If you would prefer to choose your own plan instead, you can opt out of auto-renewal at any time from your Oyen account, or message us and we will help you decide what works best for your cat.

## Comparing Oyen Takaful Kucing and Oyen Pet Insurance (Conventional)

Both plans are designed to support your cat's care, but they work in different ways.

| Feature                                        | Takaful Kucing (Champion)       | Conventional (Champion)     |
|------------------------------------------------|--------------------------------|-----------------------------|
| Annual vet medical limit                        | RM8,000 per year                | RM10,000 per year           |
| How your share of the bill works               | Deductible per condition: 10% or RM100, whichever is higher | Co-payment per visit: choose 10%, 30%, or 50% |
| Parvovirus                                     | Covered                        | Not covered                 |
| Parasite and worm-related illnesses             | Covered                        | Not covered                 |
| Choice of clinic                                | Any licensed vet clinic in Malaysia | Any licensed vet clinic in Malaysia |
| Underwriter                                     | Zurich General Takaful Malaysia Berhad | MSIG Insurance (Malaysia) Bhd |

Many pet parents find the conventional plan easier to follow because the co-payment is calculated per visit, the annual limit is higher, and you have flexibility to pick a co-payment level (10%, 30%, or 50%) that fits your budget.

## Frequently asked questions

### Why are you making this change?

We have been listening closely to how our plans are used in real life, especially when it comes to affordability and how smoothly claims are approved. Most pet parents prefer something that feels straightforward, predictable, and easy to rely on. Focusing on our conventional plan lets us keep improving the parts that matter most to pet parents.

### Will you bring back a Shariah-compliant pet insurance plan?

We hear you, and we know this matters to many of our pet parents. At the moment, we don't have a timeline for bringing back a Shariah-compliant option. If that changes, we will be sure to share it with you.

### I chose Takaful specifically because it's Shariah-compliant. Is the conventional plan halal?

This is a fair concern, and we completely respect it. Oyen Pet Insurance is a conventional insurance product underwritten by MSIG Insurance (Malaysia) Bhd, which means it is not Shariah-certified. We understand this may be an important consideration for some pet parents, and we want to be clear and transparent so you can decide what feels right for you and your cat.

### What happens to my active or pending claim?

Any claims made under your Takaful certificate will continue to be processed under your existing Takaful terms. Nothing about those claims will be affected by this change. They will be handled exactly as before.

### Do I need to redo all my paperwork and re-upload my cat's photos again if I move to a conventional plan?

No. Your cat's details, photos, and existing records are already with us. You will receive a new policy document for the conventional plan, but you won't need to re-enter all your information from scratch.

### Will my pet's medical history carry over from Takaful to conventional?

Yes. Switching plans does not reset or erase your cat's medical history. If a condition was already excluded under your Takaful certificate (for example, a pre-existing condition or one that was previously claimed for), it will remain excluded under your new conventional plan. Any new conditions that arise after your conventional plan starts will be assessed based on the new policy terms and start date.

### Do I need to do anything right now?

No. Your plan is still running as usual. You can take a closer look at the conventional plan when your current Takaful certificate is approaching its end date, and we will send you a renewal reminder with all the details 30 days before then.

### Can I decide later, after seeing my renewal price?

Yes. Your renewal reminder will arrive 30 days before your certificate's end date, so you will have time to review and choose what works best.

## We're here to help

If you have any questions about your Takaful certificate or about moving to the conventional plan, you can:

- WhatsApp us at [+60 16 299 6840](https://api.whatsapp.com/send/?phone=60162996840&text=I+have+a+question+about+the+Takaful+update&type=phone_number&app_absent=0)
- Email us at [care@oyen.my](mailto:care@oyen.my)

Thank you for trusting us with your cat's protection. We are committed to supporting you and your cat throughout this transition.

_This article was published on 5 May 2026 and reflects the latest update on Oyen Takaful Kucing. Certificate terms and conditions apply._