Xanderia Berhad is a marketing partner of SenangNVS Sdn Bhd. All Takaful certificates offered through this platform are under agencies registered with the following licensed Takaful operators:

•  Takaful Ikhlas General Berhad – ID Agensi: GTX000007SN

You may contact Senang, your digital platform provider, from Monday to Friday, 9.00 AM – 6.00 PM.

• WhatsApp: +018-955 9931

• Email: customercare@senang.io

Yes, changes to the coverage start date can be made before the certificate becomes effective. Once the coverage starts, changes are no longer allowed.

You may cancel before the coverage start date for a full refund, provided no claim has been made.

Refunds are processed after verification and normally take 7–14 working days, depending on payment method and provider.

No. Plan changes are not allowed after the certificate is issued.

Notify Senang within 30 days after returning and submit supporting documents through email or WhatsApp.

Depending on the claim type:

• Accident/Death: Medical report, police report, death certificate

• Medical Expenses: Original receipts, medical report

• Loss of Baggage/Documents: Airport/property irregularity report (PIR), receipts, confirmation letter

• Travel Delay: Airline confirmation of delay

Most claims are processed within 14–21 working days, depending on completeness of documentation.

All approved claims are paid via bank transfer to the participant.

Yes. Most Takaful operators provide 24-hour worldwide emergency support, including medical evacuation and repatriation.

Each Takaful operator has its own hotline. Details are provided in your digital certificate.

• Medical evacuation

• Medically supervised repatriation

• Repatriation of mortal remains

• Coordination with hospitals

Not covered:

• Pre-existing medical conditions

• Suicide or self-inflicted injuries

• Hazardous sports

• Alcohol/drug intoxication

• War, riot, nuclear events

• Illegal activities

• Travel undertaken for medical treatment

No. Any condition diagnosed or treated before the departure date is excluded.

Normal pregnancy and childbirth are excluded. Emergency complications may be reviewed case-by-case, depending on the operator.

Generally excluded unless due to accidental bodily injury.

Loss, theft, or non-recovery reported to airport authorities with a Property Irregularity Report (PIR).

A delay beyond the minimum hours stated in your certificate (e.g., every 6 or 8 hours), confirmed in writing by the airline.

Cash, credit cards, phones, and jewellery are typically not covered.

You may request an update through Senang before the coverage begins.

No. Takaful certificates are non-transferable.

Correction is allowed before coverage starts.

Yes. You have the right to cancel the certificate before coverage begins for a full refund.

No. Participation is voluntary and based on individual need.

Your information is protected under the Personal Data Protection Act (PDPA) 2010 and held securely by Senang and the Takaful operators.