Losing a loved one is never easy. During such a difficult period, families are often occupied with arranging funerals, handling legal matters, settling estates and coping with the emotional impact of their loss. Amid all these responsibilities, one important matter can easily be overlooked – whether the deceased had any life insurance or takaful policies that remain unclaimed.
Many Malaysians may be surprised to learn that unclaimed insurance benefits are more common than they think. In many cases, beneficiaries simply do not know that the deceased had purchased life insurance or takaful protection during their lifetime. Some policies were bought years ago, documents may have been misplaced, or family members were never informed that such coverage existed.
Fortunately, there is now an easier way to check.
The introduction of the Semak Kasih portal provides Malaysians with a convenient online service that helps eligible family members determine whether a deceased loved one has any unclaimed life insurance or takaful benefits. Rather than contacting numerous insurance companies individually, the portal brings participating insurers and takaful operators together in one centralised platform, making the search process far more convenient.
This digital initiative is a positive step towards ensuring that benefits intended for families eventually reach the rightful beneficiaries.
Why This Portal Is Worth Knowing About
Insurance and takaful plans are designed to provide financial security during life’s most challenging moments. Whether the funds are meant to cover funeral expenses, outstanding loans, household commitments or future education costs, they are intended to ease the financial burden left behind after someone passes away.
Unfortunately, these benefits sometimes remain untouched simply because nobody knows they exist.
There are several common reasons why insurance benefits go unclaimed:
- The deceased never informed family members about their policies.
- Insurance documents were lost or accidentally discarded.
- Policies were purchased many years ago and eventually forgotten.
- Beneficiaries were never officially notified.
- Family members assumed no insurance coverage existed.
Instead of spending weeks contacting different insurers one by one, Semak Kasih simplifies the process by providing a single online enquiry platform.
For many families, spending just a few minutes checking could potentially uncover financial benefits that rightfully belong to them.
What Exactly Is Semak Kasih?
Semak Kasih is an online search portal created to help eligible Malaysians verify whether a deceased immediate family member has any unclaimed life insurance or takaful benefits with participating providers.
The platform serves as a central gateway, reducing the need to approach multiple insurance companies individually.
If a matching policy exists, beneficiaries can then proceed with the appropriate claims process through the respective insurance company or takaful operator.
The service is designed to make the search process easier, more transparent and considerably less time-consuming.
Who Can Use the Service?
The portal is intended for individuals who have a legitimate relationship with the deceased.
Eligible applicants generally include:
- Husband or wife.
- Children.
- Parents.
- Immediate family members.
- Authorised legal representatives handling the deceased’s estate.
If someone recently lost a family member and remains uncertain whether insurance protection was ever purchased, using this portal may provide valuable peace of mind.
How to Perform a Search
The process has been designed to be straightforward and user-friendly.
Step 1 – Visit the Official Portal
Access the Semak Kasih website here:
https://semak-kasih.mycoverage.my/
Step 2 – Register an Account
First-time users will need to create a new account before accessing the service.
Registration only takes a short time and allows applicants to manage their enquiries securely.
Step 3 – Log In
Once registration is complete, log in using the newly created account credentials.
Step 4 – Prepare the Required Information
Applicants should have several important documents ready before beginning the application.
These include:
- Deceased person’s MyKad number.
- Death Certificate number.
- A copy of the official Death Certificate for upload.
Having accurate information prepared beforehand helps speed up the verification process.
Step 5 – Submit the Enquiry
After completing the required details and uploading the necessary documents, submit the application through the portal.
The system will process the request and determine whether any participating insurer or takaful operator holds an unclaimed policy linked to the deceased individual.
Preparing Before Applying
Although the online application is relatively simple, it helps to gather all required documents before starting.
Applicants are encouraged to prepare:
- Deceased person’s MyKad information.
- Official Death Certificate.
- Supporting documentation requested during verification.
Providing complete and accurate information helps minimise delays while the enquiry is being processed.
Why Malaysians Should Take Advantage of This Free Service
One of the biggest advantages of the Semak Kasih portal is convenience.
Instead of contacting several insurance companies individually, eligible applicants only need to submit one enquiry online.
This saves valuable time and effort, especially during a period when families are already dealing with numerous responsibilities.
More importantly, successful searches may reveal financial benefits that could provide meaningful assistance.
Insurance payouts may help cover:
- Funeral expenses.
- Outstanding housing or vehicle loans.
- Household living costs.
- Children’s education.
- Medical bills.
- Estate administration expenses.
- Other financial commitments left behind by the deceased.
Even if the search ultimately finds no existing policy, families gain reassurance knowing they have taken the necessary steps to verify the situation.
Supporting Malaysia’s Digital Transformation
The launch of Semak Kasih also reflects Malaysia’s continued efforts to improve digital public services.
More government agencies and financial institutions are embracing online platforms that reduce paperwork while making essential services easier to access.
By bringing participating insurers and takaful operators together under one portal, Semak Kasih offers a practical solution that benefits thousands of Malaysian families.
It demonstrates how technology can simplify what was once a lengthy and often confusing administrative process.
A Few Minutes Could Make a Big Difference
Many people never imagine that insurance benefits could remain unclaimed after someone passes away.
Yet situations like this happen more frequently than expected.
A policy purchased decades ago may still exist, even if family members have no knowledge of it.
Taking a few minutes to perform a search through the Semak Kasih portal could potentially uncover financial assistance that was specifically intended to support surviving loved ones.
While not every enquiry will produce a positive result, the process is straightforward, free to use for eligible applicants and well worth considering.
If someone in the family has recently passed away and there is uncertainty surrounding their insurance or takaful coverage, this online service offers an excellent starting point.
For more information or to begin an enquiry, visit: https://semak-kasih.mycoverage.my/
Checking today could provide valuable financial support tomorrow, ensuring that the deceased’s wishes are honoured and that their insurance protection reaches the people they intended to help.
Promotional/Event Details
Date: 3 July 2026 onwards
Time: Available 24 Hours Online
Online via https://semak-kasih.mycoverage.my/
Service: Semak Kasih – Unclaimed Life Insurance & Takaful Benefits Search Portal
Who Can Apply: Eligible immediate family members and authorised representatives of deceased individuals
Purpose: To check whether a deceased loved one has any unclaimed life insurance or takaful benefits through participating insurers and takaful operators.
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