Proposed hybrid takaful (Islamic insurance) model for mental health illnesses among low income earners in Malaysia

: This research is conducted to address the risk of mental health illness through hybrid takaful (Islamic insurance) product for low income earners in Malaysia. We adopt a qualitative approach by using the content analysis technique through analysing the related document, report from different agencies and prior literature.The results portray that an innovative and interactive mental health takaful product is needed in the market in Malaysia in preserve the benefits of coverage to mental health patients and prevent harm to mental wellbeing holistically. This augurs well toward achieving the sustainable development goals (SDGs) through universal health coverage for the public health in Malaysia. It provides insight into the takaful industry to introduce hybrid takaful model with more effort from finance ministry, financial institutions and related responsible bodies in designing, developing and appropriate promotion and awareness interventions before wider coverage for mental illnesses is available in the market so that the product in reach the target group of people.