Ouch Free Sdn Bhd

Ouch! (operated by Ouch Free Sdn Bhd and Ouch Protect Berhad) is Malaysia's first homegrown insurtech company and digital takaful operator, founded in 2018 with a mission to make Shariah-compliant life and health protection affordable and accessible to all Malaysians. The platform offers commitment-free, digitally underwritten takaful certificates — including its flagship Pusara Pro life takaful product — directly via a mobile app, eliminating agents and paperwork to reduce costs. Approved by Bank Negara Malaysia in its Regulatory Sandbox, Ouch! primarily serves underserved Malaysians (including the B40 income group) and small business employees seeking simple, transparent coverage.