You may have heard about MediAsas recently. Many of my clients have been asking: “What exactly is this plan? How does it affect me?”
To keep things simple, I’ve broken it down into 5 key questions that answer everything you need to know.
Question 1: What is MediAsas?
MediAsas is the official brand name for Malaysia’s Base Medical & Health Insurance/Takaful (Base MHIT) Plan, launched by JBMKKS (the Joint Ministerial Committee on Private Healthcare Cost). It was officially named on 6 July 2026, with a pilot starting end‑July in Klang Valley and a nationwide rollout scheduled for January 2027.
In plain language, this is a government‑driven, privately‑underwritten medical plan. Its goal is to make basic private medical coverage affordable for more Malaysians – especially those who have struggled to get cover due to age or health conditions.
MediAsas comes in two tiers:
| Tier | Type | Annual Limit | Estimated Monthly Premium |
|---|---|---|---|
| MediAsas Teras | Standard | RM100,000 | From ~RM60/month |
| MediAsas Fleksi | Standard‑Plus | RM300,000 | Up to ~RM550/month |
Final pricing will be confirmed before the national rollout in 2027.
MediAsas is a pure protection plan – 100% of your premium goes towards coverage, with no investment component.
Question 2: What does it cover, and until when?
You can enter the plan up to age 70, and coverage continues until age 85. This means:
-
If you or a family member are above the usual entry age for most private plans (typically 60–65), MediAsas still welcomes you.
-
Once you’re in, you’re covered right up to 85, so you don’t have to worry about losing cover in your later years.
MediAsas will also adopt a DRG (Diagnosis‑Related Groups) payment mechanism. This standardises hospital charges for specific procedures, making billing more transparent and reducing surprise bills.
Question 3: Which hospitals can I use?
The pilot involves 6 insurers and takaful operators:
-
AIA Bhd
-
Allianz Life Insurance Malaysia
-
Great Eastern Life Assurance
-
Prudential BSN Takaful
-
Etiqa Family Takaful
-
Syarikat Takaful Malaysia Keluarga
During the pilot phase, it will be available at selected private hospitals in Klang Valley. After the nationwide rollout, the panel of private hospitals is expected to expand significantly.
All participating hospitals will be integrated under the MDHCN (Malaysian Digital Health Credential Network) framework, enabling “one patient, one record” – which reduces duplicate tests and improves coordination.
Cost‑sharing:
-
In‑network hospitals: 0% co‑share (you pay nothing out‑of‑pocket, subject to policy limits).
-
Out‑of‑network hospitals: 20% co‑share, capped at RM3,000 per claim.
💡 Tip: Choosing an in‑network hospital gives you the best value from your MediAsas plan – minimal extra costs.
Question 4: Can I buy if I already have a medical condition?
Yes – and this is one of MediAsas’ biggest breakthroughs.
Traditionally, private medical plans either exclude pre‑existing conditions or reject applicants outright. MediAsas changes that.
The government has introduced a “no look‑back” policy for pre‑existing conditions – meaning you won’t be turned away because of your medical history.
Instead, MediAsas uses a 12‑month moratorium (waiting period):
-
Once you enrol, any pre‑existing condition is not covered for the first 12 months.
-
After that 12‑month period, coverage kicks in for those conditions.
This is the first time in Malaysia that a medical plan offers such broad access for pre‑existing conditions. It opens the door for countless people who were previously uninsurable.
Question 5: How much does it cost, and who can apply?
Estimated monthly premiums range from ~RM60 to ~RM550, depending on your age and which tier you choose.
MediAsas is aimed primarily at the M40 income group, offering a more affordable private healthcare option. But it is open to all Malaysians – especially those who have never been able to get private medical coverage before.
Summary: What MediAsas Means for You
| Your Situation | What MediAsas Can Do |
|---|---|
| Too old for other plans | ✅ Entry up to age 70, cover up to 85 |
| Rejected due to health issues | ✅ Pre‑existing conditions covered after 12‑month moratorium |
| Current premiums feel too high | ✅ Affordable rates from ~RM60/month |
| Worried about medical bill surprises | ✅ DRG pricing makes charges clearer |
| Already have a plan but want to switch | ✅ Seamless transfer without new underwriting |
⚠️ Important Note: MediAsas is currently in its pilot phase (end‑July – October 2026) in Klang Valley. Full nationwide rollout is expected in January 2027. All terms, pricing, and hospital panels are subject to final official announcements.
If you or your family fall into any of these situations, now is the time to start learning about MediAsas:
-
You’re older and haven’t been able to get good medical cover.
-
You have a health condition and have been rejected or excluded.
-
You want a basic safety net as a “floor” to complement your existing protection.
Want to know more? Feel free to reach out to me. I can help you assess whether MediAsas fits your needs and how it could work alongside your overall financial and protection plan.
This article is for informational purposes only and does not constitute formal insurance advice. Final terms and conditions are subject to official publications.
