The Health Insurance System in Malaysia

Understand the public and private healthcare system, and foreigner eligibility…

The 1998 Private Healthcare Facilities and Services Act states that all private hospitals, clinics and other medical facilities in the country must be licensed. They must comply with a regulatory body which ensures that all facilities are monitored and that fees are controlled; this organisation works closely with the Ministry of Health. Malaysia has had problems with doctors over-prescribing medicines and overcharging for their fees. Foreigners, in particular, should be aware of this.

Private medical facilities can be found throughout Malaysia, including in shopping malls. Private practices usually require that treatment is paid for immediately, either with cash or a credit card.

Private health insurance

As private care can be very expensive it is advisable to have comprehensive medical insurance. Private medical insurance is a requirement for some work visas, for both the visa holder and their dependents; it is also a requirement for those entering the country on the Malaysia My Second Home Programme (MM2H). Many companies offer private medical insurance as part of their remuneration package, but this may not cover dental treatment and some outpatient care. It is advisable to check what is covered and take out additional insurance if necessary.

There are numerous companies in Malaysia providing private health insurance which can be tailored to an individual's needs. Care should be taken to ensure that this insurance is fully comprehensive and applies to all family members.

Payment policies vary from one company to another. Some may allow monthly payments, whereas others may require annual premiums to be paid upfront.

  • MHTC have more information about private healthcare in Malaysia