{"id":70785,"date":"2026-08-26T11:00:15","date_gmt":"2026-08-26T03:00:15","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=70785"},"modified":"2026-08-27T17:49:18","modified_gmt":"2026-08-27T09:49:18","slug":"mediasas-malaysia-explained","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/mediasas-malaysia-explained","title":{"rendered":"MediAsas From RM60 a Month: What Malaysia&#8217;s New Basic Health Insurance Covers \u2014 and What It Doesn&#8217;t."},"content":{"rendered":"<p>From January 2027, Malaysia gets a new floor under its health financing: <a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2026\/07\/06\/finance-ministry-unveils-039mediasas039-health-insurance-pilot-to-begin-end-of-july\" target=\"_blank\" rel=\"noopener\">MediAsas<\/a>, a basic <a href=\"https:\/\/www.imoney.my\/articles\/category\/insurance\" target=\"_blank\" rel=\"noopener\">medical insurance<\/a> and takaful product designed for people the current system misses \u2014 the uninsured middle, gig workers, and anyone priced out of full medical cards. A pilot has been running since late July with six insurers in Klang Valley hospitals.<\/p>\n<p>It arrives with real strengths, real limits, and real controversy. All three belong in the same article.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-MediAsas-is-in-one-minute\"><\/span>What MediAsas is, in one minute<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Two plan families \u2014 Teras (the base) and Fleksi (configurable) \u2014 priced from RM60 to RM550 a month, with the entry plan around RM65. You can enrol up to age 70, with cover running to 85. The genuinely novel part: premiums can be paid from EPF Akaun Sejahtera, meaning cover without touching monthly cash flow. It&#8217;s part of the broader RESET reform programme responding to medical inflation that hit 15% in 2024.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-numbers-premiums-limits-waiting-periods\"><\/span>The numbers: premiums, limits, waiting periods<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Annual claim limits on Teras are RM100,000 if you&#8217;re 59 and below, RM150,000 at 60 and above, with a RM300,000 higher tier available. Waiting periods follow industry convention: 30 days for general conditions, 120 days for specified illnesses. One line deserves bold in your mental notes: premiums are not guaranteed \u2014 they can be revised over time, as with medical products generally.<\/p>\n<table>\n<tbody>\n<tr>\n<th><\/th>\n<th>MediAsas Teras<\/th>\n<th>Typical full medical card<\/th>\n<\/tr>\n<tr>\n<td>Monthly cost<\/td>\n<td>From ~RM65<\/td>\n<td>RM150\u2013400+, age-dependent<\/td>\n<\/tr>\n<tr>\n<td>Annual limit<\/td>\n<td>RM100k\u2013150k (RM300k tier)<\/td>\n<td>Often RM1 million+<\/td>\n<\/tr>\n<tr>\n<td>Pre-existing conditions<\/td>\n<td>Excluded<\/td>\n<td>Generally excluded\/underwritten<\/td>\n<\/tr>\n<tr>\n<td>Payment<\/td>\n<td>Cash or EPF Akaun Sejahtera<\/td>\n<td>Cash<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"The-exclusions-honestly\"><\/span>The exclusions, honestly<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>BNM&#8217;s 29 July FAQ lists 35 exclusions. The three that matter most in real families: pre-existing conditions, mental health treatment, and congenital conditions. This is the trade that makes RM65 a month possible \u2014 MediAsas is protection against future medical shocks, not a solution for conditions you already carry. Anyone selling it as the latter is misselling it.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The-7-year-%E2%80%9Cno-look-back%E2%80%9D-%E2%80%94-and-its-limits\"><\/span>The 7-year &#8220;no look-back&#8221; \u2014 and its limits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A consumer-friendly feature worth understanding precisely: after seven years of continuous cover, claims generally can&#8217;t be denied over innocent non-disclosure at enrolment. The carve-out: fraud, deliberate, or reckless non-disclosure remains deniable at any time. Translation \u2014 answer the enrolment questions honestly and completely; the seven-year shield protects the honest, not the strategic.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who-it-fits-and-who-should-skip-it\"><\/span>Who it fits (and who should skip it)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Good fit: the currently uninsured; gig and informal workers with <a href=\"https:\/\/www.imoney.my\/articles\/epf-top-up-compound-interest-malaysia\" target=\"_blank\" rel=\"noopener\">EPF balances<\/a> but thin cash flow; families wanting a floor under a healthy young adult; anyone whose alternative is &#8220;nothing&#8221;. Weaker fit: those with employer group cover that already exceeds these limits; anyone with significant pre-existing conditions (the exclusions bite hardest here); and anyone who can comfortably afford a full card \u2014 RM100k\u2013150k runs out fast against a serious illness at 2026 private-hospital prices.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-the-critics-say\"><\/span>What the critics say<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The scheme has serious detractors, and you should hear them. Health economist Prof Syed Aljunid has argued it should be scrapped outright, contending a premium-based basic product entrenches the wrong financing model; <a href=\"https:\/\/codeblue.galencentre.org\/2026\/08\/mediasas-doesnt-cover-pre-existing-conditions-seven-years-before-no-look-back-bnm-faq\/\" target=\"_blank\" rel=\"noopener\">health policy outlet CodeBlue<\/a> and at least one MP have raised concerns about limits versus real treatment costs and the EPF-drawdown trade-off \u2014 every ringgit of premium from Akaun Sejahtera is a ringgit not compounding for retirement. The counterargument: for millions with zero cover, an imperfect floor beats an elegant nothing. Both things can be true; your decision only needs to be right for your household.<\/p>\n<div class=\"block block--success\"><div class=\"block__title\">THE MOVE \u2014 THREE QUESTIONS BEFORE JANUARY<\/div><div>1) What cover do I actually hold today, incl. employer plans?<br \/>\n2) Do my pre-existing conditions make MediAsas&#8217;s exclusions decisive?<br \/>\n3) Can I afford a full card if I quote one this quarter? Price the full card first \u2014 if it&#8217;s genuinely out of reach, shortlist your MediAsas tier by December so January is a decision, not a scramble.<br \/>\n<\/div><\/div>\n<div class=\"block block--info\"><div class=\"block__title\">Step one is knowing what full cover costs you.<\/div><div><a href=\"https:\/\/www.imoney.my\/medical-insurance?src=articles\" target=\"_blank\" rel=\"noopener\">Compare medical cards<\/a> side by side on iMoney \u2014 then judge MediAsas against a real quote, not a guess.<\/p>\n<p><a class=\"btn btn-primary\" href=\"https:\/\/www.imoney.my\/critical-illness-insurance?src=articles\" target=\"_blank\" rel=\"noopener\">Compare critical illness insurance on our listing page<\/a><br \/>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Launching January 2027, payable from your EPF, priced from kopi-money. Here&#8217;s the plain-language read \u2014 limits, the 35 exclusions, who it fits, and what the critics say.<\/p>\n","protected":false},"author":1,"featured_media":70745,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3499],"tags":[3457,3459,3461,3463],"class_list":["post-70785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","tag-bnm","tag-health-insurance","tag-insurance","tag-mediasas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MediAsas Explained: RM60\/mo Cover, Limits &amp; Exclusions<\/title>\n<meta name=\"description\" content=\"Malaysia&#039;s basic health insurance launches Jan 2027: RM60\u2013550\/mo, RM100k\u2013150k limits, payable via EPF, what critics say, &amp; its 35 exclusions.\" \/>\n<meta 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