Best Medical Insurance

Stay protected from the unexpected.

Medical Insurance
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Showing out of 8 insurance product(s)

Featured

Diabetic Essential

An innovative medical plan diabetics need and deserve

Annual Limit
Up to RM1,400,000
Lifetime Limit
Up to RM4,200,000
Hospitalisation Benefit
Up to RM400 Per day
Panel Hospitals
156 Panel

    HealthInsured

    Medical coverage designed to give you peace of mind

    Annual Limit
    Up to RM5,000,000
    Lifetime Limit
    No Limit
    Hospitalisation Benefit
    Up to RM500 Per day
    Panel Hospitals
    156 Panel

      PRUMy Medical Plus

      Prioritise your needs with our range of customisable plans.

      Annual Limit
      Up to RM2,000,000
      Lifetime Limit
      No Limit
      Hospitalisation Benefit
      Up to RM600 Per day
      Panel Hospitals
      105 Panel

        PRUMy Child Plus

        Protects mummy and baby​ from 13 weeks of pregnancy.​

        Annual Limit
        Up to RM50,000
        Lifetime Limit
        No Limit
        Hospitalisation Benefit
        Up to RM300 Per day
        Panel Hospitals
        105 Panel

          eMedic Plus

          Easily accessible medical protection 24/7

          Annual Limit
          Up to RM150,000
          Lifetime Limit
          No Limit
          Hospitalisation Benefit
          Up to RM250 Per day
          Panel Hospitals
          150 Panel

            iMed

            Get covered immediately online! Full control of your protection at affordable premiums.

            Annual Limit
            Up to RM60,000
            Lifetime Limit
            No Limit
            Hospitalisation Benefit
            Up to RM250 Per day
            Panel Hospitals
            150 Panel

              PRUMy Diabetes Care

              A solution specially for those with diabetes.

              Annual Limit
              Up to RM2,000,000
              Lifetime Limit
              No Limit
              Hospitalisation Benefit
              None
              Panel Hospitals
              105 Panel

                MediAdvantage

                Access overseas medical expertise for your healthcare needs

                Annual Limit
                Up to RM8,000,000
                Lifetime Limit
                Up to RM16,000,000
                Hospitalisation Benefit
                Up to RM800 Per day
                Panel Hospitals
                156 Panel

                  Smart Baby Shield

                  Pregnancy Protection with Maternity Insurance

                  Annual Limit
                  Up to RM60,000
                  Lifetime Limit
                  No Limit
                  Hospitalisation Benefit
                  Up to RM500 Per day
                  Panel Hospitals
                  103 Panel

                    Cancer Shield Plus

                    Comprehensive care at every stage of the cancer journey

                    Annual Limit
                    Up to RM250,000
                    Lifetime Limit
                    No Limit
                    Hospitalisation Benefit
                    None
                    Panel Hospitals
                    103 Panel

                      FWD Medical Care+

                      Comprehensive medical card at great value. Save up to 45% with deductibles

                      Annual Limit
                      Up to RM150,000
                      Lifetime Limit
                      No Limit
                      Hospitalisation Benefit
                      Up to RM250 Per day
                      Panel Hospitals
                      50 Panel

                        FWD Medical Rider

                        Financial concerns shouldn’t get in the way of health

                        Annual Limit
                        Up to RM2,000,000
                        Lifetime Limit
                        No Limit
                        Hospitalisation Benefit
                        Up to RM2,000 Per day
                        Panel Hospitals
                        50 Panel

                          EasiMed Major

                          Full Medical Coverage with Hospital & Surgical Insurance

                          Annual Limit
                          Up to RM200,000
                          Lifetime Limit
                          No Limit
                          Hospitalisation Benefit
                          Up to RM170 Per day
                          Panel Hospitals
                          103 Panel

                            Great Health Direct

                            An online medical insurance plan to protect you against life’s uncertainties

                            Annual Limit
                            Up to RM100,000
                            Lifetime Limit
                            No Limit
                            Hospitalisation Benefit
                            Up to RM200 Per day
                            Panel Hospitals
                            103 Panel

                              GREAT Medic Shield 2 + GREAT Medic Million Extender 2

                              Comprehensive Medical and Hospitalisation Plan

                              Annual Limit
                              Up to RM1,500,000
                              Lifetime Limit
                              No Limit
                              Hospitalisation Benefit
                              Up to RM200 Per day
                              Panel Hospitals
                              103 Panel

                                iGreat MediHarapan

                                Medical Protection Plan for You and Your Family

                                Annual Limit
                                Up to RM200,000
                                Lifetime Limit
                                No Limit
                                Hospitalisation Benefit
                                Up to RM200 Per day
                                Panel Hospitals
                                103 Panel

                                  iMedi Rider & iMedi ExPlus Rider

                                  An innovative medical plan that protects you now and for future healthcare needs

                                  Annual Limit
                                  Up to RM2,000,000
                                  Lifetime Limit
                                  No Limit
                                  Hospitalisation Benefit
                                  Up to RM300 Per day
                                  Panel Hospitals
                                  103 Panel

                                    PRUValue Med

                                    Get reimbursed for expenses incurred during hospitalisation.

                                    Annual Limit
                                    Up to RM2,000,000
                                    Lifetime Limit
                                    No Limit
                                    Hospitalisation Benefit
                                    Up to RM600 Per day
                                    Panel Hospitals
                                    105 Panel

                                      Medic Protector

                                      Eases your burden of medical bill so you can keep your savings for your goals

                                      Annual Limit
                                      Up to RM4,000,000
                                      Lifetime Limit
                                      No Limit
                                      Hospitalisation Benefit
                                      Up to RM400 Per day
                                      Panel Hospitals
                                      105 Panel

                                        Health Protector

                                        Provides the financial support you need for healthcare

                                        Annual Limit
                                        Up to RM2,000,000
                                        Lifetime Limit
                                        No Limit
                                        Hospitalisation Benefit
                                        Up to RM600 Per day
                                        Panel Hospitals
                                        105 Panel

                                          Medic Plan

                                          Keeps you secured for major medical expenses in a few clicks

                                          Annual Limit
                                          Up to RM100,000
                                          Lifetime Limit
                                          No Limit
                                          Hospitalisation Benefit
                                          Up to RM150 Per day
                                          Panel Hospitals
                                          105 Panel

                                            ALife Med Regular

                                            Keeps you secured for major medical expenses in a few clicks

                                            Annual Limit
                                            Up to RM150,000
                                            Lifetime Limit
                                            No Limit
                                            Hospitalisation Benefit
                                            Up to RM250 Per day
                                            Panel Hospitals
                                            105 Panel

                                              APlus Total Health

                                              A health plan that provides a comprehensive medical coverage for you and your loved ones.

                                              Annual Limit
                                              Up to RM2,000,000
                                              Lifetime Limit
                                              No Limit
                                              Hospitalisation Benefit
                                              Up to RM500 Per day
                                              Panel Hospitals
                                              105 Panel

                                                APlus Total Health

                                                A Takaful health plan that provides a comprehensive medical coverage for you and your loved ones.

                                                Annual Limit
                                                Up to RM2,000,000
                                                Lifetime Limit
                                                No Limit
                                                Hospitalisation Benefit
                                                Up to RM500 Per day
                                                Panel Hospitals
                                                105 Panel

                                                  Cancer Shield Plus

                                                  Feel secured with double protection. Be free from financial constraints.

                                                  Annual Limit
                                                  Up to RM45,000
                                                  Lifetime Limit
                                                  No Limit
                                                  Hospitalisation Benefit
                                                  None
                                                  Panel Hospitals
                                                  132 Panel

                                                    MedicDefender

                                                    Affordable hospitalisation income plan.

                                                    Annual Limit
                                                    Up to RM20,000
                                                    Lifetime Limit
                                                    No Limit
                                                    Hospitalisation Benefit
                                                    Up to RM540 Per day
                                                    Panel Hospitals
                                                    132 Panel

                                                      iHealth Advance

                                                      Boosting your medical insurance coverage to ensure you always stay protected.

                                                      Annual Limit
                                                      Up to RM2,000,000
                                                      Lifetime Limit
                                                      No Limit
                                                      Hospitalisation Benefit
                                                      Up to RM600 Per day
                                                      Panel Hospitals
                                                      132 Panel

                                                        ZMedProtect

                                                        Comprehensive solutions for your healthcare needs

                                                        Annual Limit
                                                        Up to RM2,000,000
                                                        Lifetime Limit
                                                        No Limit
                                                        Hospitalisation Benefit
                                                        Up to RM500 Per day
                                                        Panel Hospitals
                                                        132 Panel

                                                          MediAfya

                                                          Health and wellbeing hand in hand

                                                          Annual Limit
                                                          Up to RM350,000
                                                          Lifetime Limit
                                                          No Limit
                                                          Hospitalisation Benefit
                                                          Up to RM280 Per day
                                                          Panel Hospitals
                                                          132 Panel

                                                            Manulife Health Saver Benefit + MHSB Booster

                                                            A medical plan that provides you with enhanced coverage

                                                            Annual Limit
                                                            Up to RM4,200,000
                                                            Lifetime Limit
                                                            No Limit
                                                            Hospitalisation Benefit
                                                            Up to RM250 Per day
                                                            Panel Hospitals
                                                            95 Panel

                                                              HCC BoostUp + HealthCare Choice

                                                              Your trusted shield from life’s uncertainties

                                                              Annual Limit
                                                              Up to RM3,750,000
                                                              Lifetime Limit
                                                              No Limit
                                                              Hospitalisation Benefit
                                                              Up to RM500 Per day
                                                              Panel Hospitals
                                                              80 Panel

                                                                Pacific MEDI-PRO

                                                                Hospitalisation and Surgical Insurance

                                                                Annual Limit
                                                                Up to RM1,000,000
                                                                Lifetime Limit
                                                                No Limit
                                                                Hospitalisation Benefit
                                                                Up to RM200 Per day
                                                                Panel Hospitals
                                                                138 Panel

                                                                  Gluco SafeGuard

                                                                  A rewarding life begins with a shift in your lifestyle

                                                                  Annual Limit
                                                                  Up to RM320,000
                                                                  Lifetime Limit
                                                                  Up to RM1,600,000
                                                                  Hospitalisation Benefit
                                                                  Up to RM500 Per day
                                                                  Panel Hospitals
                                                                  115 Panel
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                                                                    Last updated: Jun 6, 2024

                                                                    FAQs

                                                                    • Medical insurance helps cover the cost of hospitalisation and treatment, or helps you financially if you experience an illness or an accident.

                                                                      With a medical insurance plan, the payout doesn’t go directly to you. Instead, the payout will be used to cover your hospital bills.

                                                                    • Every adult needs medical insurance coverage. Medical costs are high and are increasing every year. A medical insurance policy will help pay for the costs of medical treatment or hospitalisation, so you don’t have to pay these costs out of your own pocket.

                                                                    • The most popular type of medical insurance is hospital and surgical – you may also know it as a ‘medical card.’ Other types of plans may give you a lump sum payout.


                                                                      Types of medical insurance


                                                                      Description


                                                                      Hospital and surgical


                                                                      Covers the costs of treatment or surgery when you are admitted to a hospital.


                                                                      Critical illness


                                                                      Gives you a lump sum payout if you are diagnosed with one of the covered critical illnesses.


                                                                      Hospital income


                                                                      Gives you a specific amount of income (e.g. RM100) for each day you are hospitalised.


                                                                      Personal accident


                                                                      Gives you a lump sum payout in the event of death or disability due to an accident.

                                                                    • The cost of medical insurance depends on your individual age, health risks and your chosen product's coverage and terms. The cost can range from RM100 to over RM300 per month on average.

                                                                    • There are two types of medical cards: a standalone medical card, and a medical card rider. Here are some of the differences:

                                                                       

                                                                       

                                                                      Standalone medical insurance plan


                                                                      Medical card rider


                                                                      Policy


                                                                      Is sold as a standalone policy


                                                                      Is sold as a rider that is attached to a main plan, such as an investment-linked policy (ILP)


                                                                      Premium


                                                                      Premium


                                                                      If purchased with an ILP, premiums don’t increase with age (but may be adjusted to keep up with medical inflation)


                                                                      Affordability


                                                                      Generally cheaper


                                                                      Generally more expensive


                                                                      Cash value


                                                                      None


                                                                      May have cash value generated from investment returns

                                                                       

                                                                      Getting a medical rider that comes with an investment-linked life insurance policy can be a good idea if you have dependents who rely on you financially, or if you need an all-in-one life and medical plan that covers your family too.

                                                                    • Benefits vary from one product to the next. Medical insurance can help to:

                                                                      • Cover the costs of treatment or surgery when you are admitted to a hospital
                                                                      • Cover the costs of medical emergencies
                                                                      • Get a specific amount of income (e.g. RM100) for each day you are hospitalised
                                                                      • Covers pre and  post-hospitalisation expenses for covered medical services
                                                                    • Medical costs are high, and they are increasing every year. A medical insurance plan helps you cover these costs. 

                                                                      When choosing medical insurance, remember that some policies don’t cover pre-existing conditions, so make sure to check the fine print or ask your agent before subscribing.

                                                                      To choose the right medical insurance, you should look out for:

                                                                          1. Enough coverage

                                                                      The plan should be sufficient to cover your treatment costs. If you are an employee, you may have company medical insurance, but it will come with limits in coverage.

                                                                          2. Affordability. 

                                                                      Have a budget in your mind. Some plans come with increasing premium as you age, while some are maintained throughout. It would be wise to take note of this to prevent getting a shock later. 

                                                                          3. Claims process.

                                                                      Take note of what is covered and not covered under your policy. Know all the documents and forms you need to submit to the insurer.

                                                                    Still unsure about which product best suits you?

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