MediAsas is Malaysia’s standardised basic medical and health insurance and Takaful (MHIT) scheme, developed to provide affordable, standalone private healthcare protection. Rolled out under the national RESET healthcare reform strategy—jointly spearheaded by Bank Negara Malaysia (BNM), the Ministry of Health (MOH), and the Ministry of Finance (MOF)—the initiative transitions from its July 2026 pilot phase in the Klang Valley to a nationwide launch in January 2027.
With private medical inflation in Malaysia reaching double digits in recent years, many middle-income households and uninsured individuals face difficulty affording traditional medical cards. MediAsas addresses this gap by offering pure, standalone medical protection that is not bundled with investment-linked products. Furthermore, starting in 2027, hospital charges under the framework are tied to transparent Diagnosis-Related Group (DRG) fee categories to make medical bills more predictable.
Securing your medical safety net has never been easier. If you are wondering how to apply mediasas, the process is designed to be fully digital and user-friendly, enabling eligible Malaysians to choose between two core tiers—MediAsas Teras and MediAsas Fleksi—without complicated paperwork.
Applying for MediAsas follows a structured four-phase journey: Preparation, Platform Navigation, Provider Selection, and Funding and Approval. Before submitting your digital form, you must choose between two standardised plan tiers—MediAsas Teras (or MediAsas Takaful Teras) for core protection with lower upfront deductibles, or MediAsas Fleksi (or MediAsas Takaful Fleksi) for higher annual limits paired with a higher annual deductible.
To qualify for MediAsas under the full nationwide framework, applicants must fall within the eligible entry age of up to 70 years old (age last birthday) and meet Malaysian residency criteria. Once enrolled, coverage is guaranteed renewable annually up to age 85, with no lifetime benefit limit as long as premiums or contributions are paid on time.
Before initiating your online application, ensure you meet the basic entry rules and have the following details ready:
The mediasas online registration process is conducted digitally through the official portals of licensed insurance and Takaful operators or via the centralised EPF i-Lindung platform. Because MediAsas is a fully underwritten medical plan, every applicant must complete a mandatory health declaration questionnaire during registration so the operator can assess insurability.
When completing the online form, full and accurate health disclosure is essential. Standard MediAsas policies generally exclude pre-existing medical conditions, congenital conditions, and specific listed exclusions. However, BNM guidelines aim to widen access so that individuals with certain stable, well-managed conditions—such as early-stage cancer in remission or single-vessel heart disease—may still be accepted for general coverage, subject to specific condition exclusions or premium loading rather than outright rejection.
Under the MediAsas framework, a seven-year ‘no look-back’ moratorium applies after seven continuous years from your policy’s risk commencement date. Once this seven-year period passes, operators are generally barred from retrospectively investigating claims for innocent non-disclosure, except in cases involving deliberate fraud, reckless misrepresentation, or predefined serious medical conditions that manifested before or within 30 days of policy commencement.
Most applicants will receive automated digital underwriting decisions without needing a physical doctor’s visit. If your health declaration flags a condition that requires further clinical review, the operator may request a medical check-up or additional diagnostic reports. Under BNM rules for MediAsas, the cost of any requested underwriting medical examination is borne entirely by the insurer or Takaful operator.
From January 2027, every licensed life insurer and family Takaful operator offering medical and health coverage in Malaysia is mandated to offer MediAsas Teras, while MediAsas Fleksi may be offered optionally. Because BNM standardises the core benefit limits, deductibles, and waiting periods across both the mediasas participating insurers and the mediasas takaful operators list, your choice of provider should focus on hospital network accessibility, claims efficiency, and Shariah preferences rather than policy wording differences.
First, decide whether you prefer a conventional medical insurance policy (MediAsas Teras / Fleksi) or a Shariah-compliant family Takaful certificate (MediAsas Takaful Teras / Fleksi) based on mutual risk-sharing principles. Next, evaluate the providers using the objective criteria below:
| Evaluation Factor | Why It Matters for Policyholders | What to Check Before Applying |
|---|---|---|
| Preferred In-Network Hospital Coverage | Seeking treatment at an operator’s Preferred In-Network Provider grants access to smooth, cashless hospital admission (via Letter of Guarantee) and lower out-of-pocket co-payments. | Check if private hospitals near your home or workplace are listed on the operator’s preferred network panel. |
| Out-of-Network Co-Payment Impact | Under MediAsas Teras, visiting an out-of-network private hospital requires payingclaims on a reimbursement basis and triggers an additional 20% co-insurance/co-takaful (capped at RM3,000 per disability) on top of the RM500 deductible. (Note: Co-payments are waived for government hospitals, emergencies, and outpatient cancer care). | Ensure the operator has a wide enough preferred hospital list so you do not accidentally incur out-of-network co-insurance penalties. |
| Digital Claims & GL Turnaround | Fast issuance of Letters of Guarantee (GL) during admission and quick reimbursement processing for pre- and post-hospitalisation bills reduce financial stress. | Review the functionality of the operator’s mobile app for tracking GL status and uploading outpatient receipts digitally. |
| Customer Support & Portal Usability | Medical emergencies happen round the clock, requiring reliable 24/7 helpline assistance and clear communication during hospital discharge. | Look for operators with responsive 24-hour medical assistance hotlines and intuitive online self-service portals. |
| Availability of MediAsas Fleksi | While all licensed medical insurers and Takaful operators must offer the Teras tier from January 2027, offering the Fleksi tier is optional. | If you specifically want the RM300,000 annual limit under MediAsas Fleksi, verify that your shortlisted operator offers this tier. |
To ease the financial commitment, many are exploring options to pay mediasas with epf akaun sejahtera without straining their monthly take-home pay. Under Budget 2027, the government confirmed that Employees Provident Fund (EPF) members below age 55 can utilise savings in their Akaun Sejahtera (formerly Account 2) to pay for MediAsas premiums or Takaful contributions for themselves and eligible family members.
Following the EPF account restructuring implemented in May 2024, members’ contributions are split across three distinct accounts:
Follow these simple steps to fund your MediAsas plan using your EPF savings:
The information provided in this article is for educational purposes only and does not constitute financial, insurance, or medical advice. MediAsas information reflects pilot terms and guidelines that may be subject to change by the relevant authorities. Please refer to the official policy documents for exact coverage details.
Under the nationwide MediAsas framework, Malaysian citizens and eligible permanent residents aged 0 (infants) up to age 70 (age last birthday) can apply for coverage. You can register for yourself as well as eligible immediate family members, including your spouse, children, and parents up to age 70. Once approved, the plan is guaranteed renewable annually up to age 85.
A physical medical examination is generally not required for standard applications if you have a clean bill of health. However, because MediAsas is a fully underwritten product, the insurer or Takaful operator may request a medical check-up or additional clinical reports if you declare a pre-existing condition that requires further assessment. If a check-up is requested, the examination cost is paid for by the operator.
Yes. Registered EPF members under the age of 55 can use their Akaun Sejahtera savings via the i-Lindung platform inside the KWSP i-Akaun mobile app to finance MediAsas policies or Takaful certificates for themselves and their immediate family members, including spouses, children, and parents.
No. Because MediAsas is standardised by Bank Negara Malaysia, the core hospitalisation benefits, annual limits (RM100,000 to RM150,000 for Teras; RM300,000 for Fleksi), deductibles, and waiting periods are identical across all participating insurers and Takaful operators. However, operators differ in their list of Preferred In-Network Hospitals, digital app experience, and customer service turnaround times.
MediAsas requires timely premium or contribution payment at renewal to remain active and avoid lapsing. If your Akaun Sejahtera balance is insufficient upon renewal, your provider will notify you to switch to an alternative payment method—such as a direct debit card, online banking, or cash withdrawn from your EPF Akaun Fleksibel (Account 3)—to keep your medical protection in force.
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