Healthcare Malaysia

Healthcare Malaysia

Insurance

With your accommodation settled, it is important to familiarise yourself with Malaysia’s healthcare system. There are generally two healthcare providers, public and private, and each comes at different price points.

In order to be granted a student visa, it is compulsory for international students in Malaysia to be medically insured based on the following requirements:
i) The medical insurance plan must be purchased locally
ii) The medical insurance plan must be valid throughout the period of study

Medical insurance coverage helps to defray medical costs and give you peace of mind so that you can concentrate on other important matters, especially your education.

Insurance TypeProduct Type / CoverageDefinition
International Student Insurance
These policies meet the minimum coverage requirements set out by the Ministry of Education (MOE) to cover issues that students would encounter.
Medical / Health InsuranceMedical CardsEnjoy the peace of mind that major medical costs are covered with a medical card that pays up to 100% of your medical bills.
Critical IllnessPlan for financial security in case of an unexpected serious medical condition requiring expensive medical treatments
Protection InsuranceTravel InsuranceKeep yourself protected while travelling from accidents, flight delays, and unforeseen trouble.
Personal AccidentCoverage that allows you to focus on your recovery without worrying about costs and recovery time.

For more information on the types of coverage provided, you can compare main features offered by mainstream service providers in their product offerings here.

Please find below a summary of insurance packages that you can directly purchase when applying for your visa.

AIA Medical Insurance Packages

SilverPremium Per Year In USD
Foreign Students Aged ≥ 16 but ≤ 60$80 – $150
Maximum Claim Limit Per Disability – $4,500 – $4,900
GoldPremium Per Year In USD
Foreign Students Aged ≥ 16 but ≤ 60$150 – $200
Maximum Claim Limit Per Disability – $7,000 – $7,300
PlatinumPremium Per Year In USD
Foreign Students Aged ≥ 16 but ≤ 60$170 – $220
Maximum Claim Limit Per Disability – $10,000 – $12,100

For more details, you can click here.

AXA Medical Insurance Package

AXA-550Premium Per Year In USD
Foreign Students Aged ≥ 12 but ≤ 60$120 – $140
Foreign Students Aged > 60 but ≤ 65$120 – $140
Maximum Claim Limit Per Disability – $4,600 – $4,900

For more details, you can click here.

Hong Leong Malaysia Takaful Medical Insurance Package

SilverPremium Per Year In USD
Foreign Students Aged ≥ 16 but ≤ 60$80 – $120
Maximum Claim Limit Per Disability – $4,600 – $4,900
GoldPremium Per Year In USD
Maximum Claim Limit Per Disability$7,000 – $7,300
Foreign Students Aged ≥ 16 but ≤ 60$160 – $180
PlatinumPremium Per Year In USD
Maximum Claim Limit Per Disability$11,100 – $12,100
Foreign Students Aged ≥ 16 but ≤ 60$180 – $220

For more details, you can click here.

Higher education institutions in Malaysia are permitted to liaise directly with insurance providers to offer medical insurance to international students. Packages provided under this arrangement fully meet requirements set out by the Ministry of Education. Do seek information from your institution regarding packages offered and the premium applicable for each.

A Respected Healthcare Provider

Malaysia’s continuous investment in healthcare had resulted in medical technology and services being one of the country’s key exports, as well as putting the country at the forefront of medical tourism. Offering some of the best healthcare services in Southeast Asia at multiple entry points, Malaysia boasts an efficient and affordable healthcare system that caters for everyone including students, enabling them to focus on other higher pursuits.

Malaysia has the knowledge, staff and facilities to manage most if not all medical conditions. All Malaysian cities have round-the-clock medical services including a very capable emergency response team at every well-equipped major hospital. For minor illnesses, you may want to keep details of the nearest 24-hour clinics, emergency hotlines and ambulance services, but only for your peace of mind.

ServiceNumber
Police, Ambulance, Fire Brigade, Civil Defense999
St. John’s Ambulance
(Refer here for numbers in different states)
03-3371 5005 (Selangor)
Red Crescent Society
(Refer here for numbers in different states)
03-41419755 (Selangor)

Public Healthcare

On-campus healthcare is also provided by most universities, with doctors and nurses on standby to attend to any need. Others with established medical schools, for example the University of Malaya provides on-campus medical care for students at far below market prices.

Government hospitals and clinics are available and easily accessible by many. Finding one within your area can be done with a simple online search, and walk-ins are mostly allowed. Should you need hospital care, you can easily get a referral, albeit at a higher price for non-citizens. Worry not, your insurance would cover this.

Treatment For Non-Citizens In Government Hospitals/ClinicsPrice Range in USD*
Consultation Fee$10 – $50
Specialist Outpatient$30 – $60
Accident and Emergency Walk-in$20 – $30
Ward Charges$40 – $80
Dental Filling$10 – $50
Dental Extraction$10 – $50
Minor Oral Surgery$10 – $80
Blood Test$20 – $80
X-ray$5 – $30
CT Scan$20 – $100
MRI Scan$90 – $200
Ambulance Fee$10 – $50

*Figures are based on 2018 prices

Private Healthcare

Private healthcare is widely available, although at a slightly higher price-point due to the extra services rendered. A normal consultation at a private GP is from USD 30 and a bed at a private hospital is from USD $50 per day. Should there be an emergency, walk-ins at the accident and emergency (A&E) department start at USD 25 and ambulance fees start at USD 50.

In fact, another way to help you manage with healthcare costs would be to apply for a health insurance policy that can provide sufficient coverage for your lifestyle needs. Purchasing a health insurance card for private healthcare/hospitals can help you to focus on recovering and getting back to your routine.

The following table is an estimate of private healthcare costs.

Type of TreatmentPrice Range in USD*
Consultation Fee$10 – $60
Hospital Admission Fee$100 – $500
Ward Charges$20 – $100
Blood Test$10 – $50
X-ray$20 – $80
CT Scan$20 – $100
MRI Scan$250 -$400
Ambulance Fee$50 – $100

*Figures are based on 2018 prices

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