Insurance

It is compulsory for every student entering Malaysia to have medical insurance. You will be insured from the date you enter Malaysia if you inform your institution of the date as soon as you arrive.

All international students must be covered by a locally purchased medical health insurance scheme. An international student, through his/her educational institution, can opt to purchase Medical Insurance offered by:


(1) EMGS


EMGS offers 2 Medical Insurance providers; AIA and AXA.

AIA provides 3 types of insurance packages (Silver, Gold and Platinum), while AXA provides 4 types of insurance packages (AXA-450, Silver, Gold and Platinum). All of the insurance packages provided meet the minimum coverage requirements set out by the Ministry of Education (MOE)

Packages for International Students
(Insurance premium per annum in Ringgit Malaysia)
Silver
Maximum limit per disability RM20,000
Foreign Students Aged ≥ 16 but ≤ 60 RM400

Gold
Maximum limit per disability RM30,000
Foreign Students Aged ≥ 16 but ≤ 60 RM710

Platinum
Maximum limit per disability RM50,000
Foreign Students Aged ≥ 16 but ≤ 60 RM830

More details about the Packages and Insurance Premiums Information available Here.


Packages for International Students
(Insurance premium per annum in Ringgit Malaysia)
AXA-450
Maximum limit per disability RM20,000
Foreign Students Aged ≥ 12 but ≤ 60 RM450
Foreign Students Aged > 60 but ≤ 65 RM450

Silver
Maximum limit per disability RM20,000
Foreign Students Aged ≥ 12 but ≤ 60 RM500
Foreign Students Aged > 60 but ≤ 65 RM2150

Gold
Maximum limit per disability RM30,000
Foreign Students Aged ≥ 12 but ≤ 60 RM750
Foreign Students Aged > 60 but ≤ 65 RM2800

Platinum
Maximum limit per disability RM50,000
Foreign Students Aged ≥ 12 but ≤ 60 RM850
Foreign Students Aged > 60 but ≤ 65 RM3800

The pricing of the current insurance premiums for all 3 insurance packages is valid until 31 January 2017.


More details about the Packages and Insurance Premiums Information available Here.



(2) Educational Institutions


Education institutions in Malaysia are permitted to organise directly/indirectly with insurance companies to offer Medical and Health Insurance to international students, provided such Medical Insurance meets the requirements set out by the MOE.

In this case, kindly contact the institution for details regarding the packages offered and insurance premiums applicable.


INSURANCE TOP-UP


Students are reminded that it is compulsory for them to have a valid medical insurance plan throughout the period of study. International students whose medical and health insurance cover period expires prior to the expiry of their existing student pass are required to top up/extend their insurance. This top up/extension should be sufficient to cover the period up to the expiry of their existing student pass or a maximum of 12 months from the insurance start date, whichever is lower.

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