Medical Insurance
Medical Insurance
Malaysia does not have a national health insurance system like Japan, so individuals must purchase their own private insurance.
Public hospitals have low treatment costs but are crowded with locals and medical standards may not meet expectations. Private hospitals operate as businesses and require high deposits for emergencies if you don’t have insurance. Insurance is essential for hospitalization and surgery in Malaysia. A valid Malaysian visa is required to purchase medical insurance.
– Tokio Marine Insurance Malaysia –
Premier Medic Partner
- Recommended for those applying for Student Visa or Guardian Visa.
- Affordable annual renewal medical insurance.
- Choose from 4 plans based on daily room rate and coverage limits:
Plan Name PM500 PM350 PM230 PM160 Daily Room Rate RM500 RM350 RM230 RM160 Overall Limit RM120,000 RM85,000 RM60,000 RM40,000
- Room charges for hospitalization due to illness or accident are covered up to your plan’s daily room limit.
- Room and ICU charges are covered with unlimited days.
- In-hospital doctor visits: One visit per day covered during hospitalization (up to 150 days total).
- Pre-hospitalization diagnostic tests: Covered for tests within 31 days before hospitalization.
- Second opinion from specialist within 31 days before hospitalization is covered.
- Post-discharge treatment: Follow-up treatment at the same facility covered up to 60 days after discharge.
- Covers injuries from amateur sports and leisure activities.
- No health declaration required at renewal.
- No gender-based premium differences.
- Enrollment age: 30 days old to the day before 65th birthday.
- Renewable up to age 100.
For details, Click Here
- We send application form via email
- Submit application form, passport photo page, and valid Malaysian visa page via email (no original documents required) *For student visa applications, also submit school offer letter
- Review by Tokio Marine Insurance Malaysia (approximately 1-2 weeks)
- Medical examination at designated hospital/clinic (at your expense) *May be waived depending on age/medical history
- Term Letter issued by Tokio Marine Insurance Malaysia
- Sign and submit Term Letter. Pay premium (credit card or bank transfer)
- Policy issuance (within 1 week of payment)
- Medical card issuance (approximately 1 month after policy)
*For student visa applications, submit visa page after obtaining visa.
*Allow approximately 1 month from application to policy issuance. Medical examination may be required depending on review. Please apply with adequate time for visa applications.
– HongLeong Assurance –
MediStarter Rider
- Recommended for long-term residents in Malaysia.
- Comprehensive coverage up to RM1,000,000 per year for high medical expenses.
- No lifetime claims limit.
- Daily room rate: RM180, up to 150 days. (1) If room costs less than RM180, 80% of difference paid as allowance. (2) RM50 room coverage added every 10 years (up to 3 times).
- Pre-hospitalization: Outpatient costs covered for 90 days before hospitalization.
- Post-discharge: Outpatient treatment covered for 90 days after discharge. Traditional Chinese medicine and chiropractic: up to RM180 per visit, max RM10,000/year.
- Premiums vary by gender.
- Enrollment age: 30 days old to 70th birthday.
- Renewable up to age 99.
- If no claims for 12 months (18 months for first time), 15% of premium refunded to designated account.
For details, Click Here (English version)
- HongLeong insurance representative explains coverage at our office (or via Zoom)
- Submit application form, passport photo page, and valid Malaysian visa page via email (no original documents required)
- Review by HongLeong Insurance (approximately 3 days)
- Medical examination at designated clinic (at HongLeong’s expense) *May be waived depending on age/medical history
- Pay premium (credit card or bank transfer)
- Policy issuance (within 2 weeks of payment)
- Medical card issuance (approximately 1 month after policy)
For more information, please contact any of our branches:
Kuala Lumpur / Penang: infokl@tpcl.jp (Hong)
Johor Bahru: infojb@tpcl.jp (Pong)