KUALA LUMPUR — The Federal Government has introduced “MediAsas,” a new medical insurance scheme designed to provide affordable private medical protection to ordinary Malaysians.
Brought under the country’s broader healthcare restructuring framework, the new insurance policy will operate via a two-tiered structure consisting of MediAsas Teras—a basic foundational coverage plan—and MediAsas Fleksi, an upgraded option featuring additional healthcare benefits.
Three-Month Pilot to Debut in Klang Valley
To test operational efficiency before a full national scale-up, an initial pilot phase will launch at the end of this July and run through October 2026 across the Klang Valley. The introductory rollout will integrate six of the country’s leading insurance companies alongside a network of selected private hospitals.
Monthly premium costs for the MediAsas scheme are expected to range from RM60 to RM550. The policy is structurally designed to be accessible to a wide demographic, allowing individuals up to 70 years of age to enroll, while securing critical private medical protection for policyholders up to the age of 85.
DRG Billing System to Check Private Hospital Charges
In tandem with the insurance launch, the government is moving to stabilize operational expenditures within private medicine. Health Minister Datuk Seri Dr. Dzulkefly Ahmad confirmed that a new Diagnosis-Related Groups (DRG) Billing System will be progressively implemented across participating facilities. The system is engineered to keep private hospital treatment fees strictly under control while balancing overall insurance expenditures.
Insights and metrics gathered from the Klang Valley pilot phase will be used to further streamline and refine insurance procedures. Following the conclusion of the testing window, the MediAsas framework is scheduled to come into full force nationwide starting January 2027.
