KUALA LUMPUR — The Joint Ministerial Committee on Private Healthcare Costs (JBMKKS) has officially introduced MediAsas—formerly designated as the Base MHIT Plan—a government-standardized medical insurance and takaful framework aimed at capping runaway healthcare inflation and expanding private coverage.
The initiative, co-led by the Ministry of Finance and Ministry of Health, enters a pilot testing phase in the Klang Valley from late July through October 2026, ahead of its planned nationwide rollout in January 2027.
Standalone Tiers and Premium Indicatives
Offered as a standalone medical protection product unbundled from investment or life policies, MediAsas will be available in two tiers,
- MediAsas Teras – A standardized core protection package featuring a baseline RM100,000 annual limit (increasing to RM150,000 for individuals over age 60).
- MediAsas Fleksi – An enhanced coverage tier offering higher policy limits and additional outpatient or deductible options.
Entry-level monthly premiums are indicatively priced between RM60 and RM550, determined by entry age, policy option, and risk profile. Enrollees up to age 70 are eligible to join, with guaranteed coverage renewable through age 85.
Six primary insurers and takaful operators are participating in the pilot: AIA, Allianz Life, Great Eastern Life, Prudential BSN Takaful, Etiqa Family Takaful, and Syarikat Takaful Malaysia Keluarga.
Structural Reforms and Cost Containment
MediAsas is designed to alleviate severe congestion in public tertiary hospitals by establishing a sustainable private care pathway for middle-income households. To control overutilization and keep long-term premiums predictable, the scheme incorporates tiered co-payment structures.
Finance Minister II Datuk Seri Amir Hamzah Azizan noted that MediAsas establishes a transparent baseline for national health financing reforms, while Health Minister Datuk Seri Dr. Dzulkefly Ahmad highlighted that the scheme coincides with the gradual introduction of the Diagnosis-Related Groups (DRG) fixed-reimbursement system across private hospitals to curb medical fee inflation.
