Since the Malaysian government does not offer a national medical insurance program, buying private medical and life insurance is a must. Medical insurance is usually provided by employers; however, you may need your own additional health insurance to provide better coverage. Health insurance coverage should cover common ailments, doctor’s consultations, hospital fees, and prescription medication. You can choose a medical insurance policy that protects you and your loved ones with flexible plans that consider rising medical costs throughout your lifetime.
Medical insurance covers patients for both public and private hospital visits, meaning whichever you prefer for treatment can be covered. However, private hospitals will still charge more than public ones. So only the portion of the cost stipulated within the insurance can be reimbursed, since private clinics require payments up front. Get health insurance that guarantees easy admission to a large number and variety of hospitals.
