Insurance - New
It is compulsory for every student entering Malaysia to have a medical insurance. All international students must be covered by a locally purchased medical health insurance scheme. You will be insured from the date you enter Malaysia if you inform your institution of the date as soon as you arrive.
An international student, through his/her educational institution, can opt to either one of the following Medical Insurances offered by
-
Etiqa Family Takaful Berhad (EFTB)
-
Great Eastern Takaful Berhad (GETB)
- The Pacific Insurance Berhad (TPIB)
The insurance package provided meets the minimum coverage requirements set out by the Ministry of Higher Education (MOHE).
(Insurance premium per annum in Ringgit Malaysia)
| Plan 1 | |
| Maximum limit per disability | RM20,000 |
| Foreign Students Aged ≥ 18 but ≤ 64 | RM468 |
| Deductible amount per GP visit | NA |
| Plan 2 | |
| Maximum limit per disability | RM30,000 |
| Foreign Students Aged ≥ 18 but ≤ 64 | RM509 |
| Deductible amount per GP visit | NA |
| Plan 3 | |
| Maximum limit per disability | RM50,000 |
| Foreign Students Aged ≥ 18 but ≤ 64 | RM578 |
| Deductible amount per GP visit | NA |
(Insurance premium per annum in Ringgit Malaysia)
| Basic | |
| Maximum limit per disability | RM20,000 |
| Foreign Students Aged ≥ 16 but ≤ 70 | RM489 |
| Deductible amount per GP visit | RM25 |
| Regular | |
| Maximum limit per disability | RM30,000 |
| Foreign Students Aged ≥ 16 but ≤ 70 | RM591 |
| Deductible amount per GP visit | RM25 |
| Premium | |
| Maximum limit per disability | RM50,000 |
| Foreign Students Aged ≥ 16 but ≤ 70 | RM692 |
| Deductible amount per GP visit | RM25 |
| Note: |
| Deductible for this product is per GP visit, and shall mean Takaful Operator will reimburse the total eligible expenses incurred for all insured benefits in excess of the Deductible, and subject to Overall Annual GP Limit. |
| Example: |
| Student A participated in Basic Plan, and visited to clinic, with total eligible claim expenses incurred of RM200. |
|
| Subsequently, within same certificate/coverage year, Student A visited to clinic again, with total eligible claim expenses incurred of RM400. |
|
(Insurance premium per annum in Ringgit Malaysia)
| Silver | |
| Maximum limit per disability | RM20,000 |
| Foreign Students Aged ≥ 16 but ≤ 60 | RM475 |
| Deductible amount per outpatient visit | RM25 |
| Gold | |
| Maximum limit per disability | RM30,000 |
| Foreign Students Aged ≥ 16 but ≤ 60 | RM837 |
| Deductible amount per outpatient visit | RM50 |
| Platinum | |
| Maximum limit per disability | RM50,000 |
| Foreign Students Aged ≥ 16 but ≤ 60 | RM978 |
| Deductible amount per outpatient visit | RM50 |
| HOW DEDUCTIBLE WORKS? |
| If you participate in Plan EMGS200 with RM25.00 deductible, how it works? |
| You are required to pay RM25.00 of the eligible medical expenses incurred for each disability / outpatient visit. Insurer will pay the balance of the eligible expenses after deducting the first RM25.00 |
| Example 1: Hospitalisation expenses |
|
| Example 2: Outpatient expenses |
|
EDUCATIONAL INSTITUTIONS
Education institutions in Malaysia are permitted to organize 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 MOHE. 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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