Health Insurance in Malaysia

Moving to Malaysia means embracing a unique lifestyle, balancing modernity and tradition. As an expatriate, it is essential to protect yourself against unexpected health issues. Having good health insurance that suits your needs is key to living peacefully in this Southeast Asian country.

What health insurance for expatriates in Malaysia?

The health insurance system in Malaysia

The Malaysian healthcare system is based on two pillars: public and private. While public hospitals are accessible to expatriates, most of them prefer the private sector due to the quality of care and shorter waiting times. Private facilities are often well-equipped, with standards comparable to those in Western countries. However, these services can be costly, making adequate health insurance a must.

Good to know: Public hospitals are mainly funded by the government, which explains their low cost. However, the language barrier and long waiting lines can make the experience less comfortable for expatriates.

Choosing health insurance in Malaysia: local or international?

Expatriates in Malaysia have two options: local health insurance or international health insurance.

• Local health insurance: Local insurance can cover healthcare costs in private facilities across the country. It is usually more affordable than international insurance, but coverage is often limited to medical care within Malaysia.

• International health insurance: For expatriates who travel frequently or prefer access to healthcare in multiple countries, international insurance is a better option. It offers broader coverage both in Malaysia and abroad, and can include benefits such as repatriation or access to specific high-quality facilities.

Good to know: If you have international insurance, ensure that private healthcare services in Malaysia are covered and that you have sufficient coverage in case of repatriation.