MediAsas: basic medical protection, made affordable.
MediAsas is Malaysia's standard medical insurance and takaful plan under the national RESET strategy by MOH, MOF and Bank Negara Malaysia. Standalone, not tied to investment, renewable yearly up to age 85.
We are an agency under AIA
MAD — Made A Difference is an agency under AIA Malaysia. Our team helps you understand MediAsas, compare Teras and Fleksi, and handle your application and claims from start to finish.
From ~RM40/month
Estimated monthly premiums range from RM40 to RM350 across the age bands shown, depending on age and plan.
Age 0 – 70 entry
Renewable annually until age 85 (age last birthday). No lifetime limit.
RM100k – RM300k
Annual limits: Teras RM100k (RM150k from age 60), Fleksi RM300k.
Pilot now, live 2027
Klang Valley pilot ran from end-July 2026; nationwide rollout January 2027.
Two plans: Teras and Fleksi
Both are available in conventional insurance and takaful versions.
MediAsas Teras
RM100,000 a year (RM150,000 from age 60)
- Pre-hospitalisation, hospitalisation and post-hospitalisation cover
- Selected outpatient treatments such as cancer and dialysis
- Cashless admission at MediAsas Preferred In-Network Providers
- Built-in cost-sharing (deductible/co-payment) to keep premiums stable
MediAsas Fleksi
RM300,000 a year
- Higher annual limit for bigger medical events
- Wider room and board / treatment flexibility than Teras
- Same renewability to age 85, no lifetime limit
- Suited to those replacing an expensive older medical card
Good to know before you apply
- • The "no look-back" protection only applies after 7 continuous years.
- • Premiums are not guaranteed and rise with your attained age.
- • Repricing needs at least 30 days' written notice before renewal.
MediAsas hospital list (Klang Valley)
MediAsas works through Preferred In-Network Providers, starting with selected Klang Valley private hospitals during the pilot and expanding nationwide in 2027. The official panel has not been published. The list below is unconfirmed and for guidance only.
Indicative list for guidance. Always confirm the current panel with your insurer or takaful operator before admission.
Frequently asked questions
The 10 questions we get asked most about MediAsas.
What is MediAsas?
Malaysia's standard medical insurance and takaful plan under the RESET strategy by MOH, MOF and Bank Negara Malaysia — basic hospital protection at an affordable price.
Who is eligible to apply?
Malaysians aged 0 to 70 can apply, and the policy is renewable yearly up to age 85.
How much is the monthly premium?
It depends mainly on your age and plan. Our indicative estimates range from about RM40 to RM350 per person per month across the age bands in the table above. Final premiums depend on the insurer or takaful operator and underwriting.
What is the difference between Teras and Fleksi?
Teras gives an annual limit of RM100,000 (RM150,000 from age 60). Fleksi gives RM300,000 a year with wider room and treatment flexibility.
Is there a takaful version?
Yes. Both plans are available in conventional insurance and Shariah-compliant takaful versions.
What are the waiting periods?
Standard waiting periods apply for certain illnesses. The 'no look-back' protection only starts after 7 continuous years of cover.
Which hospitals can I use?
Selected private hospitals in the Preferred In-Network Provider list — starting in the Klang Valley during the pilot and expanding nationwide in 2027.
Do I have to pay out of pocket when admitted?
Cashless admission is available at in-network hospitals, but there is built-in cost sharing such as a deductible or co-payment.
How do I apply through MAD?
Send us a WhatsApp message with your age and needs. Our registered agent will explain the options and process your application.
Not sure which plan fits you?
Send us your age and needs on WhatsApp and we'll walk you through Teras vs Fleksi, expected premiums, and the hospitals near you.
Message us on WhatsAppTypical response time: under 1 business day