You saw the video. Here's everything — what's confirmed, what's NOT confirmed, and the 5 things to check before you cancel anything or buy anything. Written in plain language by a licensed advisor. 不确定的我们直说 · Yang belum pasti, kami cakap terus terang.
Starts from ~RM60/month at younger entry ages, up to ~RM550/month for older entry. Join at age 70 or below. These are indicative — not a final price list.
MediAsas Teras = standard base plan. MediAsas Fleksi = "standard-plus" with more flexibility. Both are standalone products.
Coverage runs up to age 85 — meaningful for seniors who currently struggle to stay insured.
Six insurers and takaful operators plus selected private hospitals, under the government's JBMKKS healthcare reform committee. An independent governance board is planned.
Six insurers + selected private hospitals test MediAsas. Real benefit details and pricing emerge during this phase.
Benefits, limits, ward class, co-payments, exclusions — the stuff that actually matters — gets confirmed here.
All Malaysians can sign up, including here in Penang. That's your real decision date — months away. No rush.
❌ Final premium rates (RM60 is "expected from around", not a price list) · ❌ Exact benefits, annual limits, ward class, deductibles & co-payments for Teras vs Fleksi · ❌ Which six insurers and which hospitals · ❌ Whether or how existing policyholders can switch · ❌ Viral claims like "340,000 policies cancelled" — unverified · ❌ "Government insurance replaces my medical card" — coverage scope not published. Anyone quoting these as fact is guessing.
Screenshot this. It works for your current medical card today, and for MediAsas when the details drop.
What ward class does it pay for? A plan that covers RM150/night when private hospitals charge RM400+ means you top up the difference — and often a proportional share of the whole bill.
One major surgery + ICU stay can cross RM100k. Check the yearly cap AND the lifetime cap. "Basic" plans usually cap low — that's what asas means.
Does the plan make you pay the first RM500–RM2,000, or a % of every bill? Lower premium almost always = more cost-sharing when you claim. Know the number BEFORE you're in a hospital bed.
Pre-existing conditions, specified illnesses (usually 120 days), general waiting period (usually 30 days). This is where switching hurts: your new plan's waiting clock restarts from zero.
Can the insurer decline to renew you after a big claim? Until what age? Your current card's renewal terms may be a benefit you can never get back once you cancel — especially if your health has changed.
Do NOT cancel on a headline. If your health has changed since you bought it, cancelling can be irreversible — insurers can reject you or exclude pre-existing conditions later. First know exactly what you own: send your policy for a free line-by-line review (any insurer). Then compare properly when MediAsas details drop.
Get My Free Policy ReviewMediAsas is genuinely good news for you. RM60 protection beats zero protection — seriously. Your move: get claim-ready before January 2027 (know your budget, your family's medical history, and what Teras vs Fleksi offers when published). Or check what full protection costs you today — it may be more affordable than you think.
Help Me Get ReadyLeave your number — when MOF publishes the real benefits & prices (pilot phase, Jul–Oct), Keith sends you one honest summary. No spam, no daily messages.
When the government announced MediAsas on 6 July 2026, two very different groups saw the same RM60 headline. Uninsured Malaysians finally saw protection they can afford — that's genuinely worth celebrating. But insured Malaysians started asking a dangerous question: "should I cancel my RM250–400 medical card and switch?"
Here's the honest answer from someone who has facilitated RM 4 million+ in actual claims: nobody — including any advisor, any agent, and any TikTok video — can responsibly answer that yet, because the benefits, limits and exclusions haven't been published. Anyone pushing you to switch now, or scaring you into staying, is guessing. The only smart move available today is to understand exactly what you currently own, so that when the real MediAsas details drop, your comparison takes 10 minutes instead of a panicked guess.
Real. It was announced by the Ministry of Finance on 6 July 2026 under the JBMKKS healthcare reform committee, reported by The Star, The Edge, FMT and Bernama-linked outlets. But beware of scammers exploiting the news — MediAsas is NOT open for sign-up yet, so anyone selling "MediAsas registration" today is a scam. It pilots in the Klang Valley end-July, nationwide January 2027.
Don't decide on a headline. The benefits and exclusions aren't published, and cancelling can be irreversible — if your health has changed, insurers can decline you or exclude pre-existing conditions when you try to come back. Get your current policy reviewed first (free, any insurer), then compare when official details drop.
It depends on your health, age and budget — waiting has a real risk too: if your health changes before January 2027, options narrow everywhere. RM60 protection beats zero protection, but zero protection until 2027 is still zero protection. Message Keith with your age and situation for an honest take — sometimes the answer really is "wait for MediAsas".
RM60 is the expected starting point for younger entry ages — it climbs with entry age, up to around RM550/month. Whether and how premiums adjust over time hasn't been announced. The Finance Minister II said it's "designed to be affordable over time" — the mechanics will only be clear after the pilot.
可以! Boleh! Message Keith on WhatsApp and the whole conversation — plus the policy review — can be in English, 中文 or Bahasa Malaysia.
Whether you're team cancel, team keep, or team "finally can afford insurance" — know your numbers first. Free, honest, in English / 中文 / BM. Penang & all Malaysia.
WhatsApp Keith NowGet the Free Policy ReviewLast updated 12 July 2026 · Facts sourced from the Ministry of Finance announcement (6 Jul 2026) and reporting by The Star, The Edge Malaysia & FMT · This page will be updated as official MediAsas details are published.