# MediAsas: Affordable Medical Insurance for Malaysians

> Malaysians can switch to MediAsas, a basic medical insurance plan, starting January 2027 with budget incentives.
- Title: MediAsas: Affordable Medical Insurance for Malaysians
- Summary: Malaysians can switch to MediAsas, a basic medical insurance plan, starting January 2027 with budget incentives.
- Keywords: mediasas, basic medical insurance, takaful plan, budget 2027, epf savings, sme premium subsidy, rm40 million allocation, tax relief, rm100,000 coverage, rm150,000 coverage, standard-plus option, deductible
- Source: Malay Mail — https://malaymail.com/news/malaysia/2026/11/13/mediasas-what-malaysians-need-to-know-about-the-new-basic-medical-insurance-plan/242126
- Author: Soo Wern Jun
- Published: 2026-11-13T07:00:00+00:00
- Read time: 2 min
- Topics: mediasas, basic medical insurance, takaful plan, budget 2027, epf savings, sme premium subsidy, rm40 million allocation, tax relief, rm100,000 coverage, rm150,000 coverage, standard-plus option, deductible
## What is MediAsas?
MediAsas is a voluntary medical insurance and takaful plan launching nationwide in January 2027.
## Who can switch to MediAsas?
Existing medical insurance policyholders can switch to MediAsas without new underwriting or waiting periods.
## How does MediAsas work?
MediAsas offers a standardised package with annual coverage limits of RM100,000 for most users, rising to RM150,000 for those aged 61 and above.
## What makes MediAsas affordable?
MediAsas uses a tiered co-payment system with deductibles up to RM1,000 for those aged 61 and above, and a 20% co-payment for out-of-network hospitals.
## Budget 2027 financial assistance
Budget 2027 offers EPF savings usage, SME premium subsidies, RM40 million allocation, and tax relief for MediAsas premiums.
## Who is eligible?
MediAsas targets Malaysians without employer-provided insurance or those struggling with rising premiums due to medical costs.
## When can Malaysians sign up?
MediAsas launches nationwide in late January 2027 after a pilot program in the Klang Valley from July to October 2026.
## Standard-Plus option
A Standard-Plus option offers RM300,000 coverage with a higher deductible of RM10,000 to RM15,000 for those seeking more extensive protection.
## Diagnosis-Related Group system
MediAsas will adopt the Diagnosis-Related Group payment system to fix hospital costs per patient episode.
## SME premium subsidy details
The government subsidizes RM200 of the first-year premium for each eligible SME employee under 55, capped at 50 employees per company.
## Tax relief for MediAsas
Premiums for MediAsas coverage qualify for income tax relief for individuals and their immediate family members.
## Coverage limits
MediAsas covers common medical treatments including hospital room and board, surgical procedures, medication, and selected outpatient treatments.
## When will MediAsas be available?
MediAsas will be available nationwide starting late January 2027 after a six-month pilot program in the Klang Valley.
## What is the purpose of MediAsas?
MediAsas aims to provide affordable basic medical insurance to Malaysians who cannot afford conventional insurance due to rising premiums.
## Key takeaway

Malaysians can switch to MediAsas, a basic medical insurance plan, starting January 2027 with budget incentives to lower costs.