How to Apply for MediAsas (2027): Where to Buy & What You Need
MediAsas (also spelled Medi Asas) is Malaysia's basic medical insurance and takaful plan. Here's who can apply today, where it's sold, and the steps from application to cover, based on Bank Negara Malaysia's official pilot FAQ.
Independent information from MHIT Healthcare Planning — not a government website. MediAsas has not yet launched nationwide. This page is not an offer to sell insurance or takaful.
Can you apply for MediAsas now?
- A pilot has been running in the Klang Valley since July 2026.
- During the pilot, applications are open to Malaysian citizens aged 16 to 70 with a valid MyKad.
- The nationwide launch is planned for January 2027. Permanent residents and foreigners residing in Malaysia are expected to be eligible from the national launch. The overall plan entry age is 0 to 70, renewable yearly up to age 85.
Where to buy MediAsas
MediAsas is sold through participating insurers and takaful operators. During the pilot, Bank Negara lists six:
- AIA Berhad
- Allianz Life Insurance Malaysia Berhad
- Etiqa Family Takaful Berhad
- Great Eastern Life Assurance (Malaysia) Berhad
- Prudential BSN Takaful Berhad
- Syarikat Takaful Malaysia Keluarga Berhad
The list of providers for the national launch has not been confirmed yet.
How to apply for MediAsas, step by step
Choose Teras or Fleksi
Teras has lower out-of-pocket costs per claim; Fleksi has a higher limit and lower premium but a much higher deductible, and can complement cover you already have.
Compare Teras vs Fleksi →Complete the health questionnaire
MediAsas is fully underwritten, so you must disclose your health honestly. A medical check-up is usually not required, but may be requested depending on what you disclose; if so, the insurer or takaful operator pays for it.
Wait for approval
Approval time varies; you'll be notified once the assessment is done.
Make your first payment
Cover only starts once your first payment is received. Premiums can be paid monthly.
See MediAsas premium by age →Note the waiting periods
Illnesses in the first 30 days aren't covered (accidents are), and specified illnesses have a 120-day waiting period.
What you need to apply
- Your MyKad (during the pilot)
- Your health information for the health questionnaire, including any pre-existing conditions
- A payment method for your first premium
Insurers may ask for additional documents depending on your application.
Things to know before you apply
- You can hold only one MediAsas plan (Teras or Fleksi) at a time, across all providers.
- During the pilot, you cannot switch MediAsas between insurers or takaful operators.
- Don't cancel an existing medical card before comparing benefits. MediAsas is a basic plan and your current card may cover more.
- Premiums are not guaranteed and can be revised with at least 30 days' written notice. There is a 30-day grace period for late payment.
Get help applying when MediAsas launches
Register your interest below and the MHIT Healthcare Planning team will send you launch updates, help you choose between Teras and Fleksi, and review your existing cover with you. No obligation.
MediAsas launch updates
Register your interest in the MediAsas launch.
Leave your details to receive news about the planned nationwide launch. This is not an insurance or takaful application.
- Official MediAsas launch updates
- No purchase or payment required
- Receive free quotation & explanation
How to apply for MediAsas: FAQ
Can I buy MediAsas online?
Purchase channels for the national launch haven't been announced yet. Register your interest and we'll update you when they are.
Can I apply for my child?
During the pilot, applications are for ages 16 to 70. The plan's entry age starts from 0, so children are expected to be eligible at the national launch.
Can foreigners or PRs apply?
Not during the pilot. They are expected to be eligible from the national launch.
I have employer medical benefits. Can I still apply?
Yes. Fleksi may suit you better as it complements existing cover.
Pilot details and planned nationwide launch terms are subject to change. Registration here is for information and launch updates, not an insurance or takaful application.