MediAsas Premium by Age (2027 Estimates)
MediAsas (also written Medi Asas) is the basic medical insurance and takaful plan introduced under a Malaysian government initiative. A pilot began in the Klang Valley in July 2026, and a nationwide rollout is planned for January 2027. One of the most common questions we hear is simple: how much will MediAsas cost each month?
Official premium tables have not been published yet. This guide brings together the indicative monthly estimates already shown on our homepage, explains what is likely to affect the amount you pay, and compares the two plan options, Teras and Fleksi. Use it as a starting point for planning your household budget, not as a quotation or a price offer.
Because the figures are estimates, they may change when the plans officially launch. We will keep this page updated, and you can register your interest below to be notified as soon as final premiums are confirmed.
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.
MediAsas premium examples
These examples use the estimated age-band figures from the table above. Yearly amounts are simply the monthly estimate multiplied by 12.
25-year-old
Age band 18–30
MediAsas Teras
Monthly: RM65–RM95
Yearly: RM780–RM1,140
MediAsas Fleksi
Monthly: RM45–RM65
Yearly: RM540–RM780
35-year-old
Age band 31–40
MediAsas Teras
Monthly: RM80–RM120
Yearly: RM960–RM1,440
MediAsas Fleksi
Monthly: RM50–RM70
Yearly: RM600–RM840
45-year-old
Age band 41–50
MediAsas Teras
Monthly: RM120–RM180
Yearly: RM1,440–RM2,160
MediAsas Fleksi
Monthly: RM85–RM125
Yearly: RM1,020–RM1,500
55-year-old
Age band 51–60
MediAsas Teras
Monthly: RM175–RM260
Yearly: RM2,100–RM3,120
MediAsas Fleksi
Monthly: RM130–RM190
Yearly: RM1,560–RM2,280
Figures are estimates based on published pilot information. Final premiums are set by participating insurers at launch.
Monthly vs yearly payment
Paying monthly spreads the cost into smaller amounts, which can be easier on a household budget. Paying yearly means one larger payment, but you don't need to remember a payment every month and your cover is settled for the year.
The available payment options and any difference in price between them have not been announced yet. If your income is monthly, a monthly payment is usually the simpler choice; if you prefer to set and forget, yearly may suit you better once the options are confirmed.
How co-payment affects your premium
Every plan balances two things: what you pay each month and what you pay yourself when you claim. The more you agree to pay yourself at claim time, the lower your monthly premium.
Teras has a low deductible of about RM500, so you pay little out of pocket when admitted, but the monthly premium is higher. Fleksi has a much higher deductible of about RM10,000–RM15,000, so the monthly premium is lower, but you carry more of a hospital bill yourself. The pilot plans also include cost-sharing terms, which will be confirmed at launch.
In short: choose Teras if you want smaller, predictable costs when you claim; consider Fleksi if you want a lower premium and a higher annual limit and can cover a larger deductible.
What affects your MediAsas premium
Based on the published pilot information, several factors shape what you are likely to pay. Understanding them helps you compare the two plans on more than price alone.
Your age
Age is the biggest driver in the estimates. Premiums rise steadily from the 0–17 band to the 66–70 band, reflecting the higher likelihood of hospital treatment as we get older. Entry age is 0 to 70, and cover is renewable annually until age 85 (age last birthday), so your premium is expected to move into a higher band as you grow older.
Your plan choice: Teras or Fleksi
Teras has an annual limit of RM100,000 (RM150,000 from age 60) and a lower deductible of about RM500. Fleksi has a higher annual limit of RM300,000 but a much higher deductible of about RM10,000–RM15,000. The higher deductible is the main reason the Fleksi estimate is lower.
Deductible and cost sharing
A deductible is the amount you pay yourself before the plan starts paying for a claim. The pilot plans also include cost-sharing terms. In general, a plan where you carry more of the cost per claim has a lower premium, while a plan with smaller out-of-pocket costs has a higher premium.
Annual limit
The annual limit is the maximum the plan pays for covered treatment in a year. Teras and Fleksi have different limits, and the limit for Teras increases from age 60. Higher limits and lower deductibles both affect how the premium is priced.
Final pricing at launch
Final premiums will be set by the participating insurers and takaful operators when MediAsas launches. Conventional insurance and takaful versions are both expected to be available, and the final figures may differ from these estimates.
Teras or Fleksi: which costs less?
On a monthly basis, Fleksi is estimated to cost less than Teras at every age band. For example, for ages 31–40 the estimate is RM50–RM70 a month for Fleksi compared with RM80–RM120 for Teras.
However, a lower monthly premium does not always mean lower total cost. If you are admitted to hospital, Fleksi's deductible of about RM10,000–RM15,000 means you pay much more yourself before the plan pays. Teras, with a deductible of about RM500, costs more each month but leaves you with smaller out-of-pocket costs per claim.
Teras generally suits people who want predictable, lower costs when they claim. Fleksi may suit people who want a higher annual limit and can manage a larger deductible, for example alongside employer medical benefits.
Compare Teras and Fleksi plan details →Compare Teras vs Fleksi side by side →MediAsas premium FAQ
How much is MediAsas per month?
Official premiums have not been published. Our indicative estimates range from about RM40 to RM460 a month depending on age and plan, for example RM60–RM85 for Teras and RM40–RM60 for Fleksi at ages 0–17.
Does MediAsas premium increase with age?
Yes, based on the estimates. Each older age band has a higher estimated premium, from RM60–RM85 (Teras) and RM40–RM60 (Fleksi) at ages 0–17 up to RM380–RM460 (Teras) and RM300–RM370 (Fleksi) at ages 66–70. Cover is renewable until age 85, so expect your premium to move up a band as you get older.
Can I pay MediAsas monthly?
Our estimates are shown as monthly amounts, but the official payment options (monthly, yearly or others) have not been announced yet. They will be confirmed at launch.
Is MediAsas cheaper than a normal medical card?
MediAsas is designed as an affordable basic plan, with estimates starting from about RM40 a month. A normal medical card usually offers wider cover and higher limits, so it often costs more. Compare the benefits as well as the price before deciding.
When will final MediAsas premiums be confirmed?
Final premiums are expected to be confirmed by the participating insurers and takaful operators at the nationwide launch, planned for January 2027. Register your interest to be notified.
Why is Fleksi cheaper than Teras?
Fleksi has a higher annual limit but a much higher deductible of about RM10,000–RM15,000, compared with about RM500 for Teras. Because you pay more yourself per claim, the estimated premium is lower.
Is this page a quotation?
No. The figures are indicative estimates for reference only. They are not a quotation, price offer or guarantee of eligibility or coverage.
Get notified when final premiums are confirmed
Register your interest and we will contact you with launch updates and a free explanation of your options. No purchase or payment required.
How to apply →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.
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