MediAsas Teras vs Fleksi: Side-by-Side Comparison
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. Under the published pilot information, there are two plan options: MediAsas Teras and MediAsas Fleksi.
Both plans are standalone basic medical cover without an investment component, and both are open to people aged 0 to 70 at entry, renewable annually up to age 85. The real difference lies in how costs are shared between you and the plan: how much you pay yourself before the plan pays, how much the plan will pay in a year, and how much the monthly premium is estimated to be.
This guide puts the two plans side by side using only the figures already published on our site, walks through a simple hospital bill example, and explains who each plan may suit. It is educational information, not advice, a quotation or a price offer. All figures are based on pilot information and may change at the official launch.
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.
Teras vs Fleksi at a glance
The key differences between the two pilot options, based on publicly announced information.
| Feature | MediAsas Teras | MediAsas Fleksi |
|---|---|---|
| Deductible | About RM500 (RM50 per selected outpatient visit) | About RM10,000–RM15,000 a year |
| Annual limit | RM100,000 (RM150,000 from age 60) | RM300,000 |
| Estimated premium range | About RM60–RM460 a month, by age | About RM40–RM370 a month, by age |
| Cost sharing | Applies under pilot terms; smaller out-of-pocket cost per claim | Applies under pilot terms; you carry more cost before the plan pays |
| Hospital access | Preferred hospital network | Preferred hospital network |
| Entry age / renewal | 0–70 / up to age 85 | 0–70 / up to age 85 |
Premium ranges are indicative estimates for reference only. Final premiums will be updated once officially confirmed.
Choose Teras if…
- You want predictable, smaller out-of-pocket costs when you are admitted to hospital, with a deductible of about RM500.
- You do not have employer medical benefits or other cover that could help pay a large deductible.
- You prefer paying a little more each month in exchange for less financial shock when you claim.
- You are older or expect to use hospital or selected outpatient care more often, where a low deductible matters more.
- An annual limit of RM100,000, rising to RM150,000 from age 60, feels sufficient for basic protection.
Choose Fleksi if…
- You want a higher annual limit of RM300,000 for larger hospital bills.
- You can comfortably manage a deductible of about RM10,000–RM15,000 from savings if you need treatment.
- You already have employer medical benefits and want MediAsas as a backup for bigger claims.
- You want the lower estimated monthly premium and are mainly concerned with protecting against serious, high-cost events.
- You are younger, healthy and rarely claim, and understand you will pay most small bills yourself.
Worked example: a RM20,000 hospital bill
To see how the deductible changes what you pay, imagine an eligible hospital stay with a total bill of RM20,000, within the annual limit of both plans. For simplicity, this example only applies the deductible and ignores any other cost-sharing terms.
MediAsas Teras
- Total bill: RM20,000
- You pay the deductible: about RM500
- Plan pays the balance: about RM19,500
You pay about RM500
MediAsas Fleksi (RM10,000 deductible)
- Total bill: RM20,000
- You pay the deductible: RM10,000
- Plan pays the balance: about RM10,000
You pay about RM10,000
MediAsas Fleksi (RM15,000 deductible)
- Total bill: RM20,000
- You pay the deductible: RM15,000
- Plan pays the balance: about RM5,000
You pay about RM15,000
In this example Teras leaves you with a much smaller bill, even though its monthly premium is higher. Fleksi becomes more valuable for very large bills above RM100,000, where its higher annual limit of RM300,000 matters. Actual amounts depend on cost sharing, eligibility and final policy or certificate terms.
Teras vs Fleksi FAQ
What is the main difference between Teras and Fleksi?
Teras has a lower deductible of about RM500 and an annual limit of RM100,000 (RM150,000 from age 60). Fleksi has a higher annual limit of RM300,000 but a much higher deductible of about RM10,000–RM15,000.
Why is Fleksi's premium lower than Teras?
Because you pay much more yourself before the plan pays a claim. The higher deductible lowers the estimated premium.
Which plan is better for older people?
It depends on your situation. Teras has a lower deductible and its annual limit rises to RM150,000 from age 60, which may suit people who expect to claim more often. Fleksi may suit those who can manage a large deductible.
Can I use Fleksi alongside employer medical benefits?
Fleksi may be considered alongside employer medical benefits. Compare your employer cover carefully, especially what happens if you change or leave your job.
Are these figures final?
No. All figures are based on published pilot information and indicative estimates. They may change when MediAsas officially launches nationwide, planned for January 2027.
Figures are estimates based on published pilot information. Final premiums are set by participating insurers at launch.
Source: BNM MediAsas Pilot FAQ (PDF)Not sure which plan suits you?
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