6 Best Medical Cards in Malaysia 2023

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Medical inflation in Malaysia has consistently risen by 10% - 15% every year. While the cost of hospitalization is gradually increasing every year, the minimum wage is still stagnant; making it even more difficult to afford medical treatment with your hard-earned money.

When seeking for affordable medical treatment, government hospital comes on top of our minds as it is cheap and accessible by all. However, one can find the length and time of queuing at government hospitals is intolerable. 

At private hospitals, you can expect to be admitted in no time and receive high quality services from the moment you walked in until the clean bill of health is issued. However, this comes at a hefty price.

That is not all, private hospitals will usually require you to have a medical card insurance before you can admit yourself for a treatment.

Private hospitals in Malaysia will normally require a deposit, medical card insurance or guarantee letter from your employer before they admit you.  If you have a medical card, most private hospitals will accept admission without the deposit (cashless admission), after receiving the guarantee letter from the medical insurance company.

best medical card malaysia

If you do not have a medical card, you might want to consider having one. Given the options available, it's not easy to decide which of these to choose from.

We take a look at the most popular medical cards in Malaysia and try to assist you in deciding which gives you the best value.

Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia.

Best Medical Cards in Malaysia

Here is the list of best medical cards in Malaysia:

1. AIA Medical Card Malaysia

AIA medical card

WEBSITE: www.aia.com.my
ADDRESS: Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur 
CONTACT DETAILS: 1300-88-1899
OPERATING HOURS: Mon-Fri 8:30am-4:30pm 

AIA A-Plus Health Medical Card

Room & Board: up to RM500
Annual Limit: up to RM2m
Lifetime Limit: No limit

AIA A-Plus Med Medical Card

Room & Board: up to RM500
Annual Limit: up to RM260k
Lifetime Limit: No limit

AIA A-Life Med Regular Medical Card

Room & Board: up to RM250
Annual Limit: up to RM150k
Lifetime Limit: Not applicable

AIA Med Basic

AIA Med Basic provides you with coverage for medical treatment and hospitalisation at an affordable and cheap price. This plan is suitable for you if you are looking for basic medical coverage. You can purchase AIA Med Basic directly online and be protected immediately.

This plan is only available for Malaysian citizens residing in Malaysia.

This plan is commission-free and no intermediaries are involved in the sales or marketing of AIA Med Basic.

Room & Board: Reimbursement up to RM100 per day for your room and board for a maximum of 120 days per year.
Annual Limit: The maximum eligible medical expenses payable by AIA is RM20,000 annually
Lifetime Limit: up to RM80,000

2. Prudential Medical Card Malaysia

prudential medical card


WEBSITE: www.prudential.com.my
ADDRESS: Ground Floor, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur
CONTACT DETAILS: 03 2116 0228
OPERATING HOURS: Mon-Fri 8:30am – 5:15pm

Prudential PRUValue Med Medical Card (Rider)

Room & Board: up to RM600
Annual Limit: Not applicable
Lifetime Limit: Not applicable

Prudential PRUMillion Med Medical Card (Rider)

Room & Board: up to RM500
Annual Limit: up to RM2m
Lifetime Limit: Not applicable

Prudential PRUsenior med Medical Card

Room & Board: from RM200
Annual Limit: Not applicable
Lifetime Limit: up to RM225k

Prudential PRUHealth Medical Card

Room & Board: up to RM600
Annual Limit: up to RM250k
Lifetime Limit: up to RM2.6m

PRUMillion Med vs PRUValue Med

PRUMillion Med is a newer medical plan as compared to PRUValue Med. PRUValue's weaknesses of standalone lifetime limit for outpatient cancer & kidney dialysis makes it unfavorable among the other options available now.

According to an answer on Lowyat.net: 

Major differences is that PMM has an annual limit of RM1.38m (with higher insurance charges naturally) as compared to PVM. For PVM, if one is able to claim up to RM1M cummulative, Prudential will pay 80% of the bill, whilst client has to pay 20%.

Cancer treatment and kidney dialysis is claimable up to RM1.5M for PVM as compared to PMM that has an annual limit of RM1.38M.

3. Takaful Medical Card Malaysia

Takaful medical card


WEBSITE: online.takaful-malaysia.com.my
ADDRESS: 14th Floor, Annexe Block, Menara Takaful Malaysia, No. 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur P.O. Box 11483, 50746 Kuala Lumpur.
CONTACT DETAILS: 1300 820031
OPERATING HOURS: Mon-Thurs 8:30 am – 5:00 pm, Fri 8:30 am – 4:30 pm

The Takaful myClick MediCare Medical Card is the first-ever fully underwritten online medical plan in Asia.

Takaful myClick MediCare Medical Card

Room & Board: up to RM200
Annual Limit: up to RM100k
Lifetime Limit: Not applicable

Takaful myHealth Protector Medical Card

Room & Board: up to RM500
Annual Limit: up to RM275k
Lifetime Limit: No limit

Takaful Malaysia medical card panel hospitals: Click here

4. Allianz Medical Card Malaysia


WEBSITE: https://www.allianz.com.my/medical-insurance
ADDRESS: Level 29, Menara Allianz Sentral, 203, Jalan Tun Sambanthan, Kuala Lumpur Sentral, 50470 Kuala Lumpur.
CONTACT DETAILS: 1300 22 5542
OPERATING HOURS: Mon-Fri 8:00 am – 8:00 pm

Allianz MediAdvantage Medical Card

Room & Board: As Charged
Annual Limit: up to RM8m
Lifetime Limit: up to RM16m

Allianz Diabetic Essential Medical Card

Room & Board: up to RM400
Annual Limit: up to RM1.4m
Lifetime Limit: up to RM4.2m

Allianz Booster Care Medical Card

Room & Board: As Charged
Annual Limit: up to RM200k
Lifetime Limit: RM1m

Allianz Care Individual Medical Card

Room & Board: up to RM400
Annual Limit: up to RM125k
Lifetime Limit: Not applicable

Allianz MediSafe Infinite+ Medical Card

Room & Board: up to RM500
Annual Limit: up to RM2.5m
Lifetime Limit: No limit

5. AXA Medical Card Malaysia


WEBSITE: https://www.axa.com.my/medical-and-health
ADDRESS: Menara Chulan, 3, Jalan Conlay, 50450 Kuala Lumpur.
CONTACT DETAILS: (+603) 2170 8282
OPERATING HOURS: Mon to Fri: 8.30am to 5.30pm

AXA Affin eMedic Medical Card

Room & Board: up to RM250
Annual Limit: up to RM100k
Lifetime Limit: No limit

AXA eMedic is one of Malaysia’s first standalone comprehensive and affordable or cheap online medical card designed especially for young adults to have easily accessible protection against the inflation of medical fees.

AXA Affin SmartCare Optimum Plus Medical Card

Room & Board: up to RM500
Annual Limit: up to RM2.1m
Lifetime Limit: Not applicable

AXA Affin SmartCare Optimum Medical Card

Room & Board: up to RM500
Annual Limit: up to RM500k
Lifetime Limit: Not applicable

ADDRESS: Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur
CONTACT DETAILS: 1300-1300 88
OPERATING HOURS: Monday to Friday 8:30am to 5:15pm

Great Eastern Smart Medic Medical Card

Room & Board: up to RM400
Annual Limit: up to RM200k
Lifetime Limit: up to RM2m

Great Eastern Smart Extender Max Medical Card

Room & Board: up to RM400
Annual Limit: up to RM2m
Lifetime Limit: No limit

FAQs about Medical Card in Malaysia

Why should I get a medical card?

Getting a medical card comes with getting medical insurance. While you never want to wish an injury or illness on yourself or a loved one, it’s always better to be prepared. Having a medical card helps you keep the costs of medical or surgical treatments low.

How do I use my medical card?

For panel hospitals, you usually just have to present your card and sign a few documents. For non-panel hospitals, you usually have to submit a lot of documents. These documents include your basic information, medical records, medical reports, bills, etc.
Source: Manipal Hospital

Can I still use my medical card if admitted to a non-panel hospital?

There are some medical cards that don’t allow this for administrative purposes. This is why it’s important to make sure that the medical card you have has a panel hospital near you or allows non-panel hospital claims.

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