Expat Insurance Services in Malaysia

Malaysia has a government run public health care system that provides universal coverage to everyone living in Malaysia, and a high quality medical system. The Malaysian public health care system means that any medical and dental treatment in a public hospital is free for retirees, civil servants, and the needy, with nearly full medical coverage for the rest of the population.

 

Visitors to Malaysia or other foreigners who are not employed in Malaysia are not covered by the public health program, and they will need to have some private travel health insurance to cover their treatment, which must be in a private clinic.

 

Since most people living in Malaysia cannot afford the expensive private health insurance, there usually tend to be long waiting lines in public hospitals. However the few Malaysians who can afford private health insurance can get much faster medical treatment in a private clinic. Payments at a private clinic are demanded at the time of visit, with a later reimbursement from the private insurer. Because of the high cost of premiums charged by a Malaysian private health insurer, it is more inexpensive for foreigners to look for a policy from some other country that will cover them medically during the time of their stay in Malaysia.