Best Health Insurance in Malaysia

Compare private health insurance packages and premiums. Find a suitable life insurance and medical card for you and your loved ones.

How to compare insurance packages



Select filters to narrow down your search. Choose a type of insurance policy, claim method, country, and your age.



Browse the list of filtered insurance policies. Click “See Details” to learn more about the policy’s details, benefits, and other important information.



Choose two (or more) insurance policies and click “Add to Compare”. Once you have added your chosen policies, click “Compare”.


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What types of policies are available

Choose a Policy for You and Your Loved Ones

Insurance policies can only provide protection for an individual. That means you can select and purchase a policy for yourself, your spouse, your children, or your parents.

There may be different reasons why you would want coverage. For example, you want to protect your family from financial difficulties in the event of unforeseen events such as sickness, death or disability.

Find a Policy for Your Spouse or Children

You may also want to assure their well-being in the future especially if you are your family’s sole breadwinner. Since medical costs are rising on an annual basis, it would be prudent to plan ahead and provide coverage in case you fall ill and unable to work.

Get Your Aging Parents Covered

You might also be concerned about your aging parents, who will likely face illnesses due to old age. Choosing a suitable insurance policy will help to provide the best possible healthcare in their golden years.

Whatever your goal may be, using Smarter Health’s insurance policy comparison tool will be helpful in determining the ideal coverage for you and your loved ones.

Why You Need Health Insurance

Health insurance protects you and your loved ones from financial hardships due to sudden illness, disability or death.

It has become an indispensable need in today’s modern life. More youths are affected by a variety of illnesses and diseases than ever before, while the number of elderly people are increasing.

“On average, the Gross Medical Inflation for Malaysia was 15.3% in 2018, 16.1% in 2019 and 14% this year.”

If you are thinking about getting an insurance policy but are still uncertain, these questions may help you decide better:

  • Would they have the money to pay for your final expenses, such as medical bills, funeral expenses, taxes, debts, and lawyers’ fees?
  • Would they be able to meet ongoing living expenses like rent or mortgage, food, clothing, transportation and healthcare – at least for time being?
  • What about long-term financial goals? Without your contribution to the household, would your surviving spouse be able to save enough money to put your children through university or retire comfortably?
  • Would you want to leave something to your children or grandchildren?

Find the Best Medical Insurance in Malaysia

We understand. Finding the best medical insurance for you and your loved ones can be overwhelming. There are many good policies to choose from, but it can be difficult to decide which is the better option for you.

This is why we decided to build this insurance comparison tool – to help people like you to browse and compare the best medical insurance policies in Malaysia.

Once you have compared and selected a life insurance policy or a medical card – or even if you are still unsure – we will be ready to help you decide.

3 Main Benefits of Medical Insurance



Lifelong Coverage

This is great if you anticipate people being financially dependent on you beyond a typical term policy.



Accelerated Benefits

You could receive 25% to 100% of your policy’s disability or death benefit if you develop a specific condition.



Tax-free Growth

You won’t have a pay taxes on any interest, dividends, or capital gains on cash-value until withdrawal

What is the Best Medical Card in Malaysia?

Do you know that 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.

This is why having a medical card is becoming more and more valuable. Selecting the best medical card will depend on what you need, how much you can afford, and what benefits you will receive.

Good medical cards will usually come with:

  • Annual Limit – Claimable amount that a policyholder is entitled to in a year
  • Lifetime Limit – Maximum amount you are entitled to claim from your medical card
  • Panel Hospitals – List of partnered hospitals that will accept your medical card
  • Cashless or Reimbursement Policy – Insurers pay the hospital directly or you will pay for hospitalization costs that will be reimbursed by the insurer
  • Room and Board – Room charges covered by the insurer for up to a maximum number of stays

What is Covered in an Insurance Policy?

Medical insurance covers a variety of conditions, including hospitalizations, disability, and death. Some insurance companies have also created specific policies and extended their benefits to protects not just adults in general, but also expecting mothers, infants, and the elderly.

Here are segments of people that are covered by most insurers:

  • Working adults
  • Women
  • Pregnant mothers
  • Infants
  • Senior citizens

Insurance policies in general covers conditions such as:

  • Hospitalizations
  • Post-hospitalization care
  • Critical illnesses
  • Total permanent disability
  • Death

Note: These are general guidelines based on existing insurance policies. Actual coverage and benefits may differ from one insurer to the next.

Talk to Us

Still unsure about which policy will suit you best? Feel free to leave your details so we can get in touch with you and help you decide.

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