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Expat Exchange - Health Insurance for Expats in Malaysia
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Health Insurance for Expats in Malaysia

By Betsy Burlingame

SJB Global
SJB Global

Summary: Making the move to Malaysia? One critical choice you'll face is between local health insurance and expat health insurance. Our article provides a comprehensive comparison of both, enriched with insights from expats in Malaysia on their personal insurance decisions.

Malaysia offers a blend of public and private healthcare services, with a growing number of expats and digital nomads taking advantage of its affordable and high-quality medical care. Health insurance is a critical consideration for those moving to Malaysia, as it ensures access to the best facilities and protects against high medical costs.

Health Insurance Companies in Malaysia

Malaysia has a range of health insurance companies offering comprehensive coverage. Popular insurers include AIA Bhd., Allianz Malaysia, AXA Affin General Insurance, and Great Eastern Life Assurance. Expats are eligible to purchase health insurance from these companies, which provide various plans tailored to different needs and budgets. These insurers are known for their reliability and extensive network of hospitals and clinics throughout the country.

Expat Health Insurance in Malaysia

Many expats living in Malaysia opt for specialized expat health insurance plans. These plans are designed to cater to the unique needs of expatriates, offering coverage that is often more comprehensive than local plans, including medical evacuation and repatriation. Expats choose these plans for peace of mind, knowing they have access to a wide range of healthcare services and support in English, which can be particularly important in times of emergency.

Local Health Insurance vs. Expat Health Insurance

Expats and digital nomads in Malaysia typically weigh the pros and cons of local health insurance against specialized expat health insurance. Local insurance plans are often more cost-effective and provide sufficient coverage for many individuals. However, those who prefer a broader scope of international coverage, including the ability to seek treatment in other countries, may opt for expat health insurance. The choice often depends on personal circumstances, including the length of stay, the level of healthcare comfort desired, and whether the individual travels frequently.

Considerations for Health Insurance Overseas

When deciding on health insurance while living overseas, several factors should be considered. One important aspect is the method of payment for medical services; some insurers offer direct billing with hospitals and clinics, which can be more convenient than paying out-of-pocket and submitting claims for reimbursement. Additionally, the scope of coverage, including whether it extends to other countries, the level of customer service, and the ease of processing claims, are critical considerations. Expats should also assess the insurer's network of healthcare providers to ensure they have access to quality care wherever they are in Malaysia.

Expats talk about Health Insurance in Malaysia

"Local health insurance is available to people under age 60. We have personal health insurance with a company specialising in international benefits. We pay for the procedures locally and submit electronic claims forms that are processed and pay according to US. standards. We chose this provider based on market research and an organization with which we are affiliated," commented one expat living in Georgetown, Malaysia.

"Local health insurance is available to people under age 60. We have personal health insurance with a company specialising in international benefits. We pay for the procedures locally and submit electronic claims forms that are processed and pay according to US. standards. We chose this provider based on market research and an organization with which we are affiliated," mentioned one expat living in Malaysia.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.


SJB Global
SJB Global

SJB Global
SJB Global

View of George Town, Penang, Malaysia

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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