01 · Confirmed
What was actually announced
MediAsas is the official brand for the government-designed Base MHIT (Medical and Health Insurance/Takaful) plan — the centrepiece of the RESET healthcare-financing reforms. The confirmed facts from the 6 July 2026 MOF/MOH joint announcement:
Two tiers, standalone design
MediAsas Teras (standard) and MediAsas Fleksi (standard-plus). Both are standalone insurance/takaful plans — not investment-linked. Given how much grief ILP structures have caused in the 2024–26 repricing wave, that design choice matters.
Pilot: Klang Valley, end-July to October 2026
Six insurers and takaful operators participate, with "selected" private hospitals — the hospital list has not been published. Nationwide rollout is targeted for January 2027.
Pricing and ages
Indicative monthly premiums of RM60–550 for entry ages up to 70, with protection to age 85 — a wider entry window than most private flagships. "Final pricing will be confirmed ahead of the nationwide rollout."
The reform machinery around it
Phased DRG (diagnosis-related group) billing at participating hospitals, an Independent Governance Board being established, a hospital billing-transparency framework targeted for August 2026, plus EMR digitalisation and Act 586 licensing modernisation.
Governance & cost architecture (added 2026-07-14)
Three structural facts from the official announcement that most coverage skipped: the plan's cost containment rests on the phased implementation of the Diagnosis-Related Groups (DRG) system in private hospitals — paying per diagnosis group rather than per itemised service, the structural counterweight to Malaysia's ~16% medical inflation; an independent governance board will be established to oversee MediAsas and protect consumer interests once fully implemented; and hospitals joining the MediAsas network are expected to participate in the MDHCN digital health framework — the first public signal of how the hospital panel will be structured (and why the participating-hospital list, when it drops, will matter beyond MediAsas itself).
02 · Unconfirmed
The three questions nobody has answered
① What are the annual limits?
The announcement did not state annual limits for either tier. The earlier BNM White Paper stage floated RM100,000 (Teras) and RM300,000 (Fleksi) — with a hefty RM10,000–15,000 deductible proposed for Fleksi. Until confirmed, treat every limit figure you see (including on this site) as White Paper-stage, not final. In an era of 16% medical inflation, the limit is the single number that decides whether this plan is a floor or an illusion.
② What are the waiting periods?
Unspecified. Conventional Malaysian plans run 30 days general / 120 days for specified illnesses — see our waiting-period guide (Chinese) for how those clocks work. A government plan is not automatically exempt from the same mechanics; ask before signing.
③ If you buy during the pilot, does your premium change later?
"Final pricing will be confirmed ahead of the nationwide rollout" — which leaves open whether pilot participants' premiums get revised in January 2027. Nobody has clarified this. If you buy during the pilot, get the answer in writing from the insurer.
White Paper-stage mechanics, for reference: RM500 deductible plus two-tier co-payment — zero co-pay at Tier-1 panel hospitals, 20% co-pay (capped at RM3,000 per disability) at Tier-2 hospitals outside the network. None of this was re-confirmed in the July announcement.
Our own check, first-hand (2026-07-14)
This site's consulting partners are AIA-authorised life planners — AIA being one of the six pilot ITOs — so we asked through the official channel. The answer: as of 14 July, nothing. No product mechanics, no rate structures, no agent briefings have come down even inside a participating insurer's own network. The practical takeaway for you: anyone claiming today that they can "pre-book," "reserve," or explain MediAsas details — including an insurer's own agent — cannot yet be telling the truth. Treat any such pitch, and especially any request for payment, as a red flag until official pilot mechanics are published. We'll update this page the day real information lands.
MediAsas waiting list: be told the moment it's real
Because of the channel above, we'll know when AIA — and, through industry contacts, the other five ITOs — release MediAsas availability, mechanics and pricing, typically before it hits the news cycle. Join the waiting list and we'll message you at the earliest opportunity. One topic only, no spam, free, and your details are never sold. And to be crystal clear given the warning above: you're queuing for information, not for a policy — nobody can book MediAsas yet, including us.
📲 Join the MediAsas waiting list on WhatsApp →Age and state help us tell you what's relevant (entry is up to age 70; the pilot is Klang Valley only, national from Jan 2027).
03 · Practical
What to actually do with this information
If budget is genuinely tight, or you're covering parents near the entry ceiling: MediAsas is worth watching closely — its whole reason for existing is to be the affordable floor, and entry to age 70 with protection to 85 is wider than most private flagships. "Some protection now" beats "perfect protection never".
If you can afford a private plan: the (unconfirmed) limits are the catch. A RM100,000 annual limit does not go far in a private hospital — our official cost data (Chinese) shows why. Many people's real answer will be a combination: MediAsas as the floor, something else as the ceiling.
If someone tries to sell you a private policy using MediAsas fear or hype: both directions are red flags. "Buy now before MediAsas ruins private plans" and "cancel your card, MediAsas is coming" are equally bad advice — the second especially, because cancelling resets your waiting periods and insurability. Our consultants will tell you the same in plain English.
This page updates as facts land
Hospital list, confirmed limits, waiting periods, pilot pricing terms — each gets added here with its source and date, same day we verify it. Spotted something we missed? Tell us — verified corrections within 48 hours.
04 · FAQ
Frequently asked questions
What is MediAsas?
MediAsas is the official brand name for Malaysia's government-designed base medical and health insurance/takaful (MHIT) plan, announced on 6 July 2026. It is a standalone plan (not investment-linked) sold through private insurers and takaful operators, in two tiers: MediAsas Teras (standard) and MediAsas Fleksi (standard-plus). It pilots in the Klang Valley from end-July to October 2026, with nationwide rollout targeted for January 2027.
How much does MediAsas cost?
Officially: indicative monthly premiums of RM60–550 for individuals joining up to age 70, with protection to age 85. That is the full spread across ages and tiers — your actual price depends on age and tier. Final pricing will only be confirmed before the January 2027 nationwide rollout, and the government has not said whether pilot buyers' premiums could change at that point.
Should I buy MediAsas or a private medical card?
It depends on budget and needs. MediAsas is designed as an affordable floor — broader eligibility, lower premiums, but (based on White Paper-stage figures) much lower annual limits than private flagship plans. If budget is tight or you're covering parents near the age-70 entry ceiling, it may be the difference between some protection and none. If you can afford a private plan's premium, the higher limits matter in an era of 16% medical inflation. Many people will end up combining both.
Can I buy MediAsas now?
The pilot runs in the Klang Valley from end-July to October 2026 through six insurers and takaful operators at selected private hospitals — the hospital list has not been published. Nationwide availability is targeted for January 2027. If you're considering buying during the pilot, ask the insurer directly whether your premium is locked or subject to "final pricing" — the government's announcement left this open.
05 · Updates & Sources
Page updates
- 2026-07-14Added the MediAsas waiting list: WhatsApp sign-up for earliest-opportunity availability updates from AIA and other ITOs via industry channels — explicitly information-only, not a booking.
- 2026-07-14First-hand check added: enquiry to AIA via our authorised-planner channel confirms no internal product details or agent briefings yet — with the consumer warning that follows from it.
- 2026-07-14Added governance & cost architecture (DRG phased rollout, independent governance board, MDHCN requirement for network hospitals) from the MOF press release; sharpened the waiting-period unknown with the pilot-length paradox (CodeBlue).
- 2026-07-12First published: MediAsas naming, tiers, pilot details, six participating insurers, indicative pricing — and the three unanswered questions (limits, waiting periods, pilot repricing).
Sources (all verified 2026-07-12)
- Ministry of Finance — official JBMKKS/MediAsas press release and appendix PDF (6 July 2026): pilot details, six ITOs, DRG phased implementation, independent governance board, MDHCN participation for network hospitals.
- CodeBlue (7 July 2026): MOH did not specify waiting periods; a conventional 120-day wait would exceed the three-month pilot duration.
- MOF/MOH joint announcement via JBMKKS, 6 July 2026 — as reported by Free Malaysia Today ("MediAsas insurance plan to kick off end July") and RTM's official news portal.
- CodeBlue (Galen Centre), 7 July 2026 — "Government Names Base MHIT 'MediAsas', Waiting Periods Uncertain": annual limits and waiting periods unspecified; pilot repricing question raised.
- RHB Research, 8 July 2026 (via DagangNews / Majalah Labur) — White Paper-stage mechanics recap: RM500 deductible, two-tier co-payment (Tier-1 panel: none; Tier-2: 20% capped RM3,000 per disability).
- BNM White Paper on the Base MHIT (January 2026) — the RM100,000 / RM300,000 annual-limit and Fleksi deductible figures now pending official confirmation.
Want to hear the moment MediAsas becomes available?
Join the waiting list — when AIA and the other pilot insurers release plans, mechanics or pricing, you'll hear it from us first, thanks to our channels inside the industry. Information only; no booking exists yet, and no payment is ever involved.
Join the waiting list on WhatsApp → Consultations by AIA-authorised agents MK (V8852) & Mianne (9483Y) · Meet them → · Your details are never sold to third parties