Health Insurance for Foreigners in Malaysia: A Complete Guide (2025)

Thinking of moving to Malaysia or already living here as a foreigner? 

Whether you're a digital nomad, international student, retiree, or expat professional, one thing you can't overlook is health insurance in Malaysia. 

While Malaysia offers high-quality healthcare, having the right insurance gives you peace of mind and protection from unexpected medical bills. 

This 2025 guide walks you through everything you need to know about health insurance for foreigners in Malaysia

Is Health Insurance Mandatory for Foreigners in Malaysia?

Yes, health insurance for foreigners is required if you plan to live in the country long term.

If you’re applying for a long-term visa like the Malaysia My Second Home (MM2H), a student visa, or an employment pass, having health insurance is typically mandatory. 

Without it, your visa may be delayed or even rejected.

Key groups who require health insurance:

• International students

• Employment pass holders

• MM2H applicants

• Dependents of visa holders

Not having insurance can mean higher out-of-pocket costs and limited access to private hospitals.

Types of Health Insurance for Foreigners in Malaysia

There are several options available for foreigners, depending on your status and needs:

1. Private Health Insurance

• Offered by local Malaysian insurance companies

• Covers hospitalization, surgeries, outpatient visits, and sometimes dental/vision

2. International Health Insurance

• Ideal for expats who travel frequently

• Offers global coverage and access to private hospitals worldwide

3. Student Health Insurance

• Designed for international students

• Usually more affordable with basic coverage for medical needs

4. Employer-Provided Insurance

• Many companies include health coverage as part of their benefits

• Coverage level varies by employer

What’s Typically Covered by Health Insurance for Foreigners?

Health insurance plans differ in coverage, but most standard policies include:

• Inpatient care (hospitalization)

• Outpatient care (visits, minor treatments)

• Surgeries and specialist care

• Emergency medical evacuation

• Limited maternity and dental treatment (depends on plan)

Tip of the day: always read the fine print to understand what’s included—and what’s not.

How to Apply for Health Insurance for Foreigners in Malaysia

Getting health insurance is simple, and you have multiple options:

1. Apply Online:

• Visit the website of a trusted provider like AIA, Allianz, or Prudential

• Choose a plan, submit your documents, and pay online

2. Through an Agent:

• Agents can help you compare policies and customize plans

• Especially helpful if you’re new to the country

3. Through Your University or Employer:

• Students and professionals may get group coverage

Documents required:

• Passport copy

• Visa/pass application

• Medical history (for some plans)

Top Health Insurance Providers in Malaysia

Here are some of the most reputable insurance companies for foreigners:

• AIA Malaysia – comprehensive coverage, extensive hospital network

• Prudential Malaysia – customizable plans with wellness benefits

• Allianz Malaysia – strong reputation and international partnerships

• Great Eastern Life – popular among expats and locals alike

• International providers like Cigna and Bupa also offer global plans

Average Cost of Health Insurance for Foreigners

Costs vary depending on age, health condition, and coverage level. Here’s a rough breakdown:

• Basic student plan: RM 500–1,200 per year

• Local expat plans: RM 1,200–5,000 per year

• International health plans: RM 6,000–20,000+ per year

How to Choose the Right Plan

With so many options, choosing can feel overwhelming. Here’s a checklist to guide you:

• Budget – Know how much you can afford monthly or annually

• Coverage – Inpatient, outpatient, dental, vision, etc.

• Network – Are your preferred hospitals and clinics covered?

• Claim process – Is it easy and fast?

• Exclusions – What’s not covered (e.g., pre-existing conditions)?

Students might prioritize affordability, while retirees may need more comprehensive coverage. Use comparison websites or talk to a licensed agent for guidance.

Tips for Foreigners: Stay Covered and Informed

• Renew your policy annually and keep an eye on premium changes

• Understand the claim process before you need it

• Keep emergency numbers and hospital contact info on hand

• Review your plan annually to make sure it still fits your needs

• Consider travel insurance for short-term visits or vacations

FAQs: Health Insurance for Foreigners in Malaysia

Q: Can I use my foreign health insurance in Malaysia?
A: Possibly, but only if your provider has coverage agreements with local hospitals.

Q: Are pre-existing medical conditions covered?
A: Not always. Some plans exclude them, or impose waiting periods.

Q: Is insurance accepted at government hospitals?
A: Typically no—these hospitals charge subsidized rates for citizens. Foreigners usually pay full price.

Looking to Study in Malaysia as a Foreigner? 

You can now apply to study in Malaysia through YourUni Educational Consultancy, where we act as your personal representative. 

Our experienced and dedicated team will simplify the process for you, offering step-by-step assistance in selecting the best university based on your preferences, needs, and career goals. 

We'll guide you through the entire application process—from preparing your documents to submitting your application, handling your visa, arranging accommodation in Malaysia and even picking you up in the airport when you arrive.

Get in touch with our team now for free consultation and advice!