Medical Card Premium Calculator Malaysia 2026
Estimate standalone medical card premiums by age, coverage limit and deductible
Estimated Premium
Monthly Premium Estimate
RM 65 – RM 100
RM100,000 limit · No deductible
Annual Premium
RM 780–1,200
Tax Relief
RM 990
Net Cost/Year
RM 0
Annual Limit
RM100,000
📊 Quick Limit Comparison (Age 30)
RM60,000
RM 52–80/mo
RM100,000
RM 65–100/mo
RM500,000
RM 104–160/mo
⚠️ Cost of Waiting 5 Years
At age 35, the same coverage costs RM 80–120/month — that's RM 15 more per month. Over 20 years, waiting 5 years costs you RM 3,600 extra.
🆕 New in 2026: BNM Base MHIT Plan
Bank Negara is piloting a new government-backed Base MHIT (Medical & Health Insurance/Takaful) plan. Estimated rates: Age 31-35: RM80-120/month | Age 61-65: RM280-350/month. Pilot expected H2 2026. Check BNM website for updates.
Compare Medical Card Plans
Get personalised quotes from 15+ insurers. Cashless admission at panel hospitals.
Compare Medical Cards Free →Instant quotes · Cashless admission · Panel hospitals nationwide
Medical Card Premium by Age in Malaysia 2026
| Age | RM60K Limit | RM100K Limit | RM500K Limit |
|---|---|---|---|
| 25 | RM40–64 | RM50–80 | RM80–128 |
| 30 | RM52–80 | RM65–100 | RM104–160 |
| 35 | RM64–96 | RM80–120 | RM128–192 |
| 40 | RM96–144 | RM120–180 | RM192–288 |
| 45 | RM144–224 | RM180–280 | RM288–448 |
| 50 | RM224–336 | RM280–420 | RM448–672 |
| 55 | RM336–520 | RM420–650 | RM672–1,040 |
| 60 | RM520–800 | RM650–1,000 | RM1,040–1,600 |
* Monthly premiums for non-smoker male, no deductible. Female rates ~10% less. Smoker rates ~50% more.
How to Choose the Right Medical Card
Annual limit
RM100K for basic. RM300-500K for comprehensive. RM1M if you want no-worry coverage at top hospitals.
Deductible
RM0 for full cashless. RM2-5K saves 20-35% premium but you pay first RM2-5K each claim. Good if you have savings.
Room type
2-bed is cheapest. Single room for privacy. Suite for premium comfort. Higher room = higher premium.
Panel hospitals
Check which hospitals are in the insurer's panel. More panels = more convenience for cashless admissions.
Waiting period
Most plans have 30-day general and 120-day specific illness waiting. Pre-existing conditions may be excluded.
Guaranteed renewable
Ensure your plan is guaranteed renewable — meaning the insurer can't cancel your policy as you age or get sick.
Deductible Medical Card — Worth It?
| Deductible | Premium Savings | You Pay Per Claim | Best For |
|---|---|---|---|
| RM0 | — | RM0 | Those who want full cashless |
| RM1,000 | 12% less | First RM1,000 | Light users with savings |
| RM2,000 | 20% less | First RM2,000 | Cost-conscious with emergency fund |
| RM5,000 | 35% less | First RM5,000 | Healthy, rarely hospitalised |
| RM10,000 | 50% less | First RM10,000 | Company covers first RM10K |
Frequently Asked Questions
How much does a medical card cost?▼
What annual limit should I get?▼
Should I get a deductible plan?▼
Do premiums increase every year?▼
What is the MHIT plan in 2026?▼
Kalkulator Premium Kad Perubatan Malaysia 2026
Kalkulator percuma untuk menganggar premium kad perubatan (medical card) di Malaysia mengikut umur, had tahunan dan deduktibel.
Anggaran Premium Bulanan (Had RM100K)
- • Umur 25: RM50–RM80/bulan
- • Umur 35: RM80–RM120/bulan
- • Umur 45: RM180–RM280/bulan
- • Umur 55: RM420–RM650/bulan
Tips Pilih Kad Perubatan
- • Mulakan awal — premium lebih murah dan kunci harga rendah
- • Pelepasan cukai sehingga RM3,000/tahun untuk insurans perubatan
- • Pilih deduktibel RM2,000-5,000 untuk jimat 20-35% premium
- • Pastikan pelan boleh diperbaharui secara terjamin (guaranteed renewable)