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Best Medical Card in Malaysia (2026)

There's no single best medical card in Malaysia: it depends on your age, your budget and whether your employer already covers you. At 30, standalone cards run from RM523 a year for FWD i-Med (RM60,000 of cover, no deductible) to RM1,498 for AIA A-Life MediFlex Plan 350 (RM350,000, RM500 deductible).

Best medical card in Malaysia by what you need

Lowest price with no deductible

FWD i-Med Plan 1

RM523 a year at 30 for RM60,000 a year of cover, the lowest no-deductible price in our comparison. Bought direct from FWD, ages 18 to 45.

You already have company cover

Tokio Marine Medic Plus (Plan MPA)

RM267 a year at 30 for RM150,000 a year. You pay the first RM10,000 of each illness, which your company card can cover. Entry up to 64.

Cover that lasts, or you're buying after 45

AIA A-Life MediFlex

Entry from 14 days to 70 years, cover to age 100, no lifetime limit. RM1,081 to RM1,498 a year at 30 with a RM500 deductible.

A limit above RM1 million

Generali SmartCare Optimum Plus

Up to RM2.1 million a year, entry up to 65, cover to 100. MSIG Healthcare International and Lonpac MediSecure Plus 2015 also go to RM2.2 million. Ask for a quote.

Takaful

AIA A-Life MediFlex-i or Zurich Z-MedValue Takaful

Takaful versions of standalone cards. MediFlex-i takes members from 14 days to 70 years and covers to age 100.

The cheapest option from 2027

MediAsas

Government-backed plan with RM100,000 a year of cover and indicative premiums from about RM60 to RM65 a month. Not on sale yet.

Medical card comparison in Malaysia: price at age 30

Standalone medical cards, cheapest first. All prices are yearly for a non-smoker.

Plan	Annual limit	Deductible	Per year	Per month
Tokio Marine Medic Plus MPA	RM150,000	RM10,000 per illness	RM267	~RM22
FWD i-Med Plan 1	RM60,000	None	RM523	~RM44
Progressive Care PC-2	RM60,000	Not stated	RM585	~RM49
Liberty MediStar Plan 2	RM60,000	Not stated	RM652	~RM54
FWD i-Med Plan 2	RM90,000	None	RM738	~RM62
AIA A-Life MediFlex Plan 180	RM180,000	RM500	RM1,081	~RM90
AIA A-Life MediFlex Plan 250	RM250,000	RM500	RM1,303	~RM109
AIA A-Life MediFlex Plan 350	RM350,000	RM500	RM1,498	~RM125
Zurich Z-MedValue Plan 3	RM75,000	RM500	RM1,517	~RM126

AIA prices are for a man; a woman pays RM1,128, RM1,297 and RM1,491. Zurich and Tokio Marine price by age next birthday. "Not stated" means our source did not give a deductible. Rates are not guaranteed and change at renewal. Monthly prices are the yearly price divided by 12.

Life & Medical Insurance · Underwritten by FWD · 4.8 from 323,000+ reviews

Medical Card from RM1.38 a Day, Bought Online in 2 Minutes

FWD's i-Med medical card through Bjak: RM60,000 annual limit, no lifetime limit and no medical check-up, for ages 18 to 45.

Cover options

Plan	Premiums start from	Plan maximum cover
i-Med — Medical Card 18–45	RM1.38/day ≈RM41/mo	RM60,000 annual limit · Unlimited lifetime limit · RM150/day hospital
i-Care — Life Insurance 18–60	RM0.32/day ≈RM10/mo	RM500,000 death · RM500,000 TPD · RM250,000 additional accidental death
i-Protect — Critical Illness 18–60	RM0.25/day ≈RM8/mo	RM100,000 cover · Cancer, stroke, heart attack

The starting price and the maximum cover in this table are two separate things — the lowest premium does not buy the highest cover.

A real illustration from the Product Disclosure Sheet

A 30-year-old male on i-Care Plan C pays RM741.00 a year for RM500,000 death cover, RM500,000 TPD and RM250,000 additional accidental death.

Know before you buy

Premiums are yearly renewable and NOT guaranteed — they increase with your age at renewal.
Cover runs to age 81, subject to paying the renewal premium.
Benefits are protected by PIDM up to limits.
Exclusions apply (for example suicide within the first year, hazardous pursuits). The list is non-exhaustive — read the policy.

What you get

No medical check-up to apply
Policy issued in about 2 minutes, no agent calls
Pay monthly or yearly

Check the Price for Your Age

Starting prices, which vary by age and gender. Monthly figures are the daily rate times 30. Check your actual quote and policy terms before buying. Not insurance advice. · November 2026

Standalone medical card or a rider on a life plan?

A standalone medical card is health cover only. You renew it every year and the price rises with your age.

Many agent-sold plans, such as AIA A-Plus Health360 and Prudential's PRUValue Med and PRUMillion Med, are riders on an investment-linked life plan. You pay one premium for life cover, medical cover and an investment part, so the monthly amount is higher, but it can stay level for longer because the fund value pays for the rising cost of cover.

Best family medical card: plans for children and parents

Babies and children: AIA A-Life MediFlex from 14 days old, Generali SmartCare Optimum Plus from 15 days, Zurich Z-MedValue and Tokio Marine Medic Plus from 30 days.
Parents in their 50s and 60s: AIA A-Life MediFlex takes new applicants up to 70, Generali SmartCare Optimum Plus and Tokio Marine Medic Plus up to 64 or 65.
From 2027: MediAsas takes anyone before age 70 and covers to 85.

Work out what you'd pay

See premiums for every age, or put in your own details.

Medical Card Premium Calculator →Average Cost of Health Insurance

Frequently Asked Questions

What is the best medical card in Malaysia?

It depends on your age, budget and whether you have company cover. At 30, FWD i-Med Plan 1 is the lowest-priced card with no deductible in our comparison at RM523 a year for RM60,000 of cover. If your employer already covers you, Tokio Marine Medic Plus MPA adds RM150,000 a year for RM267, with a RM10,000 deductible. If you want cover that lasts, AIA A-Life MediFlex runs to age 100 and takes new applicants up to 70.

What is the best takaful medical card in Malaysia?

Takaful versions of standalone medical cards include AIA A-Life MediFlex-i, sold by AIA PUBLIC Takaful, and Zurich Z-MedValue Takaful. MediFlex-i takes members from 14 days to 70 years old, covers to age 100 and has no lifetime limit. You pay contributions instead of premiums.

Which medical card can I buy for my baby or child?

Several standalone cards accept children from a few weeks old: AIA A-Life MediFlex from 14 days, Generali SmartCare Optimum Plus from 15 days, and Zurich Z-MedValue and Tokio Marine Medic Plus from 30 days. FWD i-Med only takes adults aged 18 to 45.

Do I need my own medical card if my company covers me?

Company cover usually ends when you leave the job, and its yearly limit may not cover a large bill. A top-up card with a high deductible is a low-cost way to fill the gap: Tokio Marine Medic Plus MPA costs RM267 a year at 30 for RM150,000 of cover, after the first RM10,000 of each illness.

Can I get a medical card with a pre-existing condition?

Often yes, but the insurer may charge a higher premium, exclude that condition or decline you. MediAsas, due in 2027, takes applicants up to age 70 and does not let insurers look back at your medical history to refuse a claim.

Related Calculators

Medical Card Premium Calculator

Premium by age and plan type

Critical Illness Calculator

How much critical illness cover you need

AIA Insurance Malaysia

AIA medical and life plans

Prudential Malaysia

Prudential medical and life plans

Sources

Prices last checked 13 November 2026. Get a quote for your own age before you buy. This page is general information, not insurance advice.

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