International Health Insurance for Expatriates in Malaysia

International Health Insurance for Expatriates in Malaysia

Discover our health insurance policies specifically designed for expats in Malaysia

Foyer Global Health covers expats’ health in Malaysia who are seeking for a private health insurance solution tailored to their needs.

Premium healthcare in Malaysia

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Coverage in Malaysia & worldwide for you and your family

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Are you ready to embark on a new journey to a fascinating Asian country? Malaysia is home to lush tropical jungle, pristine beaches, cultural diversity, and a thriving economy. It has everything to appeal to expatriates from around the globe, including an excellent healthcare system. Planning to live and work in Malaysia? Foyer Global Health is here to give you some key tips to navigate its healthcare system. 

Malaysia’s healthcare system

Over the past decades, Malaysia’s healthcare system has made significant progress, focusing on enhancing the quality of healthcare, accessibility of services, and medical coverage. In fact, over the last ten years, Malaysia has emerged as a top destination for medical tourism in Southeast Asia.

Healthcare services are efficient and accessible

Malaysia’s healthcare services are among the best in the world. Whether in the public or private sector, the country boasts modern medical facilities, high-quality health services and highly qualified medical practitioners. Major Malaysian cities are home to cutting-edge hospitals and clinics world-renowned for specialized services such as cardiology, orthopedics, surgery. In fact, people from across Southeast Asia choose Malaysia  as their preferred destination for healthcare.

A full range of medical services

Malaysia offers a wide range of health services, seamlessly integrating modern medicine and traditional medicine. Depending on your location and ailment, you can access highly qualified medical specialists in modern medicine as well as practitioners of acupuncture or herbal medicine.

Public healthcare

Malaysia’s social security system guarantees, in theory, universal access to public healthcare services. Heavily subsidised by the government, public health services are available at a reduced rate to Malaysian citizens covered by public health insurance.

Public medical facilities are reserved for Malaysian citizens, who must present their Malaysian identity document to receive treatment.

In case of emergency, however, expatriates can be treated in the public sector but at higher rates than those charged to locals. Expatriates’ employers are obligated to enroll their employees in the compulsory Hospitalization and Surgical Insurance Plan, to ensure they are covered in the event of hospitalization in a public hospital.

While the public health sector offers good quality medical services, it does face significant challenges such as long waiting times for treatment and staff shortages.

The private sector

The private health sector is booming. More than half of Malaysian doctors have transitioned from the public sector to the private sector due to better working conditions.

Expats often opt for private healthcare due to the shortage of staff, long waiting times and varying charges for foreigners in the public sector. Private medical facilities offer highly efficient care, well-equipped infrastructure, and multilingual staff trained abroad.

The cost of health services in Malaysia

health malaysia

Healthcare costs in Malaysia, both the public and private sectors, are generally affordable compared to other countries with similar quality standards. For a medical consultation, you will have to pay a fee ranging from €12 and €58. While daily hospitalization costs for a private room can reach up to €180, the cost of childbirth varies between €650 and €3,200, depending on the procedures performed.

However, it is important to note that, with the growth of medical tourism in the country, private healthcare costs have been on the rise and medical expenses can be quite high. It is therefore strongly recommended to obtain private international health insurance to mitigate potential financial burdens associated with medical procedures and hospitalization.

You may be required to pay a percentage of the medical costs in advance for scheduled medical procedures. In such instances, it is essential to provide your health insurer with a quote for the costs of treatment.  

Regional disparities

There are major regional disparities in terms of healthcare services. While major cities like Kuala Lumpur boast excellent medical infrastructure in both public and private sectors, remote and rural regions suffer from a shortage of medical staff and facilities.

Private international health insurance is the best option for your relocation

As an expatriate, it is recommended to secure international health insurance coverage. Public health services at reduced rates are reserved for Malaysians, and private healthcare can be expensive, even with local health insurance.

International health insurance companies offer numerous benefits, including comprehensive coverage in private health establishments, not only in Malaysia but also worldwide,

In addition, they often provide assistance and coverage for medical evacuation, which is essential in a country with unevenly distributed healthcare infrastructure.

Why choose Foyer Global Health?

  • Our company specializes in providing health coverage for expats
  • We have no limit: we offer flexible and comprehensive health plans at competitive prices that protect you in Malaysia, in your hometown, or elsewhere.
  • We ensure quick and efficient access to healthcare providers for your relocation and travel in Malaysia, either temporarily or for a lifetime
  • We provide teleconsultation services, ensuring medical assistance is always accessible all year round
  • We cover you in the event of medical evacuation
  • Our policy is effective from the first euro, with no advance payment required