Best Medical Cards in Malaysia 2021

Private hospitals in Malaysia will normally require a deposit before they admit you. This can usually be paid by cash, debit card or credit card. However, if you have a medical card, most private hospitals will accept admission without the deposit (cashless admission), after receiving the guarantee letter from the medical insurance company.

best medical card malaysia

If you do not have a medical card, you might want to consider having one. Given the options available, it's not easy to decide which of these to choose from.

We take a look at the best medical cards in Malaysia and try to assist you in deciding which gives you the best value.

Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia.

Here is the list:


AIA Medical Card Malaysia

AIA A-Plus Health Medical Card
Room & Board: up to RM500
Annual Limit: up to RM2m
Lifetime Limit: No limit

AIA A-Plus Med Medical Card
Room & Board: up to RM500
Annual Limit: up to RM260k
Lifetime Limit: No limit

AIA A-Life Med Regular Medical Card
Room & Board: up to RM250
Annual Limit: up to RM150k
Lifetime Limit: Not applicable


Prudential Medical Card Malaysia

Prudential PRUValue Med Medical Card
Room & Board: up to RM600
Annual Limit: Not applicable
Lifetime Limit: Not applicable

Prudential PRUMillion Med Medical Card
Room & Board: up to RM500
Annual Limit: up to RM2m
Lifetime Limit: Not applicable

Prudential PRUsenior med Medical Card
Room & Board: from RM200
Annual Limit: Not applicable
Lifetime Limit: up to RM225k

Prudential PRUHealth Medical Card
Room & Board: up to RM600
Annual Limit: up to RM250k
Lifetime Limit: up to RM2.6m


PRUMillion Med is a newer medical plan as compared to PRUValue Med. PRUValue's weaknesses of standalone lifetime limit for outpatient cancer & kidney dialysis makes it unfavorable among the other options available now.

According to an answer on Lowyat.net: 

Major differences is that PMM has an annual limit of RM1.38m (with higher insurance charges naturally) as compared to PVM. For PVM, if one is able to claim up to RM1M cummulative, Prudential will pay 80% of the bill, whilst client has to pay 20%.

Cancer treatment and kidney dialysis is claimable up to RM1.5M for PVM as compared to PMM that has an annual limit of RM1.38M.


Takaful Medical Card Malaysia

Takaful myClick MediCare Medical Card

Room & Board: up to RM200
Annual Limit: up to RM100k
Lifetime Limit: Not applicable

Takaful myHealth Protector Medical Card
Room & Board: up to RM500
Annual Limit: up to RM275k
Lifetime Limit: No limit


Allianz Medical Card Malaysia

Allianz MediAdvantage Medical Card
Room & Board: As Charged
Annual Limit: up to RM8m
Lifetime Limit: up to RM16m

Allianz Diabetic Essential Medical Card
Room & Board: up to RM400
Annual Limit: up to RM1.4m
Lifetime Limit: up to RM4.2m

Allianz Booster Care Medical Card
Room & Board: As Charged
Annual Limit: up to RM200k
Lifetime Limit: RM1m

Allianz Care Individual Medical Card
Room & Board: up to RM400
Annual Limit: up to RM125k
Lifetime Limit: Not applicable

Allianz MediSafe Infinite+ Medical Card
Room & Board: up to RM500
Annual Limit: up to RM2.5m
Lifetime Limit: No limit


AXA Medical Card Malaysia

AXA Affin eMedic Medical Card
Room & Board: up to RM250
Annual Limit: up to RM100k
Lifetime Limit: No limit

AXA Affin SmartCare Optimum Plus Medical Card
Room & Board: up to RM500
Annual Limit: up to RM2.1m
Lifetime Limit: Not applicable

AXA Affin SmartCare Optimum Medical Card
Room & Board: up to RM500
Annual Limit: up to RM500k
Lifetime Limit: Not applicable


Great Eastern Medical Card Malaysia

Great Eastern Smart Medic Medical Card
Room & Board: up to RM400
Annual Limit: up to RM200k
Lifetime Limit: up to RM2m

Great Eastern Smart Extender Max Medical Card
Room & Board: up to RM400
Annual Limit: up to RM2m
Lifetime Limit: No limit

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