KUALA LUMPUR: The government will introduce a base medical and health insurance and takaful (MHIT) plan aimed at providing Malaysians with affordable and sustainable protection against major healthcare expenses, while helping manage rising private healthcare costs.
The base MHIT plan is designed as a hospitalisation policy that covers large hospital bills based on shared-room costs, with expanded options for pre- and post-hospitalisation care. These include consultations and follow-ups at GP clinics, physiotherapy, and home nursing care.
There will be no lifetime limit under the plan, while the annual limit is set at a level sufficient to cover treatment costs for most common conditions, representing 99% of hospitalisation bills. Coverage will be guaranteed for renewal up to the age of 85.