15 Expats Talk about Health Insurance and Healthcare in Malaysia

"Malaysia offers a wide range of healthcare services, including primary care, specialist care, and hospital services. The public healthcare system in Malaysia is generally of good quality and is accessible to both citizens and foreign residents. Expats in Malaysia can use the public healthcare system, but they may need to pay for some services. The public healthcare system is funded by the government and is free for citizens, although there may be charges for certain services. Expats in Malaysia can access the public healthcare system by registering with a local clinic or hospital. They may also be able to access private healthcare services, which are generally of a higher quality than the public system. Expats may need to pay for private healthcare services, but they may be able to claim some of the costs back through their insurance," said one expat.

"Excellent clinics with Providers trained internationally, many with US Board certification -- especially true at private hospitals and clinics," remarked one expat in Georgetown.

"Malaysia has a well-developed healthcare system, providing quality medical services to its citizens. The country has a network of public and private hospitals, clinics, and medical centers that offer a wide range of medical services, including general and specialist care, emergency services, and preventive health care. The government also provides subsidies for certain medical treatments, making them more affordable for citizens. Additionally, Malaysia has a number of highly trained medical professionals, including doctors, nurses, and other healthcare workers, who are dedicated to providing quality care to patients," commented one expat living in Malaysia.

"Healthcare and health insurance in Malaysia can be expensive, depending on the type of coverage and services required. Private healthcare is generally more expensive than public healthcare, and health insurance premiums can vary depending on the type of coverage and the provider. Generally, health insurance premiums are higher for those who are older or have pre-existing medical conditions. Additionally, some health insurance plans may require additional fees for certain services, such as hospitalization or specialist care," remarked one expat living in Malaysia.

"Local health insurance is available to people under age 60. We have personal health insurance with a company specialising in international benefits. We pay for the procedures locally and submit electronic claims forms that are processed and pay according to US. standards. We chose this provider based on market research and an organization with which we are affiliated," said one expat living in Georgetown.

"Emergency services in Malaysia are generally reliable and efficient. In the event of an emergency, the public can call for an ambulance by dialing the emergency hotline number, 999. The call will be answered by a trained operator who will assess the situation and dispatch an ambulance to the scene. The ambulance will be staffed with trained medical personnel who can provide medical assistance and transport the patient to the nearest hospital," mentioned one expat in Malaysia.

"Emergency services respond quickly. Public and private hospitals are within 5 miles, clinics within a few blocks. Quality of care is on par with global high-level expertise. Hospitals are both public and private. Call for an ambulance with emergency call numbers," commented one expat who moved to Georgetown, Malaysia.

"Expats can go to local clinics and to hospitals. Typical treatment includes sprained ligaments, skin reactions, respiratory problems. Severe problems may evacuate to Kuala Lumpur. I would personally not return to US for medical OR dental care. Level of competence here for specialist treatment is trained by and participates in U.S. standards for Board Certification. Cost of treatment here is SUBSTANTIALLY LOWER than U.S," remarked one expat in Georgetown.

"In Malaysia, the cities of Kuala Lumpur, Johor Bahru, and Penang offer an impressive selection of medical specialists. The Royal Adelaide Hospital in Johor Bahru is renowned for its specialists in fields such as neurology, oncology, and orthopedic-neurosurgery, as well as its impressive neonatal intensive care unit. In Kuala Lumpur, major hospitals such as Hospital Kuala Lumpur and University Malaya Medical Centre are highly respected for their excellent facilities and skilled specialists. Penang is known for its wide network of hospitals and clinics that specialize in everything from cardiology to pediatrics, with world-class facilities like Gleneagles Medical Centre and Penang Adventist Hospital," remarked one expat living in Malaysia.

"Prescriptions are available through clinics, hospitals and pharmacies. Cost are low compared to U.S. We needed an antihistamine similar to U.S. prescription formula. We took it to a local pharmacy that said they didn't carry that brand, but compared ingredients and provide a local version--no prescription needed for that one," said one expat living in Georgetown.

"Yes, common prescription medications are available in Malaysia. These medications are typically dispensed by pharmacies and are regulated by the Malaysian Ministry of Health. Generally, these medications are available in both generic and brand name forms. In addition, many pharmacies offer online ordering and delivery services for prescription medications," mentioned one expat in Malaysia.

"Medical facilities and medical care in Malaysia are of a high quality. The medical system is well established and the equipment is up-to-date. Doctors and other medical professionals in Malaysia receive quality medical training, meaning they provide excellent care to their patients. Healthcare is easily accessible, affordable and efficient even in the rural areas. Besides modern medical treatments and procedures, traditional remedies are also available at many facilities, combining the best of both worlds," wrote one expat.

"There are private hospitals, which work better for foreigners. Quite a few around Kuala Lumpur," commented one expat who moved to Kuala Lumpur.

"Yes, foreigners living in Malaysia have access to public healthcare. The public healthcare system in Malaysia is generally of a high quality and is affordable for most people. The government provides subsidies for medical treatments and medications, making it more accessible for those who cannot afford private healthcare. The public healthcare system is also well-equipped with modern medical technology and experienced medical professionals," mentioned one expat in Malaysia.

"No need to enroll in public health system--show up at a hospital or clinic and ask for treatment. There are public hospitals, but private (more costly) respond faster with higher levels of service. Quality of health care is very good," commented one expat who moved to Georgetown, Malaysia.

"The pandemic has had a significant impact on the healthcare system in Malaysia. The government has implemented a range of measures to ensure the safety of patients and healthcare workers, including the introduction of telemedicine services, the provision of personal protective equipment, and the implementation of social distancing protocols. The healthcare system has also seen an increase in the number of patients seeking medical attention, leading to longer wait times and increased pressure on the system. Despite these challenges, the healthcare system in Malaysia has been able to provide quality care to those in need," wrote an expat living in Malaysia.