Top 5 Health Insurance in Malaysia to Rely On for Complete Protection
In Malaysia, you’ll find plenty of options, but not every insurer offers the same level of trust and support when it counts most. The real task isn’t deciding if you need coverage, but knowing which companies truly deliver.
To help you cut through the noise, here are the most reliable health insurance plans in Malaysia that you can rely on for complete protection. Read on to know your options!
How much does health insurance in Malaysia cost?
For a healthy young adult in Malaysia, a comprehensive health insurance (medical card) typically costs between RM100 and RM250 per month.
Basic plans can be found for as low as RM50 per month, with the final premium heavily depending on your age, health status, and the desired coverage level.
1. DoctorShield
Address: 2A-16-2, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral
Phone: +60122930700
Business Hours:
- Monday to Friday – 9 AM to 6 PM
We spent some time looking into DoctorShield, and it caters specifically to medical professionals in Malaysia. What stood out immediately is that the entire process—from getting a quote to finalising your policy—can be done online.
It’s incredibly convenient if you’re a busy person who doesn’t have time to go back and forth with an agent. Their platform is user-friendly, and calculating premiums took only a couple of minutes.
We found that their coverage is underwritten by Chubb, one of the world’s most reputable insurers, which added another layer of credibility.
Also, we reached out to clarify a few questions about claims handling and renewals. They were very patient, thorough, and efficient, providing answers to our queries.
According to their clients, they exert effort to make the whole insurance process less stressful, especially when you file a claim.
That said, we noticed response times can be a bit slow during peak periods. This might be a result of their growing customer base, but it’s still something to factor in if you need urgent support.
Excellent service
“Sincere appreciation to Mr. Kris for his detailed and professional explanation of the coverage. The service and guidance provided were truly excellent. The insurance coverage was explained in a clear and comprehensive manner, ensuring a full understanding of the investment. Highly recommended.”
Dr. Win, Google Review
Incredible team
“The customer service team has been incredibly helpful from start to finish in assisting my team and me with purchasing an insurance policy for our private practice and team members. They were patient, efficient, and knowledgeable throughout the entire process.”
We Rather Bee, Google Review
2. MediExpress (M) Sdn Bhd
Phone: +60378841818
Business Hours:
- Monday to Friday – 9 AM to 6 PM
While researching for health insurance providers, MediExpress stood out for its long-standing presence and strong network. Established in 1998 and now part of the Sumitomo Corporation Group, the company handles medical benefits and claims for both insurers and corporate clients.
We reached out via phone to learn more about how they work with policyholders. The representative we spoke with was knowledgeable and straightforward when explaining how they assist with outpatient benefits, e-pharmacy services, and medical claims processing.
Their emphasis on preventive care and data analytics also suggests that this is a company more invested in long-term healthcare solutions than just processing claims.
However, getting through to them wasn’t easy. We had to make multiple attempts before someone finally answered the call. This seems to line up with what others have mentioned—lines are often busy, especially during working hours.
Still, if your policy is under one of their partnered insurers, you’ll likely benefit from fast turnaround on approvals, detailed medical insights, and consistent backend support.
Good outpatient management
“Accommodative TPA. Good service. Good management of outpatient and wellness programs for our corporate”
Vejay Avinash, Google Review
Reliable team
“Fast, accurate and reliable”
Faizal Mustari, Google Review
3. NextGen Malaysia
Address: 3rd Flr, 69-3A, Jalan SS 23/15, Taman Sea, 47400 Petaling Jaya
Phone: +60122945939
Business Hours:
- Monday to Friday – 8:30 AM to 5:30 PM
- Saturday – 9 AM to 12 PM
After sifting through a variety of newer insurance players, we came across NextGen Malaysia—a name that’s getting attention for its approach. We contacted a few of their agents directly through Facebook to better understand how they operate.
What stood out immediately was the level of attentiveness we received. Instead of giving us generic information, each advisor walked us through the pros and cons of various plans, including medical and life insurance options.
Everything went well, and our consultation didn’t feel like a sales pitch at all. Their plans are offered under Prudential, but the flexibility and follow-up make NextGen’s team stand out.
However, their Facebook is the only reliable contact point. Their website is currently down or inactive, which makes it a bit difficult to learn more or verify official info unless you reach out directly.
Very dedicated insurance adviser
“I’ve had such a positive experience working with Ben as my insurance advisor. He’s incredibly helpful, patient, and always goes the extra mile to explain things in a clear and understandable way. His dedication makes the entire process seamless and stress-free. If you’re looking for a reliable and knowledgeable insurance advisor, I can’t recommend Ben enough.”
King Sley, Google Review
Great experience with the adviser
“Overall had a great experience with Mei Xuan’s service, not too pushy although i’m not ready for any sign up. She’s knowledgeable and proper advice is given according to my needs. Highly recommended!”
Alex Teh, Google Review
4. STW Supreme Agency
Address: 22G, Jalan Intan 4, Bandar Baru, 36000 Teluk Intan
Phone: +6056210858
Business Hours:
- Monday to Friday – 9:30 AM to 5:30 PM
If you’re hoping to get weekend support, STW Supreme may not be your best bet—they’re closed on Saturdays and Sundays.
That said, their weekday service is commendable. When we reached out for general information, we got a call back within the same day. The advisor walked us through their available plans without pushing for a sale, which made the whole experience feel respectful and low-pressure.
They specialise in health and life insurance and bring over 20 years of experience to the table. Clients we spoke to highlighted the team’s consistency in handling claims and renewals quickly.
We also looked into their three core values: satisfactory, trustworthy, and worthwhile. You’ll notice them in how clearly the team communicates and how fast they follow up.
Whether you’re looking for a comprehensive health plan or just comparing quotes, the advisors here make you feel like you’re in good hands.
Very helpful provider
“Very supportive agent, response all my queries timely and very helpful attending all my requests. Strongly recommend this agent.”
Natalie Ng, Google Review
Patient and professional insurance agency
“I greatly appreciate the patience and professionalism of this insurance agency. They not only answered all my questions but also helped me find the perfect insurance plan for my needs. Highly recommended”
Jade Jade, Google Review
5. Red Cover Life Planning
Address: Level 7, Menara AIA, 68, Jalan Batai Laut 4, Taman Intan
Phone: +60103619298
Business Hours:
- Monday to Sunday – 7 AM to 11:30 PM
Reaching out to Red Cover Life Planning was a straightforward experience. After scanning through their website, we contacted them via the number listed and were quickly connected with one of their senior advisers.
The one assigned to us explained their different policies in plain language, which helped us understand clearly their group health and outpatient coverage. Whether you’re an individual seeking protection or a company looking for a group plan, this provider might be the one you need.
That said, responses can take a while—particularly if you message outside working hours or don’t have all your documents ready. This delay might not be ideal if you’re in a rush or need urgent clarification.
Once you’re in contact, the follow-through is solid.
Red Cover also offers coverage for domestic helpers, which isn’t always available with other agencies. We found that even smaller policy inquiries are treated with equal respect.
Five star service
“Ms Levine is a responsive and trusted agent. Even though my policy request was small, she still gave a 5 star service. I contacted her through the number in this website. Her service was fast (as long as your documents are complete and in order). Thank you Ms Levine for your great service and thank you Red Cover Life Planning for advertising the coverage for domestic helper. It helped me a lot and saved my time.”
Sazrina Shamshudin, Google Review
Very detailed briefing
“Intended to acquire some adequate insurance cover thus search through the Google and by luck, clicked into Red Cover as the name sounds quite catchy. Called and met up with AIA agent Levine Lee the next day. She delivered very detailed briefing and after due consideration signed up for A Plus Health investment policy on the second meeting.”
Seafood “hwarang” seemun, Google Review