"Are medical costs in Malaysia expensive? Should I go with Japanese insurance?"
Malaysia is a medically advanced country, and its private hospitals have some of the best facilities in the world. However, as foreigners, the medical costs at the private hospitals we visit are not cheap. In this article, we will thoroughly explain the reality of medical expenses faced by immigrants and how to choose the most suitable insurance.
[Conclusion] Choose “credit card insurance” for short-term stays and “local medical insurance” for long-term stays!
- 1First 3 months after moving: Covered by credit card supplementary insurance.
- 2Long-term stay (work, MM2H, etc.): Join local private medical insurance (AIA, Great Eastern, etc.).
- 3Japan's National Health Insurance: If you remove your resident card, you will basically be canceled. Even if you leave the money, please note that the full amount will not be returned under the Overseas Medical Expenses System.
詳しく見ていきましょう。
🏥 Actual status of medical expenses in Malaysia (private hospitals)
Malaysia has national hospitals (very cheap but very crowded) and private hospitals (expensive but quick response and the latest equipment). Japanese people basically use well-equipped private hospitals and clinics that cater to Japanese people.
おおよその医療費目安:
- ●General outpatient treatment for colds and stomachaches: RM 100 to RM 300 (approximately 3,000 yen to 10,000 yen)
- ●Hospitalization for several days (dengue fever, etc.): RM 5,000 to RM 10,000 (approximately 150,000 yen to 300,000 yen)
- ●Surgery such as appendix: RM 20,000 ~ RM 30,000 (approximately 600,000 yen ~ 1 million yen)
Hospitalization and surgery can result in high costs. Therefore, it is essential to have insurance (medical card) that covers hospitalization and surgery.
🛡️ Recommended local medical insurance (medical card)
Malaysia Current অভিবWhen you enroll in local insurance, you will be issued a card called a "Medical Card". If you present this at the counter of an affiliated hospital (panel clinic/hospital), you can receive cashless treatment.
主要な保険会社:
- ●AIA: マレーシア最大手の一つ。 Some plans include a Japanese language support desk, which is overwhelmingly supported by Japanese people.
- ●Great Eastern: Has a long history and a wide variety of plans.
- ●Prudential: Wide range of coverage and reputation for support system.
Insurance premiums depend on your age, but if you are in your 30s or 40s, you can get full coverage for around RM 1,500 to RM 3,000 (approximately 50,000 yen to 100,000 yen) per year.
💡 Bonus tip: Dental treatment is completely self-pay!
What you need to be careful about is dental treatment. Typical local medical insurance does not cover dental treatment (such as cavities).
Private dental clinics in Malaysia tend to be expensive, so we strongly recommend that you complete your dental examination and treatment in Japan before moving to Japan!
To all readers (summary)
It is said that ``health comes first,'' but when living overseas, this word carries a different weight. In order to eliminate anxiety and enjoy life in Malaysia to the fullest, make sure you are fully prepared for medical insurance.
If you feel like ``I feel less anxious about immigration,'' please give me a ``Like'' button at the bottom of the article and follow me.
If you have any questions about medical insurance, please feel free to ask them in the comments section!
