What’s the healthcare system like in Malaysia? I get this question a LOT and it’s time to share my experience…
This video is targeted to fellow Westerners (or any foreigners) who are considering moving to, visiting or retiring in Malaysia and may have a similar experience to me. As an Australian, I’ve had many frustrations with the country’s health system. It’s expensive and wasteful. Private health insurance does not cover many of the things you’d expect.
When I moved to Malaysia two years ago from Sydney I was honestly blown away by how well I was treated by GPs (kliniks), specialist doctors, surgeons, and physiotherapists. Health insurance in Malaysia is excellent and covers a lot more than in Australia.
This is my honest comparison based on my experience. My health insurance is covered by work so I do not pay for it myself out of pocket. If you’re a local Malaysian, please share your experience and knowledge in the comments so we can all learn. Check it out:
0:59 – GPs (General Practitioners, Family Doctors, Primary Care Physicians)
3:42 – Specialist Doctors (Surgeons, Radiology, Booking Times)
7:19 – Health Insurance (Medical Insurance, Cost & Coverage)
I am not an expert on Malaysia (yet), and I may get some things wrong, but this is my authentic opinion based on my experiences. Please correct me in the comments and we can all learn more about Malaysia.
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In this video, Haziq, a life planner from AIA Malaysia, explains why medical expenses in private hospitals in Malaysia tend to be higher than those in government hospitals.
He discusses factors such as the quality of care, facilities, insurance, competition, and profit. He also emphasizes the importance of weighing the benefits of private care against the costs when making decisions about medical treatment.
In this video, Haziq, a life planner from AIA Malaysia, explains why medical expenses in private hospitals in Malaysia tend to be higher than those in government hospitals.
He discusses factors such as the quality of care, facilities, insurance, competition, and profit. He also emphasizes the importance of weighing the benefits of private care against the costs when making decisions about medical treatment.
‼️𝐋𝐈𝐀𝐁𝐈𝐋𝐈𝐓𝐘 𝐃𝐈𝐒𝐂𝐋𝐀𝐈𝐌𝐄𝐑‼️: While we have done our best to share our gathered data with you, we are not responsible for any errors or omissions, or for the results obtained using this information. All information is provided “AS-IS,” with no guarantee of completeness, accuracy, timeliness, or for the results obtained using this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose. In no event will we be liable to you or anyone else for any decision made or action taken in reliance on the information for any consequential, special or similar damages. Any reliance on the information in our videos or the comments below is strictly at your own risk. Instead, you should consult with legal, medical, financial, tax, and/or other such appropriate professionals familiar with your unique and detailed factual situation before taking any actions.
‼️𝐂𝐎𝐒𝐓 𝐎𝐅 𝐋𝐈𝐕𝐈𝐍𝐆 𝐃𝐈𝐒𝐂𝐋𝐀𝐈𝐌𝐄𝐑‼️: Our cost of living estimates include only the cheapest food, rent, and local transportation. It does not include medical insurance or any other expenses. Before moving here, you must do a temporary exploratory site visit in order to accurately calculate your personal cost of living here for all costs for your lifestyle and needs. Plus, make sure you have access to significant additional savings in case you face an emergency.
Then you need to look at – Private Healthcare and Facilities Act 2006, 13th Schedule.
It has been 12 long years, and the last Fee schedule in force (the MMA 4th schedule) was in 2002, and this was incorporated into the Private Healthcare and Facilities Act 2006, 13th Schedule.
The medical fee schedule (which translates to hospitalization, treatment & surgical procedure costs) spells out the maximum allowable fees charged by the medical profession for consultations and procedures.
It is very different from other professional fee schedules like the lawyers which spells out the minimum fees to be charged (obviously the lawyers are cleverer than doctors in this respect)
Nevertheless, the reality is that market forces has it such that General Physicians (GPs) in particular hardly charge their consultation fees and compensate this with medicines sold at the clinic. When it comes to separation of dispensing (which may eventually be implemented in Malaysia following developed countries like US or UK), things will change as GPs may have no choice but to charge their consultation fees and patients collect medicines from pharmacies.
At a time when everything is going up in price (tolls, food, fuel etc) this would seem like a bad time and one can understand the outcry: Higher medical bills after hush-hush hike by gov’t. Actually one can understand 12 years is a long time for any medical consultation fee increase.
Before anyone goes doctor bashing, do note
1) The bulk of medical fees for hospitalisation comprise hospital charges which remain unregulated to date.
2) The amendment to the fee schedule only affects doctors whose fees remain regulated by law.
3) The public must take note that they should have healthcare insurance which is unfortunately still not compulsory in this country. This is imperative as it is silly to have to pay out of your pocket when major illness strikes.
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