Introduction
MediAsas EPF payment allows eligible Malaysians to pay for their MediAsas medical insurance using savings from their EPF Account Sejahtera. This guide explains the eligibility requirements, i-Lindung application steps, and what happens if your Account Sejahtera balance is insufficient.
Under this plan, the government launched the MediAsas basic medical scheme as an affordable safety net. Furthermore, they integrated this scheme with the Employees Provident Fund (EPF) to make premium payments much easier. If you want to know how to pay MediAsas EPF Account Sejahtera, this guide explains the process simply and securely.
How Does MediAsas EPF Payment Work Through Account Sejahtera?
This MediAsas EPF payment option is voluntary and requires your approval before any deduction is made. The government restructured the EPF savings system in May 2024. During this update, they officially rebranded Account 2 as Account Sejahtera. Specifically, this account receives 15% of your monthly contributions. You must use it strictly for pre-retirement needs. For example, it finances health and insurance protection through the i-Lindung platform.
Crucially, using Account Sejahtera to pay for MediAsas is 100% voluntary. EPF will never force you into it. They also will not make automatic deductions without your explicit consent. Most importantly, your Retirement Account (Account 1) remains completely safe. This guarantees that you fully protect 75% of your core retirement savings.
Eligibility to Pay MediAsas EPF Account Sejahtera
Before you can utilize your funds for a MediAsas plan, you must meet these basic requirements:
- You must be a Malaysian citizen and a registered EPF member.
- You need to download and activate the official EPF i-Akaun mobile app.
- Your Account Sejahtera must have a sufficient savings balance to cover the premium.
How to Pay via the EPF i-Akaun App
You will conduct the entire subscription process digitally through the i-Lindung function. Here are the simple steps you need to follow:
- Log In: Open your EPF i-Akaun app and click on the “i-Lindung” menu.
- Select Profile: Choose the individual who needs coverage (yourself or a family member).
- Choose MediAsas Plan: Select your preferred medical tier (MediAsas Teras or Fleksi).
- Confirm Deduction: Review the premium and authorize the direct deduction from your account.
Insufficient Balance Risks & The Flexible Account Solution
This payment method significantly eases your monthly cash flow. However, you must consistently monitor your balance. If your savings run low when your renewal date arrives, your plan faces a high risk of lapsing.
Pro Tip (Utilizing Flexible Account / Account 3):
If your balance falls short, you can smartly utilize your Flexible Account (Account 3). You can manually withdraw cash from Account 3 into your personal bank account at any time. Subsequently, you use these funds to pay the remaining premium. This proactive step ensures your health coverage remains uninterrupted.
Quick Comparison: Paying via EPF vs Cash
| Management Feature | Via EPF Account Sejahtera | Using Cash / Credit Card |
| Cash Flow Impact | Zero impact on daily salary | Reduces your monthly disposable income |
| Participation Status | 100% Voluntary | Based on personal financial commitment |
| Savings Security | Retirement Account (Account 1) is completely safe | Depends on your personal bank account management |
| Management Platform | EPF i-Akaun App (via i-Lindung) | Official insurer portal / Bjak System |
| Family Coverage | Valid for immediate family members only | Can be purchased commercially for various dependents |
Frequently Asked Questions (FAQ)
- Can I pay for my family’s MediAsas insurance using my EPF?
- Yes, you can. Following the latest i-Lindung update, contributors may purchase coverage for immediate family members. This strictly includes your spouse, children, parents, and biological siblings.
- Will my retirement pension (Account 1) decrease?
- No, not at all. EPF deducts payments exclusively from Account 2. Thus, the massive 75% savings securely locked in Account 1 remains completely untouched.
- What happens if my Account Sejahtera balance suddenly depletes?
- The system simply cannot make the automatic deduction. However, you can proactively transfer funds from Account 3 to your bank account. Alternatively, you can pay the premium directly online via debit or credit card.
Related Bjak Guides
For a more comprehensive understanding, please read our guide on medical insurance basics. This helps you learn exactly how health policies function. Moreover, we highly encourage you to study What is MediAsas? Malaysia’s New RM65 Medical Insurance so you remain prepared for a new thing.
How Bjak Helps You
The Bjak platform fully supports all financial literacy initiatives driven by the government’s RESET Strategy. Whether you plan to finance your protection through EPF deductions or prefer an open-market plan, we stand ready to assist you.
On Bjak.my, you can freely compare competitive health plans from top national insurers. Consequently, you can review every detail, claim limit, and premium price with 100% transparency entirely online!
Conclusion
In conclusion, allowing Account Sejahtera withdrawals for medical insurance is a smart financial move. It helps Malaysians secure essential health guarantees without sacrificing their daily budget.
Since Account 1 remains absolutely safe, it acts as a brilliant choice for personal financial risk management. If you want more comprehensive coverage, take a few minutes to compare your options on Bjak.my today!
Also Read:
Bayar MediAsas Akaun Sejahtera KWSP: Panduan Lengkap
Bayar Insurans Kereta Secara Ansuran — EPP vs BNPL di Bjak
What is MediAsas? Malaysia’s New RM65 Medical Insurance
