Introduction
MediAsas for gig workers provides affordable medical protection for e-hailing drivers, food delivery riders and freelancers in Malaysia. Unlike salaried employees, many gig workers do not receive medical insurance from an employer, so having personal hospital coverage is important.
Health Challenges Without Employer Benefits
As a gig worker or freelancer, you are responsible for your own protection. If you fall ill or have an accident, you may need to pay hospital bills from your savings. That can create serious financial pressure. For that reason, personal health insurance is an important safeguard, not just an extra benefit.
Affordable Premiums as Low as RM65
One of the biggest challenges for independent workers is unstable income. MediAsas is designed with that in mind. Premiums start from RM65 a month.
Because the cost is relatively low, it may be easier to keep the plan active even during slower income months.
Flexible Payments via EPF i-Lindung
MediAsas also works with the EPF Account Sejahtera facility through i-Lindung. This means you can use your EPF savings to pay for monthly or annual premiums. As a result, you can maintain coverage without putting extra strain on your monthly budget. The plan also offers an annual coverage limit of RM100,000, which can help with major hospital expenses.
Quick Comparison: Gig Worker Insurance Options
| Protection Aspect | MediAsas Scheme (Teras Plan) | Conventional Private Medical Card |
| Monthly Premium Burden | Very low (Starts ~RM65) | Quite high (Can burden cash flow) |
| High-Risk Job Approval | Very easily approved | Premiums might be increased (loading) |
| Alternative Payment Mode | Allowed via EPF savings funds | Strictly via cash or credit/debit card |
| Costs During Admission | RM500 deductible & 20% co-insurance (capped at RM1,000 at panel hospitals) | Depends on the policy (Zero deductible exists) |
Frequently Asked Questions (FAQ)
- Can part-time gig workers apply for this scheme?
- Yes. Malaysian citizens can apply whether they work full-time, part-time, or do not have fixed employment.
- Are road accidents during delivery shifts covered?
- Yes, hospital treatment is covered under the plan. However, you should still follow traffic laws, because unsafe driving may affect a claim.
- Will my income fluctuations affect the premium price?
- No. Your premium is based on your age and health status at registration, not on monthly income.
Related Bjak Guides
To further solidify your understanding, please read the detailed comparison between the MediAsas Teras vs Fleksi plans to find the right budget fit. You are also highly advised to carefully study the 35 major exclusions under the MediAsas plan. Additionally, scientifically learn how the co-payment system works.
How Bjak Helps You
Finding a reliable medical policy as an independent worker should never add to your mental burden. The Bjak digital platform is committed to helping Malaysia’s gig economy community review and manage their health protection needs transparently, safely, and swiftly.
On Bjak.my, you are free to compare and subscribe to insurance plans fully recognized by Bank Negara Malaysia (BNM). All policy management tasks, price checks, and protection provider selections can be resolved effortlessly on a single screen.
Conclusion
Gig workers do not receive employer medical benefits, so it is important to arrange your own coverage. MediAsas was built to help close that gap with affordable premiums and transparent costs. Comparing plans early can help protect your income and reduce financial stress.
Also Read:
MediAsas untuk Pekerja Gig & Freelancer: Perlindungan Perubatan
NCD 55% Dijelaskan: Berapa Tahun dan Cara Melindunginya
LHDN MediAsas tax relief: Can you claim your premiums?
