{"id":2397,"date":"2021-09-28T12:37:36","date_gmt":"2021-09-28T04:37:36","guid":{"rendered":"https:\/\/blog.bjak.com\/?p=2397"},"modified":"2026-02-07T13:05:19","modified_gmt":"2026-02-07T05:05:19","slug":"ways-to-get-lower-medical-insurance-premiums","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums","title":{"rendered":"Ways to get lower medical insurance premiums"},"content":{"rendered":"\n<p>Medical insurance is vital for protecting you against rising hospital and treatment costs, but premiums can sometimes feel costly. The good news is there are smart ways to reduce how much you pay <strong>without compromising essential coverage<\/strong>. Here are practical and updated strategies to help you manage your medical insurance premiums in <em>2026 and beyond<\/em>.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7507b3d964\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7507b3d964\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#Here_are_four_ways_to_get_lower_medical_insurance_premiums\" title=\"Here are four ways to get lower medical insurance premiums. \">Here are four ways to get lower medical insurance premiums. <\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#1_Get_your_insurance_early\" title=\"1. Get your insurance early\">1. Get your insurance early<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#%E2%80%98How_much_can_I_save_if_I_get_my_insurance_now%E2%80%99\" title=\"\u2018How much can I save if I get my insurance now?\u2019\">\u2018How much can I save if I get my insurance now?\u2019<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#Get_insured_as_soon_as_you_can_to_save_more_of_your_precious_money\" title=\"Get insured as soon as you can to save more of your precious money!\">Get insured as soon as you can to save more of your precious money!<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#2_Start_with_Coverage_That_Matches_Your_Needs\" title=\"2. Start with Coverage That Matches Your Needs\">2. Start with Coverage That Matches Your Needs<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#%E2%80%98But_paying_less_for_insurance_means_I_won%E2%80%99t_be_getting_sufficient_coverage_right%E2%80%9D\" title=\"\u2018But paying less for insurance means I won\u2019t be getting sufficient coverage, right?\u201d\">\u2018But paying less for insurance means I won\u2019t be getting sufficient coverage, right?\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#%E2%80%98But_what_if_I_want_to_increase_the_coverage_amount_later%E2%80%99\" title=\"\u2018But what if I want to increase the coverage amount later?\u2019\">\u2018But what if I want to increase the coverage amount later?\u2019<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#3_Choose_a_higher_deductible\" title=\"3. Choose a higher deductible\">3. Choose a higher deductible<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#%E2%80%98Wait_what%E2%80%99s_a_%E2%80%98deductible%E2%80%99\" title=\"\u2018Wait, what\u2019s a \u2018deductible?\u2019\">\u2018Wait, what\u2019s a \u2018deductible?\u2019<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#4_Compare_insurance_policies\" title=\"4. Compare insurance policies\">4. Compare insurance policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#5_Consider_Co%E2%80%91Payment_Options\" title=\"5. Consider Co\u2011Payment Options\">5. Consider Co\u2011Payment Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#6_Opt_for_Reimbursement_Plans_When_Available\" title=\"6. Opt for Reimbursement Plans (When Available)\">6. Opt for Reimbursement Plans (When Available)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#7_Maintain_a_Healthy_Lifestyle\" title=\"7. Maintain a Healthy Lifestyle\">7. Maintain a Healthy Lifestyle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#8_Take_Advantage_of_No%E2%80%91Claim_Benefits\" title=\"8. Take Advantage of No\u2011Claim Benefits\">8. Take Advantage of No\u2011Claim Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#9_Use_Group_Insurance_Strategically\" title=\"9. Use Group Insurance Strategically\">9. Use Group Insurance Strategically<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#10_Avoid_Unnecessary_Add%E2%80%91Ons\" title=\"10. Avoid Unnecessary Add\u2011Ons\">10. Avoid Unnecessary Add\u2011Ons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Here_are_four_ways_to_get_lower_medical_insurance_premiums\"><\/span>Here are four ways to get lower medical insurance premiums. <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"4750\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/attachment\/medicalinsurance\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance.webp?fit=1368%2C912&amp;ssl=1\" data-orig-size=\"1368,912\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"medicalinsurance\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance.webp?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance.webp?fit=1024%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1024x683.webp?resize=1024%2C683&#038;ssl=1\" alt=\"Medical insurance helps in covering your hospitalization and treatment costs. Here are ways to get lower medical insurance premiums.\" class=\"wp-image-4750\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance.webp?w=1368&amp;ssl=1 1368w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Get_your_insurance_early\"><\/span>1. Get your insurance early<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5075\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/ways-to-get-lower-medical-insurance-premiums\/attachment\/img_2147\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/img_2147.png?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"img_2147\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/img_2147.png?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/img_2147.png?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/img_2147.png?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-5075\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/img_2147.png?w=800&amp;ssl=1 800w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/img_2147.png?resize=300%2C150&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/img_2147.png?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Age is one of the biggest factors that determine your premium \u2014 younger applicants are generally seen as lower risk by insurers, which means <strong>lower premiums when you start early<\/strong>. Waiting even a decade could mean paying significantly more for the same level of coverage later on.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%98How_much_can_I_save_if_I_get_my_insurance_now%E2%80%99\"><\/span><em>\u2018How much can I save if I get my insurance now<\/em>?\u2019<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>To answer that, consider Efa, a 24-year-old lady working as an administrative officer. For her chosen insurance policy, her monthly premium at her current age is RM160. But say that she decides to get insured 10 years from now, her monthly premium for the exact, same policy increases to RM220! That\u2019s RM60 or 37.5% of her money that she could save! Multiply that amount with 12 months, Efa will find herself wasting RM720 a year!<\/p>\n\n\n\n<p>So what\u2019s the lesson here?<\/p>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"Get_insured_as_soon_as_you_can_to_save_more_of_your_precious_money\"><\/span>Get insured as soon as you can to save more of your precious money!<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Start_with_Coverage_That_Matches_Your_Needs\"><\/span><strong>2. Start with Coverage That Matches Your Needs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Instead of going for the highest coverage possible right away, start with an amount that fits your current budget and health needs. For example, a young and healthy individual typically doesn\u2019t need extremely high limits and can adjust coverage later as income and needs grow.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%98But_paying_less_for_insurance_means_I_won%E2%80%99t_be_getting_sufficient_coverage_right%E2%80%9D\"><\/span><em>\u2018But paying less for insurance means I won\u2019t be getting sufficient coverage, right<\/em>?\u201d<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Not necessarily.&nbsp;<\/p>\n\n\n\n<p>For instance, the 24-year-old Efa may not need up to RM1,000,000 for inpatient treatment annually as she\u2019s young and in the best of health. She can get a much lower premium by slashing the coverage amount of inpatient treatment to say, RM500,000.&nbsp;<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%98But_what_if_I_want_to_increase_the_coverage_amount_later%E2%80%99\"><\/span><em>\u2018But what if I want to increase the coverage amount later?\u2019<\/em><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>That\u2019s a good question! As you get older and your income grows bigger, you can increase your insurance coverage amount depending on your needs at that point.&nbsp;<\/p>\n\n\n\n<p>The bottom line is <strong>you need to balance your medical needs with the amount you\u2019re capable of paying every month<\/strong>. It\u2019s perfectly okay to start with a small coverage. Perhaps a few years down the road, you can consider increasing your coverage when you need it and when you can afford to.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Choose_a_higher_deductible\"><\/span>3. Choose a higher deductible<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The good thing about opting for a higher deductible is you can pay for a significantly lower premium.&nbsp;<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%98Wait_what%E2%80%99s_a_%E2%80%98deductible%E2%80%99\"><\/span>\u2018<em>Wait, what\u2019s a \u2018deductible<\/em>?\u2019<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>A <strong>deductible<\/strong> is the amount you agree to pay out of pocket before the insurer pays the rest. Choosing a higher deductible generally results in <strong>lower premiums<\/strong> because you\u2019re taking on more upfront cost in the event of a claim. Just make sure you can afford the deductible if you\u2019re ever hospitalised.<\/p>\n\n\n\n<p>To give you a better picture of how a \u2018deductible\u2019 works, consider the scenarios below:<\/p>\n\n\n\n<p><strong>Scenario A (Deductible amount: RM500)<\/strong><\/p>\n\n\n\n<p><em>Efa is admitted to a hospital for a minor knee surgery. As her insurance policy stipulates and she agreed that her \u2018<\/em><strong><em>deductible\u2019<\/em><\/strong><em> is RM500, she has to pay RM500 out of RM5,000 of her medical bill while her insurance pays the remaining RM4,500<\/em>.&nbsp;<\/p>\n\n\n\n<p><strong>When Efa&#8217;s deductible amount is RM500, her monthly insurance premium is RM250.<\/strong><\/p>\n\n\n\n<p><strong>Scenario B (Deductible amount: RM1,000)<\/strong><\/p>\n\n\n\n<p><em>Efa is admitted to a hospital for a minor knee surgery. As she asked for her deductible to be RM1,000 and this was agreed by her insurance, she has to pay RM1,000 out of the RM5,000 medical bill while her insurance pays the remaining RM4,000<\/em>.&nbsp;<\/p>\n\n\n\n<p><strong>Meanwhile, when Efa&#8217;s deductible amount is RM1,000, her monthly insurance premium goes down to RM150. That&#8217;s RM100 saved!<\/strong> <strong>In a year, she would save RM1,200!<\/strong><\/p>\n\n\n\n<p>Remember, <em>only<\/em> choose a higher deductible if you certainly can afford to pay for your deductible whenever an unexpected medical emergency arises.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Compare_insurance_policies\"><\/span>4. Compare insurance policies<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Different insurers price similar coverage very differently. By comparing multiple plans and insurers, you can spot better deals \u2014 for example, similar limits with lower premiums, lower waiting periods, or more flexible features. Comparison also helps you avoid plans with unnecessary add\u2011ons.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Consider_Co%E2%80%91Payment_Options\"><\/span><strong>5. Consider Co\u2011Payment Options<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>New regulations in Malaysia now require insurers to offer medical plans with <strong>co\u2011payment features<\/strong> as an option. Co\u2011payment means you share a portion of the claim cost with the insurer \u2014 which can reduce your premium by <strong>19% to 68%<\/strong> depending on the co\u2011payment level selected.<\/p>\n\n\n\n<p>This option can be appealing for budget\u2011conscious buyers, especially if you\u2019re relatively healthy or don\u2019t expect frequent hospital claims. Co\u2011payments usually won\u2019t apply for emergency treatments or critical follow\u2011ups.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Opt_for_Reimbursement_Plans_When_Available\"><\/span><strong>6. Opt for Reimbursement Plans (When Available)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some insurers offer <strong>reimbursement\u2011only plans<\/strong> where you pay first and then claim later, as opposed to cashless at panel hospitals. These plans sometimes come with lower premiums, though they require you to settle bills upfront and claim back later.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"7_Maintain_a_Healthy_Lifestyle\"><\/span><strong>7. Maintain a Healthy Lifestyle<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurers increasingly reward healthy behaviours. Some modern medical plans offer <strong>premium discounts or rewards<\/strong> \u2014 for example, up to around <strong>15% off premium<\/strong> \u2014 when policyholders maintain healthy lifestyles and claim less frequently.<\/p>\n\n\n\n<p>Actions like regular exercise, balanced diet, quitting smoking, and staying at a healthy weight don\u2019t just improve your wellbeing \u2014 they can contribute to <strong>lower insurance costs<\/strong> too.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"8_Take_Advantage_of_No%E2%80%91Claim_Benefits\"><\/span><strong>8. Take Advantage of No\u2011Claim Benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many insurers offer <strong>no\u2011claim discounts<\/strong> or benefits when you don\u2019t make claims during a policy year. This might come in the form of premium reductions at renewal or enhanced coverage without higher costs.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"9_Use_Group_Insurance_Strategically\"><\/span><strong>9. Use Group Insurance Strategically<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your employer offers a group medical plan, that\u2019s a cost\u2011effective first layer of protection. While not a replacement for personal coverage, you can use this <strong>group plan to complement<\/strong> your personal medical card, helping you reduce the amount you need from your own policy.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"10_Avoid_Unnecessary_Add%E2%80%91Ons\"><\/span><strong>10. Avoid Unnecessary Add\u2011Ons<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Riders and extra benefits \u2014 like maternity or extensive outpatient insurance \u2014 add value but also increase premiums. Choose add\u2011ons only if they align with your needs and budget; unnecessary extras can drive your costs up without proportional benefit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Lowering your medical insurance premiums doesn\u2019t mean sacrificing protection. With thoughtful choices \u2014 such as starting early, comparing plans, choosing suitable deductibles, considering co\u2011payment options, and maintaining good health \u2014 you can find a balance between affordability and meaningful coverage.<\/p>\n\n\n\n<p>If you need personalised help finding the right plan that balances your budget and protection needs, BJAK\u2019s advisors are here to help you compare and customise your medical insurance effectively.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\" href=\"https:\/\/bjak.my\/ms\/life?utm_source=blog&amp;utm_medium=&amp;utm_campaign=ways-to-get-lower-medical-insurance-premiums\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Medical insurance helps in covering your hospitalization and treatment costs. Here are ways to get lower medical insurance premiums.<\/p>\n","protected":false},"author":5,"featured_media":1912,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[359],"tags":[42,59,74,141],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ways to get lower medical insurance premiums | BJAK<\/title>\n<meta name=\"description\" content=\"Medical insurance helps in covering your hospitalization and treatment costs. 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