{"id":60990,"date":"2026-08-19T18:51:41","date_gmt":"2026-08-19T10:51:41","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60990"},"modified":"2026-08-19T21:46:54","modified_gmt":"2026-08-19T13:46:54","slug":"mediasas-rm65-skim-insurans-perubatan-baharu-malaysia","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia","title":{"rendered":"Insurans Perubatan MediAsas RM65: Skim Baharu Malaysia"},"content":{"rendered":"\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-6a85f013461d0\" 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-6a85f013461d0\"><\/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\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Apa_Itu_Skim_MediAsas\" title=\"Apa Itu Skim MediAsas?\">Apa Itu Skim MediAsas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Bila_Bermula_dan_Siapa_Boleh_Memohon\" title=\"Bila Bermula dan Siapa Boleh Memohon?\">Bila Bermula dan Siapa Boleh Memohon?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Dua_Pelan_Utama_Teras_vs_Fleksi\" title=\"Dua Pelan Utama: Teras vs Fleksi\">Dua Pelan Utama: Teras vs Fleksi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Memahami_Struktur_Pembayaran_Bersama_Co-Payment\" title=\"Memahami Struktur Pembayaran Bersama (Co-Payment)\">Memahami Struktur Pembayaran Bersama (Co-Payment)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Pengecualian_Polisi_Apa_Yang_Tidak_Dilindungi\" title=\"Pengecualian Polisi: Apa Yang Tidak Dilindungi\">Pengecualian Polisi: Apa Yang Tidak Dilindungi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Perbandingan_Ringkas_MediAsas_Teras_vs_Fleksi\" title=\"Perbandingan Ringkas: MediAsas Teras vs Fleksi\">Perbandingan Ringkas: MediAsas Teras vs Fleksi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Soalan_Lazim_FAQ\" title=\"Soalan Lazim (FAQ)\">Soalan Lazim (FAQ)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Panduan_Bjak_Berkaitan\" title=\"Panduan Bjak Berkaitan\">Panduan Bjak Berkaitan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Bagaimana_Bjak_Membantu_Anda\" title=\"Bagaimana Bjak Membantu Anda\">Bagaimana Bjak Membantu Anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-rm65-skim-insurans-perubatan-baharu-malaysia\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Insurans perubatan MediAsas RM65<\/strong> ialah skim perlindungan kesihatan baharu yang menawarkan perlindungan asas kepada rakyat Malaysia pada premium serendah RM65 sebulan. Dalam panduan ini, kami menerangkan kelayakan, manfaat, had perlindungan, co-payment dan pengecualian polisi MediAsas.<\/p>\n\n\n\n<p>Bagi menangani isu yang semakin meruncing ini, pihak kerajaan bersama Bank Negara Malaysia (BNM) bakal memperkenalkan satu inisiatif baharu. Bermula pada Januari 2027, skim <strong>insurans perubatan MediAsas RM65<\/strong> akan dilancarkan secara rasmi di seluruh negara. Panduan ini menerangkan segala yang anda perlu tahu mengenai pelan ini, termasuklah syarat kelayakan, manfaat, dan batasannya supaya anda tidak tersalah anggap.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Skim_MediAsas\"><\/span><strong>Apa Itu Skim MediAsas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>MediAsas merupakan satu pelan insurans dan takaful perubatan sukarela yang direka khusus untuk rakyat Malaysia berpendapatan sederhana. Tidak seperti polisi berkaitan pelaburan (<em>investment-linked<\/em>), ia hanya memfokuskan perlindungan perubatan asas bagi memastikan kadar premium kekal murah.<\/p>\n\n\n\n<p>Oleh hal yang demikian, kadar premium asas pelan ini ditawarkan pada harga serendah RM65 sebulan. Ia bertindak sebagai jaringan keselamatan penting yang melengkapi sistem penjagaan kesihatan awam sedia ada, dan bukannya untuk menggantikan hospital kerajaan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bila_Bermula_dan_Siapa_Boleh_Memohon\"><\/span><strong>Bila Bermula dan Siapa Boleh Memohon?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selepas melalui fasa perintis yang berjaya di Lembah Klang pada pertengahan 2026, pelancaran penuh di seluruh negara dijadualkan pada Januari 2027. Menariknya, syarat kelayakan untuk menyertai skim perlindungan ini sangat meluas dan inklusif.<\/p>\n\n\n\n<p>Mana-mana rakyat Malaysia yang layak boleh mendaftar secara sukarela pada bila-bila masa sebelum mencapai usia 70 tahun. Tambahan pula, perlindungan perubatan ini dijamin akan berterusan sehingga pemegang polisi mencecah umur 85 tahun.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dua_Pelan_Utama_Teras_vs_Fleksi\"><\/span><strong>Dua Pelan Utama: Teras vs Fleksi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Skim ini menawarkan dua pilihan pelan utama bagi memenuhi pelbagai tahap keperluan kesihatan. Pelan standard yang dikenali sebagai <em>MediAsas Teras<\/em> menawarkan had perlindungan tahunan sebanyak RM100,000, dan ia akan meningkat kepada RM150,000 selepas anda berumur 60 tahun.<\/p>\n\n\n\n<p>Sebaliknya, pelan <em>MediAsas Fleksi<\/em> menawarkan pilihan yang lebih premium dengan had tahunan yang jauh lebih tinggi iaitu RM300,000. Lebih melegakan, kedua-dua pilihan pelan ini tidak mempunyai sebarang had seumur hidup (<em>lifetime limit<\/em>).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Memahami_Struktur_Pembayaran_Bersama_Co-Payment\"><\/span><strong>Memahami Struktur Pembayaran Bersama (Co-Payment)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bagi memastikan kelestarian jangka panjang, MediAsas menggunakan sistem pembayaran bersama (<em>co-payment<\/em>) dua peringkat. Jika anda mendapatkan rawatan di hospital swasta panel, anda hanya perlu membayar deduktibel tetap sebanyak RM500 untuk setiap hilang upaya atau kemasukan.<\/p>\n\n\n\n<p>Walau bagaimanapun, jika anda memilih hospital bukan panel, anda perlu membayar deduktibel RM500 berserta 20% bayaran bersama yang dihadkan maksimum pada paras RM3,000. Selain itu, klausa perlindungan &#8220;no-look back&#8221; membolehkan anda menukar syarikat insurans tanpa kehilangan kesinambungan perlindungan semasa anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pengecualian_Polisi_Apa_Yang_Tidak_Dilindungi\"><\/span><strong>Pengecualian Polisi: Apa Yang Tidak Dilindungi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun pelan ini sangat berpatutan, pengguna perlu faham bahawa ia bukanlah sebuah perlindungan kesihatan sejagat yang menyeluruh. Menurut dokumentasi rasmi BNM, skim MediAsas didatangkan dengan 35 pengecualian utama. Antara pengecualian yang paling penting untuk diambil maklum termasuklah:<\/p>\n\n\n\n<ul><li><strong>Penyakit Sedia Ada (<em>Pre-existing Conditions<\/em>):<\/strong> Jika anda telah didiagnosis dengan sesuatu penyakit sebelum tarikh pendaftaran polisi, sebarang rawatan yang berkaitan dengan penyakit tersebut umumnya tidak akan dilindungi.<br><\/li><li><strong>Kesihatan Mental:<\/strong> Pelan perlindungan asas ini tidak menanggung sebarang rawatan untuk gangguan psikiatri, mental, mahupun masalah saraf.<br><\/li><li><strong>Materniti dan Pergigian:<\/strong> Sama seperti kebanyakan insurans komersial lain, penjagaan pergigian rutin, penjagaan kehamilan, serta rawatan komplikasi bersalin adalah dikecualikan sama sekali.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbandingan_Ringkas_MediAsas_Teras_vs_Fleksi\"><\/span><strong>Perbandingan Ringkas: MediAsas Teras vs Fleksi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Ciri Perlindungan<\/strong><\/td><td><strong>MediAsas Teras (Asas)<\/strong><\/td><td><strong>MediAsas Fleksi (Tambahan)<\/strong><\/td><\/tr><tr><td><strong>Had Tahunan<\/strong><\/td><td>RM100,000 (RM150k selepas umur 60)<\/td><td>RM300,000<\/td><\/tr><tr><td><strong>Had Seumur Hidup<\/strong><\/td><td>Tiada had<\/td><td>Tiada had<\/td><\/tr><tr><td><strong>Deduktibel Panel<\/strong><\/td><td>RM500 setiap kemasukan<\/td><td>RM500 setiap kemasukan<\/td><\/tr><tr><td><strong>Pengecualian<\/strong><\/td><td>Terpakai (35 pengecualian utama)<\/td><td>Terpakai (35 pengecualian utama)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span><strong>Soalan Lazim (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Bolehkah saya bayar menggunakan caruman KWSP?<\/strong><\/li><li>Ya, sudah tentu. Bagi meringankan beban komitmen kewangan, pemegang polisi diberi fleksibiliti untuk membayar premium bulanan terus melalui pengeluaran Akaun Sejahtera KWSP mereka.<br><\/li><li><strong>Apakah yang dimaksudkan dengan klausa &#8220;no-look back&#8221;?<\/strong><\/li><li>Klausa perlindungan pengguna ini membolehkan anda menurunkan taraf polisi atau menukar syarikat insurans tanpa kehilangan rekod perlindungan semasa. Ia secara langsung mengelakkan anda daripada dikenakan tempoh menunggu (<em>waiting period<\/em>) yang baharu.<br><\/li><li><strong>Adakah saya masih boleh pergi ke hospital kerajaan?<\/strong><\/li><li>Ya, anda sentiasa dialu-alukan. Skim ini direka khusus untuk melengkapi, bukan menggantikan, sistem penjagaan kesihatan awam. Liputan Kesihatan Sejagat tetap akan disediakan oleh kerajaan untuk semua rakyat Malaysia tanpa syarat.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Panduan_Bjak_Berkaitan\"><\/span><strong>Panduan Bjak Berkaitan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk menimba pemahaman yang lebih mendalam, sila baca <a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\">panduan asas insurans perubatan<\/a> bagi mengetahui cara polisi kesihatan berfungsi. Anda juga disarankan untuk membaca <a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/cara-dapat-premium-insurans-perubatan-pada-harga-rendah\"><\/a><a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/cara-dapat-premium-insurans-perubatan-pada-harga-rendah\">Cara Dapat Premium Insurans Perubatan Pada Harga Rendah<\/a>, serta perbezaan ketara antara <a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\" target=\"_blank\" rel=\"noreferrer noopener\">kad perubatan vs insurans penyakit kritikal<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Bjak_Membantu_Anda\"><\/span><strong>Bagaimana Bjak Membantu Anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Platform Bjak memudahkan anda mencari perlindungan perubatan yang paling sempurna untuk diri dan ahli keluarga. Di <a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=panduan-lengkap-mediasas-penjelasan-skim-insurans-perubatan-rm65-baharu-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, anda boleh membandingkan sebut harga insurans kesihatan daripada pelbagai syarikat insurans terkemuka Malaysia di satu tempat yang sama.<\/p>\n\n\n\n<p>Oleh itu, anda boleh mendapatkan perlindungan terbaik mengikut bajet poket anda tanpa perlu berurusan dengan kertas kerja yang rumit atau ejen fizikal. Sama ada anda mencari perlindungan penghospitalan asas atau perlindungan komprehensif, Bjak membantu anda memperbaharui polisi 100% secara dalam talian!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kesimpulannya, skim MediAsas yang bakal dilancarkan kelak merupakan inisiatif hebat buat rakyat Malaysia yang perlukan alternatif penjagaan kesihatan. Dengan tawaran premium bermula dari RM65 sahaja, ia menyediakan jaring keselamatan asas bagi mendepani inflasi perubatan.<\/p>\n\n\n\n<p>Walau bagaimanapun, jadilah pengguna yang bijak dengan memahami sepenuhnya segala syarat pengecualian polisi sebelum mendaftar. Sementara menunggu tahun 2027, anda boleh membandingkan pelan insurans kesihatan sedia ada dengan pantas dan selamat di <strong><a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=panduan-lengkap-mediasas-penjelasan-skim-insurans-perubatan-rm65-baharu-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong> hari ini!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=panduan-lengkap-mediasas-penjelasan-skim-insurans-perubatan-rm65-baharu-malaysia\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Baca Juga:<br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/comparing-quotes-from-10-insurers-how-bjak-works\">Comparing Quotes from 10+ Insurers: How Bjak Works<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-epp-vs-bnpl-instalment-options-compared\">Car Insurance EPP vs BNPL: Instalment Options Compared<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-expiry-is-there-a-grace-period\">Car Insurance Expiry: Is There a Grace Period?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tertekan dengan kos rawatan dan perubatan yang semakin meningkat? MediAsas ialah pelan insurans kesihatan baharu yang mampu milik bermula dari hanya RM65 sebulan.<\/p>\n","protected":false},"author":39,"featured_media":60991,"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":[351],"tags":[26,93,95],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans Perubatan MediAsas RM65: Skim Baharu Malaysia | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Nyawa dan Perubatan | Read about: Insurans Perubatan MediAsas RM65: Skim Baharu Malaysia Ketahui segala-galanya tentang skim MediAsas, insurans perubatan RM65 baharu di Malaysia bermula Januari 2027. 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