{"id":61071,"date":"2026-08-22T17:06:51","date_gmt":"2026-08-22T09:06:51","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=61071"},"modified":"2026-08-22T17:55:22","modified_gmt":"2026-08-22T09:55:22","slug":"mediasas-co-payments-how-much-do-you-pay-at-the-hospital","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital","title":{"rendered":"MediAsas Co-Payments: How Much Do You Pay at the Hospital?"},"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-6a89ad2575830\" 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-6a89ad2575830\"><\/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\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#Introduction\" title=\"Introduction\">Introduction<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#MediAsas_Co-Payments_What_Are_Deductibles_and_Co-Insurance\" title=\"MediAsas Co-Payments: What Are Deductibles and Co-Insurance?\">MediAsas Co-Payments: What Are Deductibles and Co-Insurance?<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#Hospital_Admissions_Panel_vs_Non-Panel\" title=\"Hospital Admissions: Panel vs Non-Panel\">Hospital Admissions: Panel vs Non-Panel<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#Real-World_Mathematical_Examples\" title=\"Real-World Mathematical Examples\">Real-World Mathematical Examples<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#What_About_Emergency_Admissions\" title=\"What About Emergency Admissions?\">What About Emergency Admissions?<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#Quick_Comparison_MediAsas_Cost-Sharing\" title=\"Quick Comparison: MediAsas Cost-Sharing\">Quick Comparison: MediAsas Cost-Sharing<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#Frequently_Asked_Questions_FAQ\" title=\"Frequently Asked Questions (FAQ)\">Frequently Asked Questions (FAQ)<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#Related_Bjak_Guides\" title=\"Related Bjak Guides\">Related Bjak Guides<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#How_Bjak_Helps_You\" title=\"How Bjak Helps You\">How Bjak Helps You<\/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\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>MediAsas co-payments<\/strong> determine how much you must pay when you are admitted to a hospital under this medical insurance scheme. Although premiums start from RM65 per month, you may still need to pay a RM500 deductible and 20% co-insurance, depending on the hospital and treatment. This guide explains the MediAsas co-payments structure, including panel and non-panel hospital charges, emergency admissions, and estimated out-of-pocket costs.<\/p>\n\n\n\n<p>Before you enroll, you must fully understand how <strong>MediAsas co-payments<\/strong> work. Specifically, this system dictates exactly how much cash you must pay out of your own pocket before the insurance steps in. Consequently, this guide breaks down the math so you can prepare your emergency funds accurately.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"MediAsas_Co-Payments_What_Are_Deductibles_and_Co-Insurance\"><\/span><strong>MediAsas Co-Payments: What Are Deductibles and Co-Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To ensure the MediAsas scheme remains financially sustainable for the country, it utilizes two specific cost-sharing mechanisms for every hospital admission. Understanding these terms is crucial to avoid sudden financial shocks.<\/p>\n\n\n\n<ul><li><strong>Deductible:<\/strong> A fixed cash amount (RM500) that you must pay upfront when you are admitted to the hospital.<\/li><li><strong>Co-Insurance:<\/strong> After paying the deductible, you must pay a small percentage (20%) of the remaining hospital bill. Meanwhile, the insurance covers the other 80%.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Hospital_Admissions_Panel_vs_Non-Panel\"><\/span><strong>Hospital Admissions: Panel vs Non-Panel<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Under the official MediAsas framework, you are subject to the same RM500 deductible and 20% co-insurance rule. This applies whether you hold the basic Teras plan or the upgraded Fleksi plan. However, the primary difference lies in the maximum cap applied to that 20% charge, depending on the hospital you visit:<\/p>\n\n\n\n<ul><li><strong>Panel Hospitals (In-Network):<\/strong> You pay the RM500 deductible plus the 20% co-insurance. Fortunately, that 20% charge is strictly capped at a maximum of RM1,000.<\/li><li><strong>Non-Panel Hospitals (Out-of-Network):<\/strong> You pay the RM500 deductible plus the 20% co-insurance. Here, the cap is much higher, forcing you to pay up to a maximum of RM3,000.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Real-World_Mathematical_Examples\"><\/span><strong>Real-World Mathematical Examples<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let\u2019s simulate a scenario where you undergo surgery, resulting in a total hospital bill of RM20,000.<\/p>\n\n\n\n<p><strong>Scenario A: Treatment at a Panel Hospital<\/strong><\/p>\n\n\n\n<ul><li><strong>Deductible:<\/strong> RM20,000 \u2013 RM500 = Remaining balance of RM19,500.<\/li><li><strong>Calculate 20% Co-insurance:<\/strong> 20% of RM19,500 = RM3,900.<\/li><li><strong>Apply the Cap:<\/strong> Since this is a panel hospital, the RM3,900 charge is reduced to the maximum cap of RM1,000.<\/li><li><strong>Total Out-of-Pocket Cash:<\/strong> RM500 (Deductible) + RM1,000 (Co-insurance) = <strong>RM1,500<\/strong>.<\/li><li><em>(MediAsas pays the remaining RM18,500).<\/em><\/li><\/ul>\n\n\n\n<p><strong>Scenario B: Treatment at a Non-Panel Hospital<\/strong><\/p>\n\n\n\n<ul><li><strong>Deductible:<\/strong> RM20,000 \u2013 RM500 = Remaining balance of RM19,500.<\/li><li><strong>Calculate 20% Co-insurance:<\/strong> 20% of RM19,500 = RM3,900.<\/li><li><strong>Apply the Cap:<\/strong> Since this is a non-panel hospital, the maximum cap is RM3,000. Therefore, you must pay RM3,000.<\/li><li><strong>Total Out-of-Pocket Cash:<\/strong> RM500 (Deductible) + RM3,000 (Co-insurance) = <strong>RM3,500<\/strong>.<\/li><li><em>(MediAsas pays the remaining RM16,500).<\/em><\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_About_Emergency_Admissions\"><\/span><strong>What About Emergency Admissions?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A common misconception is that deductibles are waived during all medical emergencies. In reality, under the MediAsas scheme, deductibles and co-insurance charges are only waived completely if you receive emergency treatment at a Government Hospital.<\/p>\n\n\n\n<p>Conversely, if you are rushed to the emergency room of a Private Hospital, you are still legally required to pay the standard RM500 deductible. Furthermore, the accompanying co-insurance applies regardless of whether it is a panel or non-panel facility.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Quick_Comparison_MediAsas_Cost-Sharing\"><\/span><strong>Quick Comparison: MediAsas Cost-Sharing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Cost-Sharing Feature<\/strong><\/td><td><strong>Private Panel Hospital<\/strong><\/td><td><strong>Private Non-Panel Hospital<\/strong><\/td><td><strong>Government Hospital (Emergency)<\/strong><\/td><\/tr><tr><td><strong>Fixed Deductible<\/strong><\/td><td>RM500<\/td><td>RM500<\/td><td>Fully Waived<\/td><\/tr><tr><td><strong>Co-Insurance Rate<\/strong><\/td><td>20% of the remaining bill<\/td><td>20% of the remaining bill<\/td><td>Fully Waived<\/td><\/tr><tr><td><strong>Co-Insurance Maximum Cap<\/strong><\/td><td>Capped at RM1,000<\/td><td>Capped at RM3,000<\/td><td>No charges applied<\/td><\/tr><tr><td><strong>Maximum Total Out-of-Pocket<\/strong><\/td><td><strong>RM1,500<\/strong><\/td><td><strong>RM3,500<\/strong><\/td><td><strong>RM0<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQ\"><\/span><strong>Frequently Asked Questions (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Does the upgraded Fleksi plan have a higher deductible?<\/strong><\/li><li>No. Both the RM100,000 Teras plan and the RM300,000 Fleksi plan use the exact same RM500 deductible. Additionally, the 20% co-insurance structure applies equally per disability.<br><\/li><li><strong>Do I need to prepare emergency savings before being admitted?<\/strong><\/li><li>Yes, it is highly recommended. Because <strong>MediAsas co-payments<\/strong> rely on a cost-sharing mechanism, you must prepare an emergency cash fund. At least RM1,500 is needed (if planning to use panel hospitals) to ensure smooth admission and discharge processes.<br><\/li><li><strong>Where can I compare these medical plans?<\/strong><\/li><li>You can visit <a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mediasas-co-payments-how-much-do-you-pay-at-the-hospital\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a> to easily compare quotes and benefits side by side. This helps you evaluate the true cost differences between MediAsas and standard private medical cards.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Related_Bjak_Guides\"><\/span><strong>Related Bjak Guides<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For more essential context, read our comprehensive<a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\" target=\"_blank\" rel=\"noreferrer noopener\"> guide on medical insurance basics in Malaysia<\/a>. Understanding how hospital coverage works fundamentally will help you make better financial decisions. Additionally, compare the differences between <a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/medical-insurance-vs-critical-illness-insurance-may-look-similar-but\" target=\"_blank\" rel=\"noreferrer noopener\">medical cards and critical illness cover<\/a> before browsing quotes.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Bjak_Helps_You\"><\/span><strong>How Bjak Helps You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Navigating complex insurance terms like deductibles and co-insurance should not prevent you from securing vital health protection. At Bjak, we prioritize complete transparency in every medical package we showcase to our users.<\/p>\n\n\n\n<p>On <a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mediasas-co-payments-how-much-do-you-pay-at-the-hospital\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, you can easily compare health insurance plans from Malaysia\u2019s top insurers side-by-side on a single screen. Effortlessly analyze policy limits, premium prices, and deductible rates without any hidden fees. Once you find the perfect fit, complete your enrollment 100% online in just minutes!<\/p>\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>In conclusion, the <strong>MediAsas co-payments<\/strong> system is the precise mechanism that allows its monthly premiums to remain incredibly affordable for the masses. It balances public affordability while effectively preventing the exploitation of medical claims.<\/p>\n\n\n\n<p>However, this policy strictly requires you to be disciplined enough to maintain an emergency cash fund (RM1,500 to RM3,500) for unforeseen medical events. Take a few minutes today to evaluate your health risks and compare the best medical coverage options at <strong><a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mediasas-co-payments-how-much-do-you-pay-at-the-hospital\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong>!<\/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=mediasas-co-payments-how-much-do-you-pay-at-the-hospital\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Also Read:<br><a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/sistem-ko-bayaran-mediasas-berapa-banyak-anda-kena-bayar-jika-masuk-wad\">Sistem Ko-Bayaran MediAsas: Berapa Anda Kena Bayar?<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/grace-period-car-insurance-road-tax-malaysia-real-rules\">Grace Period Car Insurance Road Tax Malaysia: Real Rules<\/a><br><a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-vs-normal-medical-cards-which-is-better\">MediAsas vs normal medical cards: Which is better?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Confused by insurance terms like deductibles and co-insurance? Discover exactly how the new MediAsas scheme calculates your out-of-pocket hospital bills.<\/p>\n","protected":false},"author":39,"featured_media":61072,"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":[59,88,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MediAsas Co-Payments: How Much Do You Pay at the Hospital? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Life and Medical Insurance | Read about: MediAsas Co-Payments: How Much Do You Pay at the Hospital? 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