{"id":61106,"date":"2026-08-26T19:15:33","date_gmt":"2026-08-26T11:15:33","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=61106"},"modified":"2026-08-26T19:15:38","modified_gmt":"2026-08-26T11:15:38","slug":"before-you-buy-the-35-major-exclusions-of-the-mediasas-plan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan","title":{"rendered":"MediAsas 35 Major Exclusions: Before You Buy"},"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-6a8edd5623b1b\" 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-6a8edd5623b1b\"><\/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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#Why_Do_These_Exclusions_Exist\" title=\"Why Do These Exclusions Exist?\">Why Do These Exclusions Exist?<\/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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#The_Issue_of_Pre-Existing_Conditions\" title=\"The Issue of Pre-Existing Conditions\">The Issue of Pre-Existing Conditions<\/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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#Mental_and_Nervous_Disorders\" title=\"Mental and Nervous Disorders\">Mental and Nervous Disorders<\/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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#Maternity_Pregnancy_and_Dental_Care\" title=\"Maternity, Pregnancy, and Dental Care\">Maternity, Pregnancy, and Dental Care<\/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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#Cosmetic_Surgery_and_Alternative_Medicine\" title=\"Cosmetic Surgery and Alternative Medicine\">Cosmetic Surgery and Alternative Medicine<\/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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#Quick_Comparison_Covered_vs_Excluded\" title=\"Quick Comparison: Covered vs Excluded\">Quick Comparison: Covered vs Excluded<\/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\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#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-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#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-10\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#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-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\/#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>The <strong>MediAsas 35 major exclusions<\/strong> are important conditions to understand before enrolling in this affordable medical protection plan. Although premiums start from RM65 a month, the plan does not cover every illness, treatment or medical expense. This guide explains the most important exclusions, including pre-existing conditions, mental health treatment, maternity care, dental treatment and alternative medicine.<\/p>\n\n\n\n<p>Therefore, you must carefully review the <strong>MediAsas 35 major exclusions<\/strong> set by Bank Negara Malaysia (BNM) before registering. Consequently, this guide uncovers some of the most critical exclusions so you are not shocked when a medical claim gets rejected later.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_These_Exclusions_Exist\"><\/span><strong>Why Do These Exclusions Exist?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Logically, these strict exclusion conditions exist to ensure the long-term financial sustainability of the insurance fund. To keep the premium price as low as RM65, insurance companies must limit coverage exclusively to truly critical physical illnesses.<\/p>\n\n\n\n<p>If no exclusions were implemented, the scheme&#8217;s funds would deplete rapidly due to excessive medical claims. As a result, the government and insurers would be forced to raise monthly premiums, which would ultimately burden the public.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"The_Issue_of_Pre-Existing_Conditions\"><\/span><strong>The Issue of Pre-Existing Conditions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The most important exclusion you must understand involves pre-existing conditions. If you were diagnosed or received treatment for an illness before your policy enrollment date, it will not be covered at all.<\/p>\n\n\n\n<p>For instance, if you already have diabetes before joining this plan, any hospital treatment for related complications will be rejected. Therefore, you must honestly declare your true health status during registration to avoid sudden policy cancellations.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Mental_and_Nervous_Disorders\"><\/span><strong>Mental and Nervous Disorders<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Furthermore, mental health protection is another major limitation of this basic medical scheme. This plan completely excludes any form of treatment for psychiatric disorders, mental illnesses, or nervous system issues.<\/p>\n\n\n\n<p>This means treatment costs for conditions like severe depression, schizophrenia, or anxiety must be paid entirely out of your own pocket. Instead, this plan solely focuses on funding ward admissions for physical injuries and infectious diseases.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Maternity_Pregnancy_and_Dental_Care\"><\/span><strong>Maternity, Pregnancy, and Dental Care<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Additionally, married couples need to note that maternity care is completely excluded from the policy. Any costs for routine pregnancy check-ups, normal delivery processes, or surgical complications during childbirth will not be covered.<\/p>\n\n\n\n<p>Moreover, dental and optical care are also clearly listed within the <strong>MediAsas 35 major exclusions<\/strong>. You cannot make claims for standard dental treatments unless the jaw injury directly results from a severe road accident.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cosmetic_Surgery_and_Alternative_Medicine\"><\/span><strong>Cosmetic Surgery and Alternative Medicine<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Finally, all types of cosmetic or plastic surgeries intended for beauty enhancement are strictly prohibited. Similarly, weight management procedures, such as bariatric surgery, will not be approved for any claims.<\/p>\n\n\n\n<p>Additionally, this scheme only recognizes registered modern medical treatments based on standard Western hospital practices. Consequently, alternative medical treatment costs, such as acupuncture, chiropractic sessions, and traditional herbal medicine, are fully excluded.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Quick_Comparison_Covered_vs_Excluded\"><\/span><strong>Quick Comparison: Covered vs Excluded<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Treatment Category<\/strong><\/td><td><strong>Coverage Status<\/strong><\/td><td><strong>MediAsas Policy Notes<\/strong><\/td><\/tr><tr><td><strong>Dengue Ward Admission<\/strong><\/td><td>Covered<\/td><td>Subject to an RM500 deductible<\/td><\/tr><tr><td><strong>Pre-Existing Conditions<\/strong><\/td><td>Excluded<\/td><td>Completely rejected by the system<\/td><\/tr><tr><td><strong>Accident Surgery<\/strong><\/td><td>Covered<\/td><td>Covered according to annual policy limits<\/td><\/tr><tr><td><strong>Psychiatric \/ Mental Treatment<\/strong><\/td><td>Excluded<\/td><td>Not included in the coverage scope<\/td><\/tr><tr><td><strong>Maternity \/ Pregnancy Complications<\/strong><\/td><td>Excluded<\/td><td>Costs must be borne by the patient<\/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>Can I appeal if my claim falls under the exclusion list?<\/strong><\/li><li>No, you cannot. The <strong>MediAsas 35 major exclusions<\/strong> list is a definitive standard set and approved directly by BNM. Insurance companies simply do not have the authority to approve any exclusions stated in the contract.<br><\/li><li><strong>Are extreme sports injuries covered?<\/strong><\/li><li>Generally, most medical insurance, including this scheme, excludes treatments for injuries caused by high-risk extreme sports. This strictly includes activities like motor racing, skydiving, and snowy mountain climbing.<br><\/li><li><strong>Where can I read the full list of these 35 exclusions?<\/strong><\/li><li>The full list can be read inside the official policy wording document that will be released soon. You are required to read the Product Disclosure Sheet (PDS) carefully before agreeing to sign any documents.<\/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>To deepen your risk management knowledge, please read our <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> to understand consumer rights. You are also highly advised to study <a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-co-payments-how-much-do-you-pay-at-the-hospital\" target=\"_blank\" rel=\"noreferrer noopener\">How Much Do You Pay MediAsas Co-Payments at the Hospital?<\/a> so you are better prepared with emergency cash. Additionally, evaluate the significant 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\">conventional medical cards vs critical illness insurance<\/a>.<\/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>The Bjak smart digital platform always prioritizes full transparency for every financial protection product displayed. Therefore, we ensure you are constantly informed about difficult terms like exclusion conditions and hidden clauses.<\/p>\n\n\n\n<p>On <a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, you are free to compare various health insurance packages and read product disclosure sheets easily. You can effectively analyze every policy limit and premium price before making any commitment 100% online!<\/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, this RM65 plan scheme is an excellent initiative to provide a basic protection safety net for the public. However, its incredibly cheap price naturally comes with very strict limitation conditions.<\/p>\n\n\n\n<p>As a smart consumer, having a deep understanding of this exclusion list will save you from future losses and disappointments. Take proactive steps by comparing the most comprehensive protection for your family on <strong><a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong> today!<\/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=before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\" 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\/35-pengecualian-utama-mediasas-sebelum-beli\">35 pengecualian utama MediAsas: Sebelum Beli<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/p-licence-car-insurance-in-malaysia-new-driver-guide\">P Licence Car Insurance in Malaysia: New Driver Guide<\/a><br><a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-job-loss-how-to-keep-your-medical-coverage\">MediAsas Job Loss: How to Keep Your Medical Coverage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The RM65 medical scheme is highly affordable, but it does not cover everything. Learn the most critical exclusions before making any financial commitment.<\/p>\n","protected":false},"author":39,"featured_media":61107,"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 35 Major Exclusions: Before You Buy | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Life and Medical Insurance | Read about: MediAsas 35 Major Exclusions: Before You Buy Discover the MediAsas 35 major exclusions before you enroll. 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