{"id":61124,"date":"2026-08-27T19:42:15","date_gmt":"2026-08-27T11:42:15","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=61124"},"modified":"2026-08-27T21:17:46","modified_gmt":"2026-08-27T13:17:46","slug":"mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family","title":{"rendered":"MediAsas Teras vs Fleksi: Which Plan is Best for Your Family?"},"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-6a907f1688e07\" 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-6a907f1688e07\"><\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#Overview_of_the_MediAsas_Scheme\" title=\"Overview of the MediAsas Scheme\">Overview of the MediAsas Scheme<\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#Understanding_the_MediAsas_Teras_Plan_Basic_Plan\" title=\"Understanding the MediAsas Teras Plan (Basic Plan)\">Understanding the MediAsas Teras Plan (Basic Plan)<\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#Understanding_the_MediAsas_Fleksi_Plan_High_Limit_Plan\" title=\"Understanding the MediAsas Fleksi Plan (High Limit Plan)\">Understanding the MediAsas Fleksi Plan (High Limit Plan)<\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#MediAsas_Teras_vs_Fleksi_Key_Differences_at_a_Glance\" title=\"MediAsas Teras vs Fleksi: Key Differences at a Glance\">MediAsas Teras vs Fleksi: Key Differences at a Glance<\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#MediAsas_Teras_vs_Fleksi_Which_Plan_Fits_Your_Family_Budget\" title=\"MediAsas Teras vs Fleksi: Which Plan Fits Your Family Budget?\">MediAsas Teras vs Fleksi: Which Plan Fits Your Family Budget?<\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#MediAsas_Teras_vs_Fleksi_Coverage_Differences\" title=\"MediAsas Teras vs Fleksi: Coverage Differences\">MediAsas Teras vs Fleksi: Coverage Differences<\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\/#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\/mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family\/#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\/mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family\/#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\/mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family\/#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 launch of the affordable MediAsas medical insurance scheme is fantastic news for middle-income earners in Malaysia. However, many parents are naturally starting to wonder about the core differences between the two main options offered. <strong>In this MediAsas Teras vs Fleksi comparison, we break down which plan suits your family best.<\/strong><\/p>\n\n\n\n<p>Therefore, understanding the <strong>MediAsas Teras vs Fleksi<\/strong> comparison is crucial before you register your family members. This guide clearly breaks down the differences in annual coverage limits, premium levels, and suitability based on your household budget.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Overview_of_the_MediAsas_Scheme\"><\/span><strong>Overview of the MediAsas Scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Generally, the MediAsas scheme was designed by the government alongside Bank Negara Malaysia (BNM) to provide a vital healthcare safety net. This basic medical plan is offered at highly affordable premium rates starting from as low as RM65 a month.<\/p>\n\n\n\n<p>To meet different financial needs, the scheme is divided into two main tiers: Teras and Fleksi. Fortunately, both options are guaranteed to have absolutely no lifetime limits, thereby providing sustainable long-term protection.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Understanding_the_MediAsas_Teras_Plan_Basic_Plan\"><\/span><strong>Understanding the MediAsas Teras Plan (Basic Plan)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The MediAsas Teras plan serves as the standard option for individuals or families with a tight monthly budget. This plan provides an annual coverage limit of RM100,000 per policyholder, with premiums starting around RM65.<\/p>\n\n\n\n<p>Interestingly, this annual limit will automatically increase to RM150,000 once the policyholder reaches 60 years of age. For every hospital ward admission, you only need to pay a fixed out-of-pocket deductible of RM500 (along with a strictly capped 20% co-insurance).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Understanding_the_MediAsas_Fleksi_Plan_High_Limit_Plan\"><\/span><strong>Understanding the MediAsas Fleksi Plan (High Limit Plan)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Conversely, the MediAsas Fleksi plan is targeted at those who want greater protection to prepare for critical illness treatment costs. This plan offers a much higher annual limit, amounting to a generous RM300,000.<\/p>\n\n\n\n<p>Because its annual limit is three times larger, the monthly premium rate for the Fleksi plan is naturally higher compared to the Teras plan. However, the ward admission charge structure (RM500 deductible and 20% co-insurance) remains exactly the same.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"MediAsas_Teras_vs_Fleksi_Key_Differences_at_a_Glance\"><\/span><strong>MediAsas Teras vs Fleksi: Key Differences at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The clearest difference between <strong>MediAsas Teras vs Fleksi<\/strong> lies heavily in your long-term financial protection strategy.<\/p>\n\n\n\n<p>The Teras plan focuses on highly affordable monthly premiums, making it incredibly budget-friendly. However, the RM100,000 limit might deplete quickly if your family member undergoes repeated high-risk surgeries. In contrast, the Fleksi plan demands a slightly higher monthly premium commitment, but it provides much stronger peace of mind with RM300,000 in protection.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"MediAsas_Teras_vs_Fleksi_Which_Plan_Fits_Your_Family_Budget\"><\/span><strong>MediAsas Teras vs Fleksi: Which Plan Fits Your Family Budget?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your family is currently struggling with cash flow issues or lacks any existing medical insurance, the MediAsas Teras plan is the safest and most realistic starting point. It grants you immediate coverage without straining your wallet.<\/p>\n\n\n\n<p>However, if your family budget permits, the MediAsas Fleksi plan is a much wiser choice. Private surgery costs in Malaysia are becoming drastically more expensive every year. Having RM300,000 in coverage ensures you will not incur massive debts if a family member suffers from a complex illness.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"MediAsas_Teras_vs_Fleksi_Coverage_Differences\"><\/span>MediAsas Teras vs Fleksi: Coverage Differences<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Coverage Feature<\/strong><\/td><td><strong>MediAsas Teras (Standard)<\/strong><\/td><td><strong>MediAsas Fleksi (Plus)<\/strong><\/td><\/tr><tr><td><strong>Annual Limit<\/strong><\/td><td>RM100,000 (Increases to RM150k at age 60)<\/td><td>RM300,000<\/td><\/tr><tr><td><strong>Lifetime Limit<\/strong><\/td><td>No limit<\/td><td>No limit<\/td><\/tr><tr><td><strong>Ward Admission Deductible<\/strong><\/td><td>RM500<\/td><td>RM500<\/td><\/tr><tr><td><strong>Emergency Case Exemption<\/strong><\/td><td>Waived at Government Hospitals<\/td><td>Waived at Government Hospitals<\/td><\/tr><tr><td><strong>Monthly Premium Level<\/strong><\/td><td>Very Low (Starts ~RM65)<\/td><td>Moderate (Higher than Teras)<\/td><\/tr><tr><td><strong>Best Suited For<\/strong><\/td><td>Families with tight financial budgets<\/td><td>Families wanting guarantees for large hospital bills<\/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 switch from the Teras to the Fleksi plan in the future?<\/strong><\/li><li>Yes, you can upgrade your plan option later. However, the process of upgrading the plan from RM100,000 to RM300,000 may be subject to a strict health reassessment by the insurance company.<br><\/li><li><strong>Do both plans exclude pre-existing conditions?<\/strong><\/li><li>Yes, they do. Whether you choose the Teras or Fleksi plan, both are strictly bound by the 35 major MediAsas exclusions set by the government. This explicitly includes exclusions for all pre-existing conditions.<br><\/li><li><strong>Can I pay for my children&#8217;s plan using my EPF savings?<\/strong><\/li><li>Yes, absolutely. You are allowed to use your EPF Account Sejahtera contributions through the i-Lindung portal to effortlessly subscribe to the MediAsas plans for your immediate family members.<\/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 a more comprehensive understanding, please read the <a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-vs-normal-medical-cards-which-is-better\" target=\"_blank\" rel=\"noreferrer noopener\">comparison guide between MediAsas vs standard medical cards<\/a> to see existing commercial market options. You are also highly recommended to learn exactly <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 the MediAsas co-payment (deductible) system works<\/a> before making your final decision.<\/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 makes it incredibly easy for you to conduct transparent health insurance comparison analyses. Through our centralized database, you can evaluate the pros and cons of various medical plans directly on your screen.<\/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-teras-vs-fleksi-which-plan-is-best-for-your-family\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, you are free to compare medical packages from a comprehensive list of leading insurance companies in Malaysia. Consequently, you can accurately view the differences in annual limits, deductible rates, and premium prices 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, the decision to choose between <strong>MediAsas Teras vs Fleksi<\/strong> depends entirely on your monthly budget and future security needs. The Teras plan excels as a basic safety net at prices as low as RM65, while the Fleksi plan acts as a much stronger RM300,000 shield.<\/p>\n\n\n\n<p>As a caring parent, make sure you evaluate your financial capacity realistically before signing any policy. Compare the best health insurance options for your family effortlessly at <strong><a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family\" 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=mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family\" 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\/mediasas-teras-vs-fleksi-mana-pilihan-terbaik\">MediAsas Teras vs Fleksi: Mana Pilihan Terbaik?<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-bertangguh-insurans-dan-road-tax-apa-anda-perlu-tahu\">Tempoh Bertangguh Insurans dan Road Tax: Apa Anda Perlu Tahu<\/a><br><a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\">MediAsas 35 Major Exclusions: Before You Buy<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Confused about choosing between the MediAsas Teras and Fleksi plans? Follow this complete comparison to determine the most valuable and secure plan for your family.<\/p>\n","protected":false},"author":39,"featured_media":61125,"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 Teras vs Fleksi: Which Plan is Best for Your Family? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Life and Medical Insurance | Read about: MediAsas Teras vs Fleksi: Which Plan is Best for Your Family? 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