{"id":61155,"date":"2026-08-29T13:38:53","date_gmt":"2026-08-29T05:38:53","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=61155"},"modified":"2026-08-29T13:38:57","modified_gmt":"2026-08-29T05:38:57","slug":"medical-insurance-for-retirees-is-mediasas-the-best-solution","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/medical-insurance-for-retirees-is-mediasas-the-best-solution","title":{"rendered":"<strong>Medical Insurance for Retirees: Is MediAsas the Best Solution?<\/strong>"},"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-6a9294436a042\" 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-6a9294436a042\"><\/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\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#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\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#The_Advantage_of_Senior_Annual_Limits\" title=\"The Advantage of Senior Annual Limits\">The Advantage of Senior Annual Limits<\/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\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#The_Critical_Issue_Pre-Existing_Conditions\" title=\"The Critical Issue: Pre-Existing Conditions\">The Critical Issue: 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\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#Deductible_Increases_at_Age_61\" title=\"Deductible Increases at Age 61\">Deductible Increases at Age 61<\/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\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#Quick_Comparison_Retiree_Insurance_Options\" title=\"Quick Comparison: Retiree Insurance Options\">Quick Comparison: Retiree Insurance Options<\/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\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#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-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#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-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#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-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/medical-insurance-for-retirees-is-mediasas-the-best-solution\/#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>Healthcare costs for senior citizens in Malaysia are sharply increasing every single year. After retirement, the sudden drop in monthly income often forces many individuals to cancel their increasingly expensive commercial insurance policies. Therefore, the suitability of <strong>MediAsas for retirees<\/strong> is now a hot topic for those seeking affordable medical security.<\/p>\n\n\n\n<p>In the face of this living cost crisis, the launch of the basic MediAsas protection scheme offers a ray of hope. With its significantly cheaper price tag, can it truly serve as the ultimate medical solution for retirees? Let us carefully examine its benefits and challenges.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"The_Advantage_of_Senior_Annual_Limits\"><\/span><strong>The Advantage of Senior Annual Limits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The main attraction of the MediAsas plan (specifically the Teras plan) is its coverage limit adjustment designed to support the aging phase. Automatically, a policyholder&#8217;s annual limit will increase from RM100,000 to RM150,000 once they reach 60 years of age. This drastic increase is highly relevant to cover the rising treatment risks that come with old age.<\/p>\n\n\n\n<p>Furthermore, the monthly premium starting as low as RM65 makes it an incredibly affordable protection option. This stable pricing brings immense relief to retirees who must carefully plan their expenses using limited pension funds.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"The_Critical_Issue_Pre-Existing_Conditions\"><\/span><strong>The Critical Issue: Pre-Existing Conditions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>However, the biggest challenge for the approval of <strong>MediAsas for retirees<\/strong> is the strict pre-existing conditions policy. Just like other commercial insurance policies, this scheme will not cover any treatment costs for chronic illnesses that were present before enrollment.<\/p>\n\n\n\n<p>Considering that the majority of senior citizens already have medical records for conditions like diabetes or high blood pressure, any claims related to these illnesses will be rejected. Therefore, in reality, this plan is targeted primarily at soon-to-be retirees or seniors who are still physically healthy.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Deductible_Increases_at_Age_61\"><\/span><strong>Deductible Increases at Age 61<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To balance the annual limit increase to RM150,000, the policy&#8217;s co-payment system is also revised as you age. Starting at age 61, the deductible rate (upfront out-of-pocket payment) for ward admissions will increase from RM500 to RM1,000 per registration.<\/p>\n\n\n\n<p>Consequently, retirees must ensure they always have sufficient emergency cash funds available. You are highly recommended to maintain a cash savings of at least RM2,000 in the bank to comfortably cover these deductible costs during emergencies.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Quick_Comparison_Retiree_Insurance_Options\"><\/span><strong>Quick Comparison: Retiree Insurance Options<\/strong><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 Plan (Retiree)<\/strong><\/td><td><strong>Standard Private Medical Card<\/strong><\/td><\/tr><tr><td><strong>Premium Rate<\/strong><\/td><td>Very low and affordable<\/td><td>Very high (increases drastically with age)<\/td><\/tr><tr><td><strong>Annual Limit<\/strong><\/td><td>RM150,000 (Starting at age 60)<\/td><td>RM500,000 to over RM1 Million<\/td><\/tr><tr><td><strong>Pre-Existing Conditions<\/strong><\/td><td>Strictly excluded<\/td><td>Strictly excluded<\/td><\/tr><tr><td><strong>Deductible Rate<\/strong><\/td><td>RM1,000 per ward admission (Age 61+)<\/td><td>Flexible (Zero deductible options exist)<\/td><\/tr><tr><td><strong>Payment Mode<\/strong><\/td><td>Can use EPF Account Sejahtera balance<\/td><td>Cash, Credit Card, Auto-Debit<\/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 use my EPF balance after retirement to pay the premium?<\/strong><\/li><li>Yes, you can still use the i-Lindung facility. As long as you have not withdrawn your entire retirement contribution and still maintain a balance in your Account Sejahtera, automatic deductions can continue.<br><\/li><li><strong>Does this plan have a maximum entry age limit?<\/strong><\/li><li>The MediAsas scheme allows new applications and enrollment until the applicant is 70 years old. Subsequently, the coverage will continue until the policyholder reaches 85 years of age.<br><\/li><li><strong>Is a medical check-up mandatory before approving a retiree?<\/strong><\/li><li>The approval process usually relies on your honest health declaration (Utmost Good Faith). However, the insurance company reserves the right to request a full medical check-up if your past records are doubtful.<\/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 understanding of your rights and options, 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> in detail. You are also highly advised to mathematically 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 the co-payment system works<\/a> so you are prepared for cash emergencies. Additionally, evaluate the full list of the <a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/before-you-buy-the-35-major-exclusions-of-the-mediasas-plan\" target=\"_blank\" rel=\"noreferrer noopener\">35 major exclusions under the MediAsas plan<\/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 process of finding medical insurance during your golden years should not complicate your life or burden your emotions. The Bjak digital platform makes it incredibly easy for retirees and family members to transparently check the most suitable health policy options.<\/p>\n\n\n\n<p>On <a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=medical-insurance-for-retirees-is-mediasas-the-best-solution\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, you are completely free to compare various medical packages from a list of the nation&#8217;s leading insurance companies. You can quickly analyze the differences in premium prices and deductible conditions before making any financial commitment.<\/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 short, the MediAsas scheme is an exceptionally good protection alternative for retirees who are still healthy. It guarantees basic, inflation-proof protection at a very affordable monthly rate.<\/p>\n\n\n\n<p>However, it might not be a magical solution if you are already tied down by chronic illness complications. Honestly evaluate your personal health profile, and compare the most secure old-age protection plans at <strong><a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=medical-insurance-for-retirees-is-mediasas-the-best-solution\" 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=medical-insurance-for-retirees-is-mediasas-the-best-solution\" 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\/insurans-perubatan-untuk-pesara-adakah-mediasas-penyelesaian-terbaik\">MediAsas untuk Pesara: Adakah Ia Pilihan Terbaik?<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-untuk-pemandu-lesen-l-dan-p-di-malaysia\">Insurans untuk Pemandu Lesen L dan P di Malaysia<\/a><br><a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/medical-insurance-getting-expensive-how-mediasas-helps\">Medical Insurance Getting Expensive? How MediAsas Helps<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding medical insurance after retirement can be extremely difficult and expensive. Discover if the basic MediAsas plan is the best solution to protect your golden years.<\/p>\n","protected":false},"author":39,"featured_media":61156,"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>Medical Insurance for Retirees: Is MediAsas the Best Solution? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Life and Medical Insurance | Read about: Medical Insurance for Retirees: Is MediAsas the Best Solution? 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