{"id":61227,"date":"2026-09-04T14:54:00","date_gmt":"2026-09-04T06:54:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=61227"},"modified":"2026-09-04T14:54:01","modified_gmt":"2026-09-04T06:54:01","slug":"mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya","title":{"rendered":"MediAsas vs MySalam vs Skim Perubatan Madani"},"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-6a9aa2aad5a25\" 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-6a9aa2aad5a25\"><\/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-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#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-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#Skim_Perubatan_Madani_Rawatan_Pesakit_Luar\" title=\"Skim Perubatan Madani: Rawatan Pesakit Luar\">Skim Perubatan Madani: Rawatan Pesakit Luar<\/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-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#Skim_MySalam_Bantuan_Penyakit_Kritikal\" title=\"Skim MySalam: Bantuan Penyakit Kritikal\">Skim MySalam: Bantuan Penyakit Kritikal<\/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-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#Skim_MediAsas_Perlindungan_Hospital_Swasta\" title=\"Skim MediAsas: Perlindungan Hospital Swasta\">Skim MediAsas: Perlindungan Hospital Swasta<\/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-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#Perbezaan_MediAsas_vs_MySalam_vs_Skim_Perubatan_Madani\" title=\"Perbezaan MediAsas vs MySalam vs Skim Perubatan Madani\">Perbezaan MediAsas vs MySalam vs Skim Perubatan Madani<\/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-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#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-7\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#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-8\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#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-9\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\/#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>Kerajaan Malaysia telah melancarkan pelbagai inisiatif penjagaan kesihatan yang sangat bermanfaat kepada rakyat. Namun begitu, persoalan mengenai perbandingan <strong>MediAsas vs MySalam vs Skim Perubatan Madani<\/strong> sering menimbulkan kekeliruan, terutamanya dari segi fungsi dan kelayakan peserta.<\/p>\n\n\n\n<p>Bagi mengelakkan sebarang salah faham, anda perlu tahu bahawa ketiga-tiga skim ini mempunyai fungsi perlindungan yang sangat berbeza. Panduan komprehensif ini merungkai perbezaan sebenar setiap inisiatif agar anda tidak terlepas pandang hak kelayakan kesihatan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Skim_Perubatan_Madani_Rawatan_Pesakit_Luar\"><\/span><strong>Skim Perubatan Madani: Rawatan Pesakit Luar<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Skim Perubatan Madani direka khusus untuk menampung keperluan penjagaan kesihatan primer atau rawatan pesakit luar (<em>outpatient<\/em>). Ia membolehkan penerima Sumbangan Tunai Rahmah (STR) mendapatkan rawatan untuk sakit ringan seperti demam, selesema, atau batuk secara percuma di klinik swasta yang berdaftar.<\/p>\n\n\n\n<p>Inisiatif percuma ini sangat membantu mengurangkan kesesakan di klinik kesihatan kerajaan. Walau bagaimanapun, ia sama sekali tidak menanggung sebarang kos pembedahan besar, kemasukan wad, atau rawatan susulan untuk penyakit kronik.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Skim_MySalam_Bantuan_Penyakit_Kritikal\"><\/span><strong>Skim MySalam: Bantuan Penyakit Kritikal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebaliknya, MySalam merupakan skim insurans perlindungan kesihatan percuma yang memfokuskan kepada bebanan penyakit kritikal. Penerima B40 yang disahkan menghidap salah satu daripada 45 penyakit kritikal layak menerima bayaran tunai sekali gus (<em>lump sum<\/em>) sebanyak RM8,000.<\/p>\n\n\n\n<p>Selain itu, MySalam turut menawarkan elaun gantian pendapatan sebanyak RM50 sehari jika pesakit dimasukkan ke hospital kerajaan (maksimum 14 hari setahun). Namun, dana ini hanyalah bantuan tunai, dan bukannya skim yang menanggung bil pembedahan di hospital swasta.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Skim_MediAsas_Perlindungan_Hospital_Swasta\"><\/span><strong>Skim MediAsas: Perlindungan Hospital Swasta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Skim MediAsas beroperasi sebagai sebuah insurans perubatan tulen yang mengawal bil kemasukan wad (<em>inpatient<\/em>) di hospital swasta. Tidak seperti dua skim di atas yang percuma, MediAsas mewajibkan pemegang polisi membayar premium bulanan bermula serendah RM65 sebulan.<\/p>\n\n\n\n<p>Dengan mencarum skim ini, anda akan menerima had tahunan bermula RM100,000 untuk membiayai kos pembedahan dan rawatan hospital swasta. Konsep perkongsian kos melalui deduktibel tetap dan ko-insurans menjadikannya pilihan perlindungan swasta yang paling kalis inflasi di pasaran tempatan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perbezaan_MediAsas_vs_MySalam_vs_Skim_Perubatan_Madani\"><\/span><strong>Perbezaan MediAsas vs MySalam vs Skim Perubatan Madani<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Ciri Utama<\/strong><\/td><td><strong>Skim Perubatan Madani<\/strong><\/td><td><strong>Skim MySalam<\/strong><\/td><td><strong>Skim MediAsas (Pelan Teras)<\/strong><\/td><\/tr><tr><td><strong>Fokus Perlindungan<\/strong><\/td><td>Rawatan ringan pesakit luar<\/td><td>Pakej tunai penyakit kritikal<\/td><td>Kos pembedahan &amp; wad swasta<\/td><\/tr><tr><td><strong>Struktur Kos<\/strong><\/td><td>Percuma sepenuhnya<\/td><td>Percuma sepenuhnya<\/td><td>Premium bermula ~RM65\/sebulan<\/td><\/tr><tr><td><strong>Kos Semasa Tuntutan<\/strong><\/td><td>Tiada caj<\/td><td>Tiada caj<\/td><td>RM500 Deduktibel + Ko-insurans<\/td><\/tr><tr><td><strong>Fasiliti Perubatan<\/strong><\/td><td>Klinik swasta panel<\/td><td>Hospital kerajaan<\/td><td>Hospital swasta panel<\/td><\/tr><tr><td><strong>Syarat Kelayakan<\/strong><\/td><td>Khas untuk penerima STR<\/td><td>Khas untuk penerima B40\/STR<\/td><td>Terbuka kepada semua (T&amp;S)<\/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 memiliki pelan MediAsas walaupun saya penerima MySalam?<\/strong><\/li><li>Ya, sudah tentu. MySalam memberikan bantuan elaun tunai, manakala MediAsas berfungsi membayar bil rawatan hospital swasta. Memiliki kedua-duanya memberikan anda jaringan keselamatan kewangan yang amat kukuh.<br><\/li><li><strong>Adakah Skim MediAsas percuma seperti Skim Perubatan Madani?<\/strong><\/li><li>Tidak. MediAsas ialah polisi insurans perubatan swasta berbayar yang dikawal selia oleh BNM, namun pada kadar yang sangat mampu milik iaitu sekitar RM65 sebulan.<br><\/li><li><strong>Bagaimana saya boleh memohon Skim Perubatan Madani?<\/strong><\/li><li>Anda tidak perlu membuat sebarang permohonan khusus. Asalkan anda adalah penerima Sumbangan Tunai Rahmah (STR) yang sah, anda layak pergi ke klinik panel Madani secara terus dengan membawa kad pengenalan.<\/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>Bagi mendalami kefahaman anda mengenai kos tersembunyi, sila baca <a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/sistem-ko-bayaran-mediasas-berapa-banyak-anda-kena-bayar-jika-masuk-wad\" target=\"_blank\" rel=\"noreferrer noopener\">bagaimana sistem ko-bayaran hospital berfungsi<\/a> di Malaysia. Anda juga amat disyorkan untuk mengkaji secara telus senarai <a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/35-pengecualian-utama-mediasas-sebelum-beli\" target=\"_blank\" rel=\"noreferrer noopener\">35 pengecualian utama di bawah pelan MediAsas<\/a>. Selain itu, nilaikan juga perbezaan ketara antara <a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/mediasas-teras-vs-fleksi-mana-pilihan-terbaik\" target=\"_blank\" rel=\"noreferrer noopener\">pelan MediAsas Teras vs Fleksi<\/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>Mengemudi pelbagai pilihan polisi dan perlindungan kesihatan tidak sepatutnya merumitkan anda. Platform digital Bjak komited untuk membantu seluruh rakyat Malaysia membandingkan dan memahami hak kesihatan mereka secara pantas dan telus.<\/p>\n\n\n\n<p>Melalui kemudahan <a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a>, anda bebas membuat semakan sebut harga pelbagai pakej perubatan daripada senarai syarikat insurans terkemuka negara. Anda boleh menganalisis perbezaan harga premium dan syarat deduktibel dengan mudah sebelum membuat sebarang komitmen kewangan.<\/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>Setiap skim kerajaan memenuhi tujuan yang berbeza dalam ekosistem kesihatan negara. Sementara Madani dan MySalam melindungi kebajikan asas golongan B40, skim MediAsas membuka peluang untuk seluruh rakyat mendapat akses rawatan hospital swasta berkualiti. Jangan lengah lagi, ambil langkah bijak dengan membandingkan pelan insurans terbaik untuk keluarga anda di <strong><a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong> pada 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=mediasas-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\" 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\/insurans-kereta\/uruskan-beberapa-polisi-kenderaan-dalam-satu-akaun-bjak\">Uruskan Beberapa Polisi Kenderaan Dalam Satu Akaun Bjak<\/a><br><a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/why-mediasas-is-the-best-insurance-for-gig-workers-amp-freelancers\">MediAsas for Gig Workers: Best Insurance for Freelancers<\/a><br><a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/kenapa-mediasas-adalah-insurans-terbaik-untuk-pekerja-gig-amp-freelancer\">MediAsas untuk Pekerja Gig &amp; Freelancer: Perlindungan Perubatan<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pelbagai inisiatif kesihatan telah diperkenalkan di Malaysia. Ketahui perbezaan utama antara perlindungan MediAsas, MySalam, dan Skim Perubatan Madani untuk memaksimumkan manfaat anda.<\/p>\n","protected":false},"author":39,"featured_media":61228,"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>MediAsas vs MySalam vs Skim Perubatan Madani | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Nyawa dan Perubatan | Read about: MediAsas vs MySalam vs Skim Perubatan Madani Keliru antara MediAsas vs MySalam vs Skim Perubatan Madani? 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