{"id":61232,"date":"2026-09-04T15:16:19","date_gmt":"2026-09-04T07:16:19","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=61232"},"modified":"2026-09-04T17:57:04","modified_gmt":"2026-09-04T09:57:04","slug":"mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences","title":{"rendered":"MediAsas vs MySalam vs Madani: Key Differences"},"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-6a9aa29a38093\" 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-6a9aa29a38093\"><\/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-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#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-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#Skim_Perubatan_Madani_Outpatient_Treatment\" title=\"Skim Perubatan Madani: Outpatient Treatment\">Skim Perubatan Madani: Outpatient Treatment<\/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-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#MySalam_Scheme_Critical_Illness_Assistance\" title=\"MySalam Scheme: Critical Illness Assistance\">MySalam Scheme: Critical Illness Assistance<\/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-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#MediAsas_Scheme_Private_Hospital_Protection\" title=\"MediAsas Scheme: Private Hospital Protection\">MediAsas Scheme: Private Hospital Protection<\/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-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#Quick_Comparison_Health_Initiatives\" title=\"Quick Comparison: Health Initiatives\">Quick Comparison: Health Initiatives<\/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-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#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\/mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#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\/mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#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\/mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\/#Conclusions\" title=\"Conclusions\">Conclusions<\/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 Malaysian government has launched various healthcare initiatives that are highly beneficial to citizens. However, questions comparing <strong>MediAsas vs MySalam vs Skim Perubatan Madani<\/strong> often cause confusion, especially regarding their specific functions and participant eligibility.<\/p>\n\n\n\n<p>To avoid any costly misunderstandings, you must know that these three schemes offer entirely different protection functions. This comprehensive guide unravels the true differences of each initiative so you do not accidentally overlook your healthcare rights.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Skim_Perubatan_Madani_Outpatient_Treatment\"><\/span><strong>Skim Perubatan Madani: Outpatient Treatment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Skim Perubatan Madani is specifically designed to accommodate primary healthcare or outpatient treatment needs. It allows Sumbangan Tunai Rahmah (STR) recipients to get free treatments for minor illnesses like fevers, colds, or coughs at registered private clinics.<\/p>\n\n\n\n<p>This free initiative significantly helps reduce severe congestion at government health clinics. However, it absolutely does not cover any major surgery costs, ward admissions, or follow-up treatments for chronic diseases.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"MySalam_Scheme_Critical_Illness_Assistance\"><\/span><strong>MySalam Scheme: Critical Illness Assistance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Conversely, MySalam is a free health protection insurance scheme that focuses on the heavy financial burden of critical illnesses. B40 recipients diagnosed with one of the 45 listed critical illnesses are eligible to receive a one-off lump sum cash payment of RM8,000.<\/p>\n\n\n\n<p>Additionally, MySalam offers an income replacement allowance of RM50 a day if the patient is admitted to a government hospital (max 14 days a year). However, these funds are strictly cash assistance, not a medical scheme that pays your private hospital surgical bills.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"MediAsas_Scheme_Private_Hospital_Protection\"><\/span><strong>MediAsas Scheme: Private Hospital Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The MediAsas scheme operates as a genuine medical insurance policy that controls inpatient ward admission bills at private hospitals. Unlike the two free schemes above, MediAsas requires policyholders to pay a monthly premium starting as low as RM65.<\/p>\n\n\n\n<p>By subscribing to this scheme, you will receive an annual limit starting at RM100,000 to finance your private hospital surgeries and treatments. The cost-sharing concept via a fixed deductible and co-insurance makes it the most inflation-proof private protection option in the local market.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Quick_Comparison_Health_Initiatives\"><\/span><strong>Quick Comparison: Health Initiatives<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Key Feature<\/strong><\/td><td><strong>Skim Perubatan Madani<\/strong><\/td><td><strong>MySalam Scheme<\/strong><\/td><td><strong>MediAsas Scheme (Teras)<\/strong><\/td><\/tr><tr><td><strong>Protection Focus<\/strong><\/td><td>Minor outpatient treatments<\/td><td>Critical illness cash package<\/td><td>Private hospital &amp; surgery bills<\/td><\/tr><tr><td><strong>Cost Structure<\/strong><\/td><td>Completely Free<\/td><td>Completely Free<\/td><td>Premium starts ~RM65\/month<\/td><\/tr><tr><td><strong>Cost During Claim<\/strong><\/td><td>No charges<\/td><td>No charges<\/td><td>RM500 Deductible + Co-insurance<\/td><\/tr><tr><td><strong>Medical Facility<\/strong><\/td><td>Panel private clinics<\/td><td>Government hospitals<\/td><td>Panel private hospitals<\/td><\/tr><tr><td><strong>Eligibility Rule<\/strong><\/td><td>Strictly for STR recipients<\/td><td>Strictly for B40\/STR groups<\/td><td>Open to everyone (T&amp;C applies)<\/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 have a MediAsas plan even if I am a MySalam recipient?<\/strong><\/li><li>Yes, absolutely. MySalam provides cash allowance assistance, while MediAsas functions to pay your private hospital treatment bills. Having both gives you an incredibly solid financial safety net.<br><\/li><li><strong>Is the MediAsas scheme free like Skim Perubatan Madani?<\/strong><\/li><li>No. MediAsas is a paid private medical insurance policy regulated by BNM, but it is offered at a highly affordable rate of around RM65 a month.<br><\/li><li><strong>How can I apply for Skim Perubatan Madani?<\/strong><\/li><li>You do not need to make any specific application. As long as you are a valid Sumbangan Tunai Rahmah (STR) recipient, you are eligible to visit a panel Madani clinic directly by bringing your IC.<\/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 hidden costs, please read <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 hospital co-payment system works<\/a> in Malaysia. You are also highly recommended to transparently study 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>. Additionally, evaluate the stark differences between the <a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-teras-vs-fleksi-which-plan-is-best-for-your-family\" target=\"_blank\" rel=\"noreferrer noopener\">MediAsas Teras vs Fleksi plans<\/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>Navigating various health policies and coverage options should never complicate your life. The Bjak digital platform is committed to helping all Malaysians quickly and transparently compare and understand their healthcare rights.<\/p>\n\n\n\n<p>Through the <a href=\"https:\/\/bjak.my\/en\/life?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a> facility, you are entirely free to check quotes for various medical packages from the nation&#8217;s leading insurance companies. You can easily analyze the differences in premium prices and deductible conditions before making any long-term financial commitment.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusions\"><\/span><strong>Conclusions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ultimately, each government scheme fulfills a completely different purpose within the national health ecosystem. While Madani and MySalam protect the basic welfare of the B40 group, the MediAsas scheme opens the door for all citizens to access quality private hospital treatments. Do not delay any further; take a smart step by comparing the best insurance plans for your family at <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-know-the-differences\" 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-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\" 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-vs-mysalam-vs-skim-perubatan-madani-kenali-perbezaannya\">MediAsas vs MySalam vs Skim Perubatan Madani<\/a><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><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Various health initiatives have been introduced in Malaysia. Discover the main differences between MediAsas, MySalam, and Skim Perubatan Madani coverages to maximize your benefits.<\/p>\n","protected":false},"author":39,"featured_media":61233,"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 vs MySalam vs Madani: Key Differences | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Life and Medical Insurance | Read about: MediAsas vs MySalam vs Madani: Key Differences Compare MediAsas, MySalam, and Skim Perubatan Madani to understand coverage, eligibility, and benefits\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MediAsas vs MySalam vs Madani: Key Differences | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Life and Medical Insurance | Read about: MediAsas vs MySalam vs Madani: Key Differences Compare MediAsas, MySalam, and Skim Perubatan Madani to understand coverage, eligibility, and benefits\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/mediasas-vs-mysalam-vs-skim-perubatan-madani-know-the-differences\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-04T07:16:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-04T09:57:04+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/09\/MediAsas-vs-MySalam-vs-Skim-Perubatan-Madani-Know-the-Differences.webp?fit=1080%2C683&amp;ssl=1\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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