The MediAsas for parents and children protection plan has quickly become the top choice for Malaysians seeking affordable family health security. This concise guide directly explains the exact age requirements, EPF payment methods, and transparent cost structures for registering your dependents’ policies.
Registration Eligibility for Children
You are absolutely allowed to purchase a MediAsas protection policy on behalf of your children. Registration is typically open as early as 14 to 30 days old, strictly depending on the specific conditions set by your chosen insurance company.
In addition, child protection is incredibly worthwhile because the premium rates charged are significantly lower compared to adults. Furthermore, their application approvals are much faster since, in most cases, children rarely possess complex chronic medical records.
Registration for Elderly Parents
Meanwhile, the MediAsas scheme allows new entry ages up to 70 years old, making it a highly competitive senior protection option. As a result, you can comfortably purchase this plan for your beloved parents to secure their golden years.
However, you must remember that insurers apply pre-existing condition rules strictly to parent registrations. Consequently, if they already have chronic medical records for illnesses like diabetes or high blood pressure, insurers will definitely reject those claims.
Payment Flexibility via EPF
Moreover, a massive advantage of this scheme is the authorization to pay premium contributions using the Employees Provident Fund (EPF) i-Lindung facility. Specifically, you are permitted to make direct withdrawals from your Account Sejahtera to completely finance the insurance policies of your spouse, children, and parents.
Therefore, this automated deduction initiative ensures every family member remains protected without burdening your monthly cash flow. You simply need to ensure your Account Sejahtera balance is sufficient to cover their total annual premium prices.
Quick Comparison: Dependent Categories
Protection Criteria
Children’s Policy
Parents’ Policy (Seniors)
Eligibility Age Limit
Starts as early as 14/30 days
New entry up to 70 years old
Premium Rate
Very low and affordable
Moderately high (Based on age risk)
Pre-Existing Risk
Very low (Easily approved)
High (Subject to medical history)
Payment Option
Allowed via EPF i-Lindung
Allowed via EPF i-Lindung
Ward Admission Cost
RM500 Deductible + 20% Co-insurance
RM1,000 Deductible + 20% Co-insurance (Age 61+)
How Bjak Helps You
Ideally, managing multiple medical policies for your entire family should never complicate your daily life. In practice, Bjak’s digital platform fiercely brings together all your family’s protection needs into one neat, easily monitored dashboard.
For example, on Bjak.my, you are completely free to instantly compare premium prices and subscribe to MediAsas packages for every family member. We make sure every key detail—like co-insurance fees and what’s not covered—is shown clearly to protect your financial safety.
Conclusion
Providing solid health security ensures your family members receive immediate access to quality private hospital treatments at a highly reasonable rate. Protect your loved ones’ future by comparing the best medical plans online at Bjak.my today!
Can I combine my family's protection into one single policy?
No. The MediAsas scheme is strictly offered as individual policies only. However, you can conveniently monitor and pay for all these separate policies through one main account profile.
Is a medical check-up mandatory for parents?
Usually, the approval process relies entirely on an honest health declaration. However, the insurer reserves the absolute right to request a full medical report if your parent’s past health record is doubtful.
Are these dependent policies eligible for LHDN tax relief?
You can only claim the medical insurance tax relief (RM3,000 limit) for policies covering yourself, your spouse, and your children. Please note that medical insurance premiums paid for parents are not eligible for claims under any LHDN tax relief category.
Nabil Farhan· · 2 min read
