Government hospitals provide substantial subsidies, but treatment is not always completely free. You may still pay daily room charges if you choose a First- or Second-Class ward.
You may also need to pay for surgical implants, intraocular lenses, or medicines that are not included in the Ministry of Health formulary. These items can be expensive, especially for complex orthopaedic or cardiac treatment.
In these situations, MediAsas can help cover eligible medical expenses. However, you should always check your policy terms and claim limits first.
The RM500 Deductible Reality
MediAsas includes a fixed RM500 deductible and 20% co-insurance for each hospital admission. In simple terms, you must pay part of the bill before the insurer pays an eligible claim.
For example, if your government hospital bill is RM150, you will pay the full amount because it is below the RM500 deductible. Therefore, submitting a claim for a small bill may not be worthwhile.
However, the plan may offer meaningful support when eligible treatment costs run into thousands of ringgit. This can include costly implants, specialised medicines, or complex procedures.
The Pay and Claim Method
Most government hospitals do not accept Guarantee Letters (GLs) from private insurers. As a result, MediAsas policyholders usually need to use the pay-and-claim process.
First, pay the hospital bill yourself. Then, after discharge, submit the original receipts, medical reports, and other required documents to your insurer.
The insurer will assess the claim based on your policy’s deductible, co-insurance, exclusions, and benefit limits. Keep copies of every document to make the process easier.
Quick Comparison: Government vs Private (Using MediAsas)
Ward admission aspect
Government hospital
Panel private hospital
Payment method
Pay and claim; pay the bill first
Cashless admission, subject to GL approval
Hospital charges
Usually lower because of government subsidies
Usually higher because there are no public subsidies
Main out-of-pocket risk
Implants, special medicines, higher-class wards, and other non-subsidised items
Deductible, co-insurance, exclusions, and policy limits
MediAsas role
May reimburse eligible costs after assessment
May support cashless treatment when the hospital accepts the GL
How Bjak Helps You
Medical insurance can feel confusing during an emergency. Bjak helps Malaysians compare medical plans, review policy terms, and understand important features such as deductibles, co-insurance, claim methods, and exclusions.
Before choosing a plan, compare the benefits carefully. The right protection can help you prepare for unexpected medical costs, including expenses that government subsidies may not fully cover.
Conclusion
Knowing the actual procedures enforced at government hospitals ensures you are constantly prepared to face any financial burdens caused by implants or specialized drugs. Ensure your family receives the strongest protection guarantee with the right medical plan. Proactively compare quotes and subscribe to the best health protection policies at Bjak.my today!
Can I request a GL issuance for a government hospital admission?
Generally, government hospitals do not accept private-insurer GLs. You will usually need to pay the bill first and submit a reimbursement claim later.
Am I eligible to receive a Government Hospital Daily Cash Allowance?
Eligibility depends on whether your MediAsas plan includes this benefit and whether you meet its policy conditions. Check your policy wording or confirm with the insurer before admission.
Should I make a MediAsas claim for a very cheap government bill?
If the bill is below the RM500 deductible, you will normally pay it yourself. Review your policy terms before deciding whether to submit a claim.
Nabil Farhan· · 2 min read
