Insurance Guides
Insurance guides for Malaysians
Your insurance questions, answered in plain words
From choosing a medical card and understanding premium increases to preparing an insurance claim.
Explore the guides
Know what to do, what to prepare and what to ask your insurer.
4 guides
How to claim insurance in Malaysia
Learn how to claim insurance in Malaysia, which documents to prepare for medical, critical illness and life claims, and what to do if your claim is rejected.
In this guide
- Notify your insurer before collecting documents
- Documents needed for an insurance claim
- Why insurance claims get rejected
Read guideHow to choose a medical card in Malaysia
Compare medical cards in Malaysia by coverage, annual limits, co-payment, exclusions and long-term cost. Know what to ask before choosing a plan.
In this guide
- What does a medical card cover?
- Compare benefits and annual limits together
- Understand co-payment, co-insurance and deductibles
Read guideMedical card vs life insurance: what is the difference?
Understand medical cards, life insurance and critical illness cover in Malaysia: what each pays for, where the gaps are and how to compare your protection.
In this guide
- Medical cards: help with eligible treatment bills
- Life insurance: financial support after a death
- Critical illness cover: cash when a covered condition qualifies
Read guideMedical insurance premiums increasing in 2026? What to check
Understand medical insurance premium increases in Malaysia in 2026, BNM’s interim measures and the options to discuss before changing or cancelling your cover.
In this guide
- Why premiums can rise even without a claim
- What BNM’s interim measures mean in 2026
- For investment-linked policies, check the insurance charges
Read guide
