034. Healthcare hike for foreigners

It is reported in today's theSun that foreigners will have to pay more when seeking medical treatment at government hospital. The rate they need to pay will depends on their length of stay in Malaysia, as below:-

Year       Cost to be borne
1st          30%
2nd        50%
3rd         70%
4th         100%


The new costs under new rate

Class             Deposit         Surgery           Obstetric and Gynaecology
3rd                RM600          RM1200         RM1200
2nd               RM900          RM1500         RM1500
1st / Exec     RM2100        RM3300         RM2100


The foreigners will includes foreign workers, foreigner married to local, illegal worker etc. This comprise a few millions in the country. Of course, those with proper employment will have insurance coverage.

We all know medical expenses is the most expensive and is a burden to normal families and to government. My previous posts reported insurance companies raising their medical insurance's premium.


My advice to employed foreigners are to discuss to their employer to get a medical and accident coverage. Employer can have tax advantage to provide general insurance coverage for their workers. For married foreigner spouse, especially full-time housewife, discuss with your spouse to get a life, accident and medical coverage. A little premium can save your day in need.

For SMEs who may be employing only locals, do also consider providing insurance coverage for your workers, who most of the time are your relatives or are long-employed under you. Think it as your responsibility to them. Think it as a benefits to them. Think it as an act of appreciation to them.

Let insurance company to cover your medical bills instead of burning your pocket.