Is medical insurance compulsory for me as an international student in Malaysia, and what does it cost each year?
Yes, international students in Malaysia must hold medical insurance for the full length of the student pass, from an insurer approved by EMGS. The 2026 yearly premiums range from RM498 to RM644, depending on the insurer. Medical screening before arrival costs about RM250 to RM340. Check EMGS for updates.
Yes, every international student in Malaysia must have medical insurance for the whole length of the student pass. The plan must come from an insurer approved by Education Malaysia Global Services (EMGS), and the 2026 yearly premiums range from RM498 to RM644 depending on the insurer.
Yearly Insurance Premiums (2026)
| Insurer | Premium per year (RM) |
|---|---|
| Etiqa | RM498 to RM567 |
| Great Eastern | RM547 to RM640 |
| Pacific | RM551 to RM644 |
Other Healthcare Costs to Expect
| Service | Estimated cost (RM) |
|---|---|
| Medical screening for student pass | RM250 to RM340 |
| General Practitioner consultation fee (legal range) | RM10 to RM80 |
| General Practitioner visit with basic medicine | RM80 to RM180 |
| Government clinic fee, non-citizens | RM40 per visit |
My Advice
Compare the approved insurers for the cover you need rather than choosing only on price, and book your medical screening after checking what the clinic charges, since the price depends on the clinic. Premiums can change, so confirm the latest figures on the official EMGS insurance page before the 2027 or 2028 intake.
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