1. 2025 PREMIUM PAID AND ANNUAL STATEMENT are now available in e-Connect for download. Find out more here.

 

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Medical Rate Revision 

Malaysians have witnessed medical and health insurance premium increase in recent years, driven by rising healthcare costs and higher claims utilisation. The surge in medical expenses, advancements in medical technology, and growing hospitalisation rates resulted in medical inflation and have led insurance companies to implement medical repricing across various health and medical insurance plans.

As policyholders navigate these changes, understanding the key factors behind the medical insurance premium rise is crucial for making informed decisions about their coverage. The information below provides a comprehensive overview of the medical rate revision. Additionally, you can review the Average Medical Inflation Cost for further insights into the evolving healthcare landscape.
 

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Average Medical Inflation Cost

Product Name  3-year Average Utilisation
Rate		 3-year Average Claim Amount 2025 Medical Inflation Rate 2024 Medical Inflation Rate   2023 Medical Inflation Rate 3-year Average Medical Inflation
Rate
Easi HealthCare 19 out of 100 policyowners made a claim RM 11,487 -3.7% 11.9%
   -11.4% -1.0%
Easi Health 28 out of 100 policyowners made a claim RM 12,743 7.6% 13.0%   6.4% 9.0%
Easi Med Major 4 out of 100 policyowners made a claim RM 17,239 25.7% -12.4%   -27.2% 2.9%*
Easi Med Active 11 out of 100 policyowners made a claim RM 7,279 143.1% 3,129.1%   Not available 2.9%*
GREAT Med Care NA RM 0 0.0% Not available   Not available 2.9%*

*Inflation rate based on medical portfolio cohort due to insufficient policy and claims experience.

 

Notes:

1. Reference time-frame used for computing the 3-year average medical inflation cost: 3-year average – 1 January 2023 to 31 December 2025.

2. This table is intended to provide policyholders with reliable medical inflation cost and offer a clear understanding of the performance of individual products.

3. Policyholders should review these metrics cautiously for a more comprehensive assessment of their healthcare coverage.

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