Malaysia requires every international student to hold medical insurance for the whole Student Pass — bought through EMGS or your university, and renewed together with your pass.
Plan 2 covers up to RM30,000 per disability (RM498/year), Plan 3 up to RM50,000 (RM567/year). Bought together with your EMGS application; available for ages 16–69.
Regular covers up to RM30,000 per disability (RM547/year), Premium up to RM50,000 (RM640/year). Great Eastern Takaful's student plan pays hospital room and board up to a daily limit and includes limited GP outpatient cover at panel clinics.
Gold covers up to RM30,000 per disability (RM551/year), Platinum up to RM50,000 (RM644/year). All EMGS packages cost the same for every age from 16 to 69; stays shorter than 12 months are pro-rated.
Students can also buy insurance through their institution. Monash University Malaysia, for example, insures all international students with Generali: room and board up to RM200/day, GP and specialist outpatient care up to RM3,000/year, overall limit RM30,000/year.
A top-up plan from a Malaysian insurer or an international student plan can add benefits the basic packages exclude. It does not replace the insurance required for your Student Pass.
| Item | Cost | Details |
|---|---|---|
| EMGS insurance package (12 months) | RM498–644/year (~€108–139) | Six packages in the 2026 EMGS fee schedule (Etiqa, Great Eastern, The Pacific) with limits of RM30,000 or RM50,000 per disability. Same price for ages 16–69. |
| EMGS processing fee (new student) | RM800–1,600 + 8% service tax (~€173–346 before tax) | Depends on the length of your first pass. A renewal costs RM250 + 8% service tax. |
| eVAL, i-Kad and Student Pass sticker | RM150 + RM50 + RM60 (~€32 + €11 + €13) | The eVAL (electronic visa approval letter) fee carries 8% service tax. The multiple-entry visa costs RM0–50 depending on nationality (RM20 for most). |
| Medical screening (after arrival) | RM340 (~€73) | One-off check at an EMGS-registered clinic within 7 working days of arrival (RM350 in Sarawak). Not needed for renewals; some public universities screen students at their own clinics. |
| Hospital room & board (insurance limit) | RM200–300/day covered (~€43–65) | Student plans cap the daily room rate — e.g., RM200/day in Monash's Generali plan and RM200–300/day in Great Eastern Takaful's plans. Choose a room within the limit or pay the difference. |
| GP visit at a panel clinic | Cashless up to your plan's GP limit | Most student plans include limited GP outpatient cover at panel clinics (klinik panel), sometimes with a small deductible per visit. At non-panel clinics you pay first and claim afterwards. |
| Emergency ambulance | Dial 999 (112 from mobiles) | 999 connects you to police and ambulance, 994 to the fire brigade. Student plans cover road ambulance costs up to a set limit. |
Student health insurance in Malaysia costs RM498–644 per year (~€108–139) for one of the six packages in the 2026 EMGS fee schedule. You buy it together with your Student Pass application through EMGS (Education Malaysia Global Services), or your institution arranges its own plan. The insurance is not optional: it is a condition of the Student Pass for every international student, whether at Universiti Malaya (UM), Universiti Putra Malaysia (UPM), Taylor’s University or Monash University Malaysia.
| Package | Limit per disability | Premium (12 months) |
|---|---|---|
| Etiqa Plan 2 | RM30,000 | RM498 |
| Etiqa Plan 3 | RM50,000 | RM567 |
| Great Eastern Regular | RM30,000 | RM547 |
| Great Eastern Premium | RM50,000 | RM640 |
| The Pacific Gold | RM30,000 | RM551 |
| The Pacific Platinum | RM50,000 | RM644 |
Source: EMGS schedule of fees (ages 16–69; stays shorter than 12 months are pro-rated).
Student plans typically cover:
Usually not covered: pre-existing conditions, routine check-ups, dental treatment unless caused by an accident, glasses and eye tests, pregnancy and childbirth, cosmetic treatment
Malaysia operates a two-tier healthcare system:
Public healthcare (Government): Government health clinics (Klinik Kesihatan) and hospitals such as Hospital Kuala Lumpur (HKL) provide high-quality care. Non-citizens pay higher fees than Malaysians, and waits can be long.
Private healthcare: Private hospitals offer short waiting times and English-speaking staff at higher prices. Your student plan pays room and board only up to its daily limit.
Complete guide to health insurance for international students in Malaysia.
Read more →Tips for selecting the right insurance plan for your studies.
Read more →Essential facts every international student should know.
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