Insurance guides

Practical guides written for Malaysian families and business owners. Read them before you buy, renew or make a claim.

These guides answer the practical questions Malaysians face around insurance: how to renew road tax and car insurance, how to check your NCD, what to do after a car accident or a flood, how to choose a medical card, what MediAsas means for you, how much insurance tax relief you can claim, and how to write a will or handle a family member’s estate.

Each guide starts with a direct answer, then walks through the steps, with tables you can compare at a glance. Figures are taken from official sources such as JPJ, Bank Negara, LHDN and PIAM where available. Lulu Loke, a Great Eastern Sales Manager with 13 years’ experience, writes them from what she sees with clients across Kuala Lumpur and Selangor. If something doesn’t fit your situation, WhatsApp her: no hard selling, just a clear answer.

A Malaysian couple reviews household papers at their dining table in the morning

Family & health

PERKESO (SOCSO) explained: contributions, benefits, claims and what it does not cover

PERKESO, also called SOCSO, is Malaysia's social security body: your employer pays 1.75% and you pay 0.5% of wages up to RM6,000 a month, plus 0.2% each for EIS. In return you are covered for work and commuting injuries, invalidity or death from any cause before 60, and job loss. It does not pay private hospital bills for illness or a lump sum to clear your loans, which is where insurance fits in.

Woman beside her car checking her phone after renewing roadtax

On the road

How to renew roadtax in Malaysia, step by step

To renew roadtax in Malaysia, first renew your motor insurance, then renew the roadtax online or through your insurance agent and get a digital roadtax you can view in the MyJPJ app. This guide covers the documents, the steps and what to do if something has expired.

Mother sitting with her recovering son in a hospital room

Family & health

How to choose the best medical card in Malaysia: a checklist

The best medical card in Malaysia is the one with limits high enough for a serious illness, a room rate that matches the hospitals you’d use, and a premium you can keep paying into old age. Use this checklist to compare plans side by side.

Elderly parents going through their will with their daughter

Legacy

How to write a valid will in Malaysia (for non-Muslims)

A valid will in Malaysia must be made by someone aged 18 or above and of sound mind, be in writing, and be signed by you in front of two witnesses who also sign it. This guide explains each requirement, what to include and the mistakes that cause problems later.

Factory owner talking with a worker beside machinery and stock

Property

Fire insurance for shops and factories in Malaysia: what’s covered and how much to insure

A business fire policy covers your building, renovation, machinery and stock against fire, lightning and explosion, and can be extended to flood, riot and other perils. Getting the sum insured right is what decides whether a claim is paid in full.

Man checking his car insurance NCD on his phone

On the road

How to check your NCD online in Malaysia, for free

You can check your car’s No Claim Discount (NCD) for free on ISM’s MyCarInfo website with your plate number and IC number. This guide shows the steps, the NCD table, and how to keep your NCD when you claim, sell or change cars.

Two drivers photographing a minor car collision on a city road

On the road

Car accident claims in Malaysia, step by step

After a car accident in Malaysia, make a police report within 24 hours, tell your insurer as soon as possible (usually within 7 days), and choose the right claim type so your NCD is protected. This guide walks through each step.

Flooded residential street in the Klang Valley with a stranded car

Property

Flood insurance claims in Malaysia: car, house and shop

Flood damage is only covered if your policy includes it: cars need the special perils add-on, while houses, shops and factories need flood in their policy. Check before the monsoon, and if a flood hits, take photos, don’t start a flooded car, and tell your insurer immediately.

Doctor explaining treatment options to a patient in a clinic

Family & health

MediAsas explained: Malaysia’s base medical plan vs a regular medical card

MediAsas is Malaysia’s standardised “base” medical insurance plan, designed with Bank Negara to give lower-cost hospital cover. It comes in two versions, Teras and Fleksi, with lower limits than most private medical cards, and is due to launch nationwide in January 2027 after a pilot in the Klang Valley.

Couple filing their income tax with insurance statements on the desk

Family & health

Insurance tax relief in Malaysia: what you can claim

In Malaysia you can claim income tax relief of up to RM3,000 for life insurance premiums (within a RM7,000 limit shared with EPF) and up to RM4,000 for education and medical insurance. This guide lists the insurance-related reliefs for YA 2025 and the changes for YA 2026.

Two friends comparing protection plans over coffee

Family & health

Takaful vs conventional insurance in Malaysia

Takaful is Shariah-compliant protection where participants contribute to a shared fund that helps members who suffer a loss, while conventional insurance transfers your risk to an insurer for a premium. Both are regulated by Bank Negara Malaysia, and non-Muslims can buy either.

Two siblings going through estate documents with a lawyer

Legacy

When a family member dies: estate, insurance and unclaimed money

For non-Muslims in Malaysia, how you handle a family member’s estate depends on whether there is a will and how much the estate is worth: probate with a will, the land office for estates up to RM5 million, Amanah Raya for movable assets up to RM600,000, or the High Court. You should also check their insurance policies and unclaimed money.

Couple sorting through old insurance policy folders at home

Legacy

Your insurance agent left or stopped replying: what now?

If your agent has left, disappeared or stopped answering, your policy is still valid: it is a contract between you and the insurer, not the agent. You can check your policy yourself, keep paying premiums directly to the insurer, and ask for a new servicing agent.

Insurance advisor going through a policy summary with a client

Legacy

Great Eastern policyholder guide: e-Connect, premiums, claims and your agent

Great Eastern Life Malaysia policyholders can view policies, pay premiums and submit claims on e-Connect, the official customer portal. This is an independent guide by Lulu Loke, a Great Eastern agent; for official help, always use Great Eastern’s own website and careline.

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