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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
WhatsApp Lulu and she’ll explain how it applies to you.