Question 1

What insurance does MM2H require? Is there a minimum cover?

Accepted Answer

The MM2H programme has required participants to hold valid medical insurance from a Malaysian insurer, and the cover amount, age limits and exemptions have changed over the years. Check the current requirements with the official programme or your MM2H agent, and Lulu will find a plan that meets them.

Question 2

Can foreigners buy a medical card in Malaysia? Up to what age?

Accepted Answer

Foreigners with a valid long-term pass, including MM2H, work pass and spouse visa holders, can usually apply. Each plan has a maximum entry age, commonly between 60 and 70, and premiums rise with age, so apply early.

Question 3

I have insurance at home. Can I use it in Malaysia?

Accepted Answer

Only if your home policy covers treatment abroad; many only cover treatment at home, or emergencies abroad. An international health plan may work, but Malaysian hospitals may not accept it directly, and it may not meet MM2H requirements.

Question 4

Does MM2H insurance need yearly renewal? Will a lapse affect my visa?

Accepted Answer

Medical insurance generally renews yearly. If your MM2H conditions require valid insurance, a lapse could affect your pass renewal. Use auto-payment or ask your agent to remind you.

Question 5

Will a Malaysian hospital ask a foreigner for a large deposit?

Accepted Answer

Without insurance, or at a non-panel hospital, private hospitals usually ask for a deposit based on the condition. With a local medical card at a panel hospital, a guarantee letter can be requested, so you pay no deposit or only a small one.

Question 6

Can foreigners buy Malaysian life insurance? How is the payout sent home?

Accepted Answer

Foreigners with a valid long-term pass can usually apply, subject to the insurer’s rules. The payout goes to the beneficiary’s bank account and can then be transferred abroad through normal bank procedures, with the beneficiary providing identity and account details.

Question 7

What insurance do foreign students and foreign employees need?

Accepted Answer

International students in Malaysia are generally required to have medical insurance, usually arranged through the institution or EMGS. Foreign workers need PERKESO cover and SPIKPA among other requirements, and professionals can add their own medical card and life cover.

Question 8

Is insuring a car or house the same for foreigners?

Accepted Answer

Mostly yes. Motor and fire insurance are based on the vehicle or property, and foreigners provide passport and pass details instead of an IC. Banks may also require mortgage and fire insurance for a home loan.

Question 9

Is there English or Chinese support for claims?

Accepted Answer

Insurers generally offer English and Malay service. Lulu can help with claims in English, Mandarin and Cantonese and liaise with the insurer for you.

MM2H and insurance for foreigners: 9 common questions