If you're planning to study in Malaysia as an international student, having International Student Medical Insurance is mandatory for your student visa application. This insurance ensures you have access to essential medical care during your studies and helps protect you against unexpected health expenses.
International Student Medical Insurance is a health insurance policy designed specifically for international students. It covers medical treatment, accidents, and repatriation costs (returning to your home country in emergencies). This insurance is required by the Malaysian government and must be purchased through Education Malaysia Global Services (EMGS) or approved providers such as MSIG, AIG, AXA, and Pacific Insurance via the EMGS platform.
Understanding what you need for your International Student Medical Insurance in Malaysia.
International Student Medical Insurance is compulsory when applying for your student pass.
You can buy your health insurance plan via the EMGS portal, either directly or with the help of your education provider.
Insurance policies typically last 12 months and must be renewed annually for the entire duration of your studies.
If your insurance expires before your student pass ends, you'll need to renew or top up your policy to maintain continuous coverage.
International Student Medical Insurance provides comprehensive coverage for your healthcare needs in Malaysia.
Doctor visits, hospital stays, and treatments at approved clinics and hospitals.
Financial support in the event of serious injury or loss.
Protection against damages you may cause to others.
Costs to return to your home country in certain emergency situations.
Purchase your International Student Medical Insurance through EMGS or these approved providers:
All insurance plans are available through the Education Malaysia Global Services (EMGS) platform. Your education provider can assist you with purchasing the right plan for your needs.
As an international student, your access to Malaysia's public healthcare system is limited, so private insurance like International Student Medical Insurance is essential.
Many universities offer on-campus health centers for minor illnesses, but your insurance covers broader and more serious medical needs.
Always check your policy details for any exclusions (such as pre-existing conditions or risky activities) and stay aware of renewal dates.
You have the option to purchase your International Student Medical Insurance independently through EMGS or approved insurers. If you prefer, StudyMalaysia counsellors are available to guide you through the process, help you select the best insurance plan, and ensure you meet all visa requirements smoothly.
Common questions about health insurance for international students in Malaysia.
Yes, all international students must have health insurance coverage as part of the student pass application process.
You can buy International Student Medical Insurance through the Education Malaysia Global Services (EMGS) portal or approved insurance providers like MSIG, AIG, AXA, and Pacific Insurance.
Typically, insurance policies are valid for 12 months and must be renewed annually until the completion of your studies.
Yes, you may select from approved providers listed on the EMGS platform or with assistance from StudyMalaysia counsellors.
You must renew or top up your insurance coverage to maintain valid insurance throughout your entire student visa period.
Coverage for pre-existing conditions varies by insurer, so it's important to review policy details carefully.
International students have limited access to public healthcare, so your insurance mainly covers treatment at approved private clinics and hospitals.
