copayments Archives

3 February 2026

Letter

Base MHIT: Rethinking Sales, Pooling, Claims Risk Management — Dr Mohamed Rafick Khan

Copayments, deductibles, and broader risk-sharing are sensible tools but may not be practical. MHIT product design must account for market behaviour. In practice, agents will favour higher-commission products and insurers will avoid unprofitable risks.

29 January 2026

Letter

MHIT Base Product: Provider Tiering, Copayments And Deductibles — Dr Mohamed Rafick Khan

Tiering should not be framed as a punitive measure but as a collaborative mechanism that aligns the incentives of insurers, health care providers, and policyholders toward a common goal: sustainable, high-quality health care.

27 January 2026

Letter

MHIT Base Line Products: Copayments And Deductibles — Dr Mohamed Rafick Khan

Dr Rafick Khan says copayments and deductibles in health insurance shift expenses to policyholders. Patients may delay treatment; insurers still face large payouts. With big copayments, coverage resembles self-funding. Hospital charges must be controlled.

28 February 2025

Malaysia

Experts Suggest Copay For Innovative Breast Cancer Treatments

Oncologists moot copayments to boost access to innovative treatment for breast cancer: public patients can pay a portion (perhaps 30%-50%) of the drug cost. New targeted and immunotherapies are showing promise, especially for early-stage breast cancer.

29 November 2024

Malaysia

Insurance Industry Promises ‘Staggered’ Medical Premium Hikes, Flexible Payment Plans

The insurance industry promises to "stagger" medical insurance premium increases, and offer flexible premium payment plans as well as different plans at comparatively lower or the same premium. They allege medical claims cost inflation hit 56% (2021-2023).

28 November 2024

Malaysia

Cancer Patient Dropped Medical Insurance After 262% Premium Hike: Bayan Baru MP

Bayan Baru MP Sim Tze Tzin highlights the case of a cancer patient who was forced to drop his medical insurance last August over an unaffordable 262% premium hike, after 15 years with his insurer. The patient can only opt for a government hospital now.

13 September 2024

Malaysia

Retirees Hit By Medical Insurance Premium Hikes Up To 275%

A 65-year-old retiree complains about a 275% hike for his medical insurance premium from RM540 to RM2,030 monthly. Another 65-year-old woman faces a 72% jump in her annual medical insurance premium from RM7,795 to RM13,407. Both urge for BNM intervention.

30 August 2024

Malaysia

Market Forces Will Decide Whether To Phase Out Non-Copay Health Insurance: LIAM

Insurers say whether non-copay health insurance products are phased out depends on market forces. LIAM's Mark O’Dell says, “The 100% plans are still there. The market will dictate how long they stay around. If they’re still popular, they will be there.”

26 August 2024

Malaysia

Health Insurers May Introduce 5% To 20% Copay: LIAM

LIAM CEO Mark O’Dell says insurers are considering 5% to 20% copayments for health insurance (5% most common). Copayments will be based on expense caps ranging from RM10,000 to RM20,000. For example, a 5% copayment on a RM20,000 cap means paying RM1,000.

9 August 2024

Malaysia

Health Insurance Copay: ‘We Need Bank Negara To Protect Consumers’

Galen Centre CEO Azrul Mohd Khalib questions why the burden of managing medical inflation is placed onto patients with copayments for health insurance, urging Bank Negara to consult patients and consumers. "They're supposed to look out for us."

Tag: copayments

Base MHIT: Rethinking Sales, Pooling, Claims Risk Management — Dr Mohamed Rafick Khan

MHIT Base Product: Provider Tiering, Copayments And Deductibles — Dr Mohamed Rafick Khan

MHIT Base Line Products: Copayments And Deductibles — Dr Mohamed Rafick Khan

Experts Suggest Copay For Innovative Breast Cancer Treatments

Insurance Industry Promises ‘Staggered’ Medical Premium Hikes, Flexible Payment Plans

Cancer Patient Dropped Medical Insurance After 262% Premium Hike: Bayan Baru MP

Retirees Hit By Medical Insurance Premium Hikes Up To 275%

Market Forces Will Decide Whether To Phase Out Non-Copay Health Insurance: LIAM

Health Insurers May Introduce 5% To 20% Copay: LIAM

Health Insurance Copay: ‘We Need Bank Negara To Protect Consumers’

Hire Foreign Housemen, Medical Officers Now: Galen Centre

Master’s Graduates Run Hospitals On ‘Study Leave’ But Can’t Apply For Subspecialty Training — Physician

Worsening Waiting Times At Government Hospitals’ Medical Outpatient Clinics — Physician

Medical Officer Duties, Service Load Strain FMS Gazettement Training — Government Doctor

Coronary Stent Excluded From Civil Servants’ GL Coverage In Public Hospitals: UiTM