Do not compare basic plan with premium insurance

THE proposed base Medical and Health Insurance or Takaful (MHIT) plan has been criticised for offering limited coverage and lacking competitiveness. Such assessments, however, are relying on an inappropriate comparison.

The base MHIT plan is not designed to rival comprehensive private medical insurance products. It is a baseline policy instrument intended to provide affordable and standardised health protection for Malaysians who are uninsured or struggling with rising insurance premiums. Its effectiveness should be evaluated based on whether it improves financial protection and access, rather than whether it matches premium insurance plans.