Reframing the EPF debate on medical insurance


EPF logo is seen at the entrance of its branch in Kuala Lumpur. (19/4/202) — AZHAR MAHFOF/The Star

THERE is a familiar pattern in Malaysian policy debates. We take a structural reform, compress it into a single, emotionally charged question and then argue about it as if it were the whole.

The base medical and health insurance/takaful (MHIT) plan has fallen into this trap. Much of the discussion has centred on whether Malaysians should be allowed to use their Employees Provident Fund (EPF) savings to pay for insurance premiums.

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Monthly Plan

RM 13.90/month

RM 11.12/month

Billed as RM 11.12 for the 1st month, RM 13.90 thereafter.

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Annual Plan

RM 12.33/month

RM 9.87/month

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