This isn’t mandatory for expats, apart for those who fall under the MM2H programme who must have health insurance for themselves and any dependents as a condition of their visa. Although private healthcare is relatively cheap in Malaysia, costs can quickly mount up if you’re seriously ill or in an accident, so having private health insurance is certainly recommended for all expats.

Many expats will have health insurance included for themselves and their dependents as part of their salary package, although outpatient care and dental treatment may not be covered. It’s possible to buy individual medical insurance locally and there are now some policies specifically geared towards expats. ING offers a policy called I.ExpatCare, which offers very comprehensive coverage including inpatient and outpatient care, maternity, complementary therapy and medical aids. Annual premiums depend on age and start at RM4,044 for adults under 30, rising to RM14,816 for ages 61 to 70 for annual coverage of RM950,000. William Russell has the Global Health Malaysia essential plan, offering cover from around RM2,800 per month, which has been approved for MM2H visa requirements. Health insurance is also offered by local providers, although few cover outpatient care. Payment policies vary, with some insurers requiring the annual premium upfront and others happy to accept monthly payments. Alternatively you can arrange cover with an international insurer such as BUPA or PPP before you arrive, but this will be more expensive than buying insurance locally.