Life Insurance

Dedicated Local Liaison

Being an expat in a new country shouldn't feel isolating. We act as your local advocate. From annual renewals to navigating the Malaysian healthcare system, our team is just a WhatsApp message away. We speak your language and understand your needs.

All About Our Story

Tier-Specific Expertise

The requirements for a 20-year Platinum holder differ vastly from a 5-year Silver retiree. We offer tailored consultations to ensure you aren't overpaying for coverage you don't need, while still maintaining the "Platinum-Standard" care you expect in Malaysia.

Cashless Admission to Top-Tier Private Hospitals

Our selected plans grant you "Cashless Admission" to Malaysia's top-tier private medical institutions, including Gleneagles, Prince Court, and Pantai Hospitals. We ensure that if you need care, your only focus is recovery not paperwork or upfront payments.

100% Immigration-Compliant Solutions

We don't just provide "insurance"—we provide the exact documentation required by the Ministry. Whether you are applying for the Platinum, Gold, or Silver tier, our plans are pre-vetted to meet the mandatory RM 80,000+ medical coverage and age-specific criteria, ensuring a smooth visa endorsement.

Frequently asked questions (FAQ)

Q1: Is medical insurance mandatory for the MM2H visa in 2026?

Yes. All principal applicants and their dependents (spouse and children) under the age of 60 are required to have a valid medical insurance policy from a Malaysian-licensed insurer. This is a prerequisite for the visa endorsement after you receive your "Conditional Approval Letter."

Q2: What is the minimum coverage required for MM2H medical insurance?

While the Immigration Department's requirements can vary by tier, a standard benchmark for 2026 is a minimum annual limit of RM 80,000 to RM 100,000. Our specialized plans are pre-vetted to ensure they exceed these requirements for all tiers (Platinum, Gold, and Silver).

Q3: Can I use my international health insurance for my MM2H application?

In most cases, the Malaysian Immigration Department requires a local policy from a Malaysian insurance provider. While some international plans may be accepted if they have a local representative, they often lack the "Cashless Admission" feature at Malaysian private hospitals. We recommend a local residency-specific plan to ensure 100% acceptance at the visa counter.

Q4: Do applicants over 60 years old need insurance?

For applicants aged 60 and above, the medical insurance requirement is generally discretionary. However, due to the high cost of private healthcare in Malaysia, most MM2H holders over 60 still choose to maintain a local policy for peace of mind. Note: We offer specialized "Senior-Entry" plans that provide coverage for retirees.

Q5: How quickly can I get the insurance certificate for my immigration appointment?

We understand the urgency of the "Conditional Approval" window. Once you select a plan and complete the digital application, we can usually provide your e-Certificate and Policy Schedule within 24 to 48 hours, ready for your submission to the MM2H One-Stop Centre.

Q6: Does the insurance cover my dependents too?

Yes. We provide "Family-Bundle" solutions that cover the principal applicant, spouse, and children under one umbrella. This ensures that the entire family meets the visa requirements simultaneously.