{"id":18260,"date":"2025-03-07T16:00:00","date_gmt":"2025-03-07T08:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/insurance-takaful-industry-are-proposing-measures-to-tackle-rising-healthcare-costs.html"},"modified":"2026-03-27T19:30:24","modified_gmt":"2026-03-27T11:30:24","slug":"insurance-takaful-industry-are-proposing-measures-to-tackle-rising-healthcare-costs","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/insurance-takaful-industry-are-proposing-measures-to-tackle-rising-healthcare-costs.html","title":{"rendered":"Insurance &#038; Takaful Industry are Proposing Measures to Tackle Rising Healthcare Costs"},"content":{"rendered":"<p data-start=\"0\" data-end=\"174\">Malaysia\u2019s insurance and takaful industry namely Life Insurance Association of Malaysia (LIAM), Malaysian Takaful Association (MTA), and Persatuan Insurans Am Malaysia (PIAM) are addressing the rising healthcare and insurance costs with key proposals after discussions with the Public Accounts Committee (PAC).<\/p>\n<p><!--more--><\/p>\n<p data-start=\"0\" data-end=\"174\">As part of their commitment, the industry has implemented interim measures to support policyholders affected by premium repricing. These measures aim to alleviate financial burdens while ensuring continued access to medical &amp; health insurance and takaful (MHIT).<\/p>\n<p data-start=\"176\" data-end=\"517\">To ease financial burdens:<\/p>\n<ul>\n<li data-start=\"176\" data-end=\"517\">Premium increases will be phased over 3 years until 2026, with most hikes kept below 10% per year<\/li>\n<li data-start=\"176\" data-end=\"517\">Seniors aged 60+ with basic plans will get a one-year premium freeze<\/li>\n<li data-start=\"176\" data-end=\"517\">Lapsed policies from 2024 can be reinstated without new underwriting.<\/li>\n<li data-start=\"176\" data-end=\"517\">More affordable medical insurance and takaful products will be introduced by 2025.<\/li>\n<\/ul>\n<p data-start=\"519\" data-end=\"826\">Key recommendations include:<\/p>\n<ul>\n<li data-start=\"519\" data-end=\"826\">Introducing Diagnostic-Related Grouping (DRG) pricing for transparent medical billing<\/li>\n<li data-start=\"519\" data-end=\"826\">Developing a sustainable insurance product with Bank Negara Malaysia<\/li>\n<li data-start=\"519\" data-end=\"826\">Publishing average treatment costs to improve transparency. An industry-wide claims database will help detect fraud.<\/li>\n<\/ul>\n<p data-start=\"828\" data-end=\"1082\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" style=\"height: auto; max-width: 100%; width: 1200px;\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/143418717_m.jpg?resize=640%2C322&#038;ssl=1\" alt=\"143418717_m\" width=\"640\" height=\"322\" \/><\/p>\n<p style=\"text-align: center; font-size: 14px;\" data-start=\"828\" data-end=\"1082\"><em>(Image: 123rf)<\/em><\/p>\n<p data-start=\"828\" data-end=\"1082\">A key long-term solution proposed by the industry is the introduction of a co-payment system for MHIT products\u00a0to encourage responsible healthcare spending, along with regulating pharmaceutical costs through the Ministry of Health. Private hospitals are urged to contain costs and freeze price hikes when premium caps are enforced.<\/p>\n<p>Additionally, the industry is advocating for a tax exemption on group insurance from the 8% Sales and Services Tax (SST) to incentivise more employers to provide insurance and takaful protection for employees. Currently, approximately four million workers, including those from the B40 income group, receive coverage through workplace schemes.<\/p>\n<p>Another proposal is the appointment of an independent consultant to conduct a comprehensive study on claims inflation. The findings will provide data-driven insights and recommend targeted actions to curb rising claims costs.<\/p>\n<p style=\"text-align: center;\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" style=\"height: auto; max-width: 100%; width: 1200px;\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/238037903_m.jpg?resize=640%2C427&#038;ssl=1\" alt=\"238037903_m\" width=\"640\" height=\"427\" \/> <em><span style=\"font-size: 14px;\">(Image: 123rf)<\/span><\/em><\/p>\n<p>Encouraging and incentivising healthier lifestyles is also a focus, with the industry proposing no-claim bonuses as a reward for policyholders who maintain good health. This initiative aims to promote overall well-being, strengthen policyholder engagement, and reduce unnecessary medical claims.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malaysia\u2019s insurance and takaful industry namely Life Insurance Association of Malaysia (LIAM), Malaysian Takaful Association (MTA), and Persatuan Insurans Am Malaysia (PIAM) are addressing the rising healthcare and insurance costs with key proposals after discussions with the Public Accounts Committee (PAC).<\/p>\n","protected":false},"author":268230141,"featured_media":253,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[556],"tags":[],"class_list":["post-18260","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance &amp; 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Marking FWD Group\u2019s (\u201cFWD\u201d) ninth market in just five years, the brand will leverage FWD\u2019s strength and expertise in the insurance and protection business to cement its position\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/fwd-takaful.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":6146,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/takaful-insurance-explained-2.html","url_meta":{"origin":18260,"position":1},"title":"Takaful Insurance: Everything You Need To Know","author":"CompareHero","date":"29 April 2016","format":false,"excerpt":"Want the best deal for insurance coverage? We compare Takaful and conventional insurance to help you decide which is best for your needs. Here is a complete guide on Takaful insurance so you can broaden your insurance options. What is Takaful? Takaful is Shariah compliant insurance option which is grounded\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-8.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17842,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/difference-takaful-life-insurance.html","url_meta":{"origin":18260,"position":2},"title":"A Complete Guide To Takaful vs Conventional Life Insurance in 2022","author":"CompareHero","date":"13 January 2022","format":false,"excerpt":"Always wondered what is the difference between Takaful and Life Insurance? Although both offer the same purpose which is to protect the insurer, there are some major differences between both. Takaful is a relatively new insurance product that is marketed as an Islamic alternative to conventional insurance and is often\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-takaful-life-insurance.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-takaful-life-insurance.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-takaful-life-insurance.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-takaful-life-insurance.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-takaful-life-insurance.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18320,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/life-insurance-companies-malaysia.html","url_meta":{"origin":18260,"position":3},"title":"List Of Top Life Insurance Companies in Malaysia","author":"CompareHero","date":"8 June 2021","format":false,"excerpt":"Life insurance is a form of risk management for all individuals. It protects you and your family against unforeseen circumstances that may put your health and your life in jeopardy. With life insurance, you are covered financially and can feel comforted knowing that your family will be taken care of\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/06\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/06\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/06\/image.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/06\/image.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18118,"url":"https:\/\/www.comparehero.my\/blog\/healthcare\/government-stakeholders-unite-to-tackle-rising-healthcare-costs-with-long-term-solutions.html","url_meta":{"origin":18260,"position":4},"title":"Government &#038; Stakeholders Unite to Tackle Rising Healthcare Costs With Long-Term Solutions","author":"CompareHero","date":"11 March 2025","format":false,"excerpt":"(Image: 123rf) The Malaysian government is working with key stakeholders to tackle rising healthcare costs through long-term strategies. 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