MediAsas: Malaysia Is Building a Floor for Medical Protection.
What MediAsas is MediAsas is the official brand for the government's Base Medical and Health Insurance and Takaful (Base MHIT) plan — a standalone, entry-level medical protection product designed under the RESET strategy jointly led by the Ministry of Finance, the Ministry of Health and Bank Negara Malaysia. The essentials, as announced: Two options. MediAsas Teras is the standard plan. MediAsas Fleksi is a standard-plus plan with additional benefits. Indicative pricing. Around RM60 to RM550 a month, with the basic tier starting near RM65, for entry ages up to 70. Coverage runs to age 85, with entry allowed later in life than most conventional medical plans permit. Six operators in the pilot: AIA, Allianz Life, Great Eastern, Prudential BSN Takaful, Etiqa Family Takaful and Syarikat Takaful Malaysia Keluarga. Timeline. A Klang Valley pilot from end-July to October 2026, with nationwide rollout targeted for January 2027. Final pricing, benefit limits and the participating hospital list are still to be confirmed after the pilot. That detail matters, and I will come back to it. Why this is bigger than one product MediAsas is not a standalone initiative. It sits alongside three structural reforms that will shape medical protection in Malaysia for the next decade: Diagnosis-Related Groups (DRG). Private hospitals move toward payment by diagnosis group rather than itemised service. This is the real counterweight to medical inflation running in the mid-teens. A basic plan is only sustainable if the cost base beneath it is disciplined. Billing transparency. A common framework for how private hospital charges are categorised and presented is being developed with the Association of Private Hospitals Malaysia. Clients cannot make informed decisions about bills they cannot read. Digital health interoperability. The Malaysia Digital Health Certification Network aims to make records portable under a "One Person, One Record" principle, reducing duplicated diagnostics.
From risk surveyor to founder, the path is built on Build, Protect, Transfer.
Each milestone in Mohamad Haidi Gan's career sharpens the same focus: governance that holds, protection that lasts, and transfers that carry value forward.
MEDIASAS: What advisers and agency leaders should do now
1. Learn the facts before the questions arrive. Clients will ask in January whether they should cancel their existing card. The answer is almost always no, but it needs to be explained, not asserted. 2. Reframe the conversation from price to adequacy. MediAsas makes "some protection" affordable. Our job remains helping families work out how much is actually enough, and what happens to the shortfall. 3. Treat this as an entry point, not a threat. Every Malaysian who buys a basic plan becomes someone who now understands what a medical card is. That is a market being educated at national scale. 4. Watch the pilot outcomes. Annual limits, waiting periods and whether pilot participants face repricing in 2027 are the open questions that will determine how we advise.
Started at MNRB Holdings, learning risk assessment from the ground up. That technical base still shapes every strategy I build today.
Most advisors stop at the sale. We don't.
Ten years in risk and takaful have taught me that protection only works when the architecture behind it is sound. That's what clients and teams come to me for.
Mohamad Haidi walked our management team through governance and risk frameworks that finally made compliance feel actionable, not abstract.
Ahmad Faizal
Chief Operating Officer, Regional Takaful Operator
He rebuilt our agency's development process from the ground up. The structure he put in place is still driving our recruitment targets today.
Nurul Huda
Agency Director, Etiqa Family Takaful Partner
His Islamic estate planning workshops gave our banking staff the confidence to raise the topic with clients. Practical, precise, and immediately useful.
Daniel Lim
Head of Wealth Management, Malaysian Bank
We brought him in for township risk governance and ESG input. His PhD-level research turned our board discussions into a clear action plan.
Siti Aisyah
Board Member, Township Development Corporation
The track record behind every engagement
Practical answers on how this career path informs the consulting, training, and planning work delivered today.
Yes. Nadi Risk Group and NRG Capital sit alongside the consulting work. Clients still get direct access to the strategist who builds and leads the protection systems, not a delegated junior.
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