Petaling Jaya, 28 April 2026 – Malaysia’s medical and health insurance/takaful sector is facing renewed scrutiny after a World Bank report found that hospital supplies and services now account for the dominant share of inpatient medical insurance claim costs, raising concerns over affordability, billing transparency and the long-term sustainability of private healthcare coverage.

According to the report, hospital supplies and services, commonly referred to as HSS, accounted for 70% of total inpatient Medical and Health Insurance/Takaful claims costs in 2022, before rising to 72% in 2023 and 74% in 2024 across hospitals captured in the centralised MHIT database. HSS includes consumables, laboratory tests, diagnostic equipment, scanners and X-rays.

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Author

Bernard Lee
Bernard is a social activist dedicated to championing community empowerment, equality, and social justice. With a strong voice on issues affecting grassroots communities, he brings insightful perspectives shaped by on-the-ground advocacy and public engagement. As a columnist for The Ledger Asia, Bernard writes thought-provoking pieces that challenge norms, highlight untold stories, and inspire conversations aimed at building a more inclusive and equitable society.