Taylor’s University is committed to your well-being and safety throughout your time with us. To provide peace of mind and support in times of need, all students are protected under insurance coverage tailored to their status—local or international.
All students enrolled at Taylor’s University—both local and international are automatically covered under a Personal Accident Insurance plan. This insurance offers protection against unexpected events, including injuries or accidents that occur on or off-campus during your period of study. It helps to ease financial burdens in case of medical emergencies or accidental mishaps.
What’s Covered:
Medical expenses due to accidental injuries
Permanent disablement or death caused by accidents
Other compensation as outlined in the official insurance booklet
Your health matters. That’s why Taylor’s ensures all international students receive medical protection during their studies in Malaysia.
Why Is It Required?
Under the Ministry of Higher Education Malaysia guidelines, all international students must have valid Hospitalisation and Surgical Insurance coverage throughout their studies.
Who Provides the Coverage?
Taylor’s University partners with The Pacific Insurance Berhad, an approved provider listed under the Education Malaysia Global Services (EMGS) insurance panel. For full details on the insurance guidelines, visit: EMGS Insurance Guidelines 2025
What’s Included in the Medical Plan:
Once your Taylor’s Student Pass is approved, you will be automatically enrolled into the insurance plan. You will receive an email from the International Office approximately 1 to 2 months after obtaining your Student Pass, notifying you when and where to collect your card. Always carry your medical insurance card with you, especially when visiting hospitals or clinics. It is essential for identity verification and claim processing.
If your medical insurance card is lost or damaged, don’t worry—we’ve got you covered. Complete the following form and contact the International Office for further instructions:
Alternatively, you can download the e-MAS Sihatku app — a one-stop platform for all your healthcare needs. Through the app, you can check your policy entitlements, track utilisation, and locate panel hospital providers. For assistance, you can call or text (WhatsApp) e-MAS at 03-9213 0104.
Login details for the mobile app:
If you ever face a medical emergency, we want you to feel prepared and supported. This step-by-step guide walks you through the process of visiting a panel hospital — from arrival and verification to treatment and discharge. Follow these simple steps to ensure your care is smooth, timely, and worry-free.
Upon arrival at the Panel Hospital (PH), present your Medical Insurance Card or Passport Number at the admission counter for verification in the e-MAS© Sihatku system.
You will need to complete the Pre-Authorisation Form (PAF). The Panel Hospital will then submit the completed form to e-MAS© Sihatku via email or fax.
Once the Panel Hospital submits your completed PAF, e-MAS© Sihatku will review and validate the details. After verification and approval, an initial Guarantee Letter (GL) will be issued to the hospital if the treatment is covered under your insurance plan. If it is not covered, you will need to make the payment yourself.
You will proceed with your treatment and consultation as guided by the hospital’s medical team.
Upon discharge, a final Guarantee Letter (GL) will be issued to the hospital. Any non-payable items incurred during your stay will need to be settled by you.
For assistance, you can contact the International Office at Block A, Level 2. We are open from 9:00 AM to 6:00 PM, or you can email us at InternationalOffice@taylors.edu.my.
If you need to submit a claim under your International Student Insurance, please follow these steps:
Submit your completed form and original receipts to the International Office (Block A, Level 2).
Yes. All full-time students (both local and international) are covered under a limited Personal Accident (PA) Insurance plan.
Personal Accident (PA) Insurance provides 24-hour worldwide protection for bodily injuries caused by accidental means. If an injury directly results in death, disablement, or medical expenses within twelve calendar months of the incident, the policy will cover them.
You can refer to the Personal Accident Insurance booklet for a full breakdown of coverage.
Students can claim up to RM8,000 per annum. Please refer to the Personal Accident Insurance booket for detailed information.
The PA Insurance policy does not cover:
The PA Insurance operates on a ‘Pay First, Claim Later’ basis. Students must pay for their treatment first, then file a claim with the Student Welfare team. To submit a claim, provide the following documents in person to the Student Welfare team at Block B, Level 1:
Yes. Your PA Insurance covers you during your internship and while you are overseas. Claims are on a ‘Pay First, Claim Later’ basis. If an accident occurs while you are overseas, please email the Student Welfare team at studentwelfare@taylors.edu.my so they can notify the insurance company while you await your return to Malaysia to submit the claim.
No. A healthcare card is not issued for PA Insurance. In the event of an accident, you will need to pay for the consultation or treatment first and then submit a claim for reimbursement.
Submit all completed claim documents in person to the Student Welfare team, Block B, Level 1.
For injury claims, submit:
For accidental death claims, the next of kin must submit:
You can download the relevant forms as below for all PA Insurance claims:
Bring all completed documents in person to the Student Welfare team, Block B, Level 1.
Yes. All international students are covered under The Pacific Insurance Berhad, one of the approved providers on the Education Malaysia Global Services (EMGS) panel. In addition, both local and international students are protected by Personal Accident Insurance from Allianz General Insurance Company (Malaysia) Berhad.
You can view the full schedule of benefits on the Education Malaysia Global Services (EMGS) website. We encourage you to review the details to understand your coverage fully.
Not all treatments are covered. For a detailed list of inclusions and exclusions, please refer to the Education Malaysia Global Services (EMGS) website. Reviewing these details will help you plan ahead and avoid unexpected expenses.
Allianz General Insurance Company (M) Berhad (Personal Accident Insurance)
Coverage applies only when you are travelling back to your home country, and it is on a reimbursement basis. We strongly recommend purchasing additional travel insurance if you plan to travel overseas, whether for a long holiday, a short study trip, or any other purpose.
EMGS200 (The Pacific Insurance Berhad – TPIB)
No overseas coverage is provided. We highly recommend purchasing separate travel insurance for any overseas trips, including holidays, study visits, or other travel purposes.
The payment for International Student Insurance is included together with the EMGS fees, making the process simple and convenient for you.
Yes. A healthcare card will be issued within 1–2 months from the date your insurance becomes active. You will receive a notification via both your student and personal email addresses when the card is ready for collection. You can then collect it from the International Office (Block A, Level 2). Please ensure your personal email address is up to date to avoid missing this notification.
Please visit the International Office (Block A, Level 2) to submit a Replacement of Medical Insurance Card Request Form. The replacement fee is RM5.00 per card (subject to change).
Bring a photocopy of your passport (bio-data page) to the International Office and submit a Replacement of Medical Insurance Card Request Form. The replacement fee is RM5.00 per card (subject to change).
In most cases, the insurance company does not grant fee waivers, even with a police report.
Replacement cards are usually ready within 14 working days after the request is submitted. You will receive an email notification when your card is ready for collection.
Yes, you are insured from the date of your entry into Malaysia (or from the date of the Visa Approval Letter if applied locally). While waiting for your card, you will need to pay upfront for any treatment and submit your receipts for claims.
Yes. A new healthcare card will be issued each time your Student Pass and Visa are renewed.
Yes. As long as your International Student Insurance is active, you remain insured. While waiting for your card, you will need to pay first and submit a claim later.
Your insurance validity period is printed on your healthcare card.
If your insurance coverage expires before your Student Pass, the International Office will automatically arrange a top-up to extend your insurance period so it matches your Student Pass and Visa expiry date. All students are required to maintain valid medical insurance throughout their studies.
The full list of panel clinics is available on the Education Malaysia Global Services (EMGS) website. We encourage you to check the list before visiting to ensure the clinic is part of the panel.
You can find the list of panel hospitals on the EMGS website:
It’s a good idea to review these lists in advance to confirm whether your chosen hospital is covered.
Under the TPIB Silver RM20K plan (EMGS200) by The Pacific Insurance Berhad, cashless facilities (beyond RM25 per visit) are available only at panel clinics for consultation services with a GP. Visiting a GP ensures your treatment is covered according to the policy benefits.
A General Practitioner (GP) clinic is run by a registered medical practitioner who provides primary care and family medicine services.
A Specialist Clinic focuses on specific health conditions, offering in-depth diagnosis or treatment for a particular part of the body or type of illness.
Yes, but you will need a referral from a GP. Specialist fees are typically only reimbursable if you are hospitalised and the visit is part of your treatment plan.
At a panel clinic, international students enjoy cashless facilities for outpatient treatment (beyond RM25 per visit; the first RM25 is borne by the student).
At a non-panel clinic, the medical bill is not covered by insurance, and you will need to pay the full amount yourself.
You will need to pay the consultation and treatment fees upfront. You can then submit a claim later (subject to the deductible per claim).
No. In Malaysia, GPs usually dispense medication directly after your consultation, so there is no need to visit a separate pharmacy.
Yes, here’s how the cashless panel clinic process works for The Pacific Insurance Berhad card holders (EMGS200 plan):
For any assistance or questions about the cashless process, you may contact the third-party administrator (E-Mas) at 03-9213 0104.
For students under the TPIB Silver RM20K plan (EMGS200) by The Pacific Insurance Berhad:
A personal deposit is an amount the hospital may require upon admission, in addition to the treatment deposit provided by the insurance company. This is to cover:
The personal deposit is usually refundable upon discharge, minus any outstanding excess or non-covered charges.
Non-covered items are expenses not included in your policy coverage. Examples include:
The amount varies depending on the hospital. It typically ranges from MYR 200 to MYR 500, but can be higher depending on the case and hospital policy.
Cashless admission means you do not need to pay the full hospital bill upfront at a panel hospital. The insurance company settles the eligible expenses directly with the hospital, while you only pay for any personal deposit, excess, or non-covered items.
Yes. You can contact the e-MAS Sihatku third-party provider for The Pacific Insurance Berhad (TPIB) through their 24-hour hotline at 03-9213 0104. This information is also printed on the back of your healthcare card. When speaking to the e-MAS Sihatku representative, please quote: 'TPIB SILVER PLAN 20K – 12 MONTHS' to help them assist you quickly.
If you have any questions or require assistance regarding your insurance coverage, claims process, or card replacement:
