Healthcare & Insurance

All international students at Universiti Malaya are required to have valid health insurance throughout their studies. UM's current arrangement may be bundled into your visa processing fee for the initial student pass, with renewal handled separately. Confirm the current provider, premium and coverage through UM or EMGS before paying. This page also covers the medical facilities available to you on and near campus. For any insurance-related enquiries, contact etiqaagency.um@gmail.com.

Mandatory Insurance — Etiqa Takaful

All international students are required to hold a valid Etiqa Takaful insurance policy. For renewals, you must purchase the MyUM Takaful Plan directly. The plan covers inpatient and outpatient treatment, personal accidents, and other medical expenses as required by the Malaysian Immigration Department.

Renewal Reminder

Your insurance must be renewed before or at the same time as your visa renewal. The Etiqa Cover Note must be included in your renewal document submission.

Medical Facilities

You have access to two main medical facilities:

UMMC (Universiti Malaya Medical Centre / PPUM)

A premier teaching hospital located directly adjacent to campus. Provides specialist care, complex procedures, and 24-hour emergency services. Use UMMC for serious or specialist medical needs.

UM Student Health Clinic

Located on campus for minor ailments, routine check-ups, and basic medical consultations during study hours. This is your first stop for non-emergency health concerns.

Emergency Contacts

General Emergency (Police / Ambulance / Fire): 999
UM Campus Security: 03-7967 7070
UM Student Health Clinic: 03-7967 6445
UMMC (PPUM) General Line: 03-7949 2333

Still have questions?

Etiqa Insurance Support

WhatsApp Group

Etiqa Insurance Support Group

Ask anything insurance-related

Join Group →

Last checked: 1/9/2026

Good luck! We've all been in these trenches — it will be okay~