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THE Alliance for a Safe Community fully supports the government's move to explore the introduction of a Basic Health Insurance Plan for all Malaysians.

This is a long-overdue and much-needed initiative to ensure accessible, equitable, and affordable healthcare coverage, particularly for the B40 and vulnerable groups who remain underserved by the current health financing system.

In recent years, the cost of healthcare has continued to rise, making it increasingly difficult for low-income families to afford treatment for chronic illnesses, emergency care and preventive health services.

A Basic Health Insurance Plan will provide much-needed financial protection for Malaysians, reduce out-of-pocket expenses, and prevent families from falling into poverty due to medical costs.

We believe such a plan will also complement and strengthen our existing public healthcare system by promoting shared responsibility between the government and citizens, ensuring sustainable funding for healthcare, while enhancing access to quality care for all. However, the success of this initiative will depend heavily on transparency, inclusivity, and effective implementation.

We urge the government to consider the following in designing the plan:

Affordability and Accessibility – Premiums must be affordable, especially for the lower-income group.  No one should be excluded due to financial constraints.

Comprehensive Basic Coverage – The plan should include outpatient care, emergency treatment, preventive screenings, and chronic disease management.

Simplicity and Clarity – The scheme must be easy to understand and navigate, avoiding unnecessary bureaucracy that may discourage enrolment.

Government Subsidies for the Needy – There should be full or partial subsidies for those who are unemployed, elderly, disabled, or in the B40 category.

Strong Regulatory Oversight – A robust monitoring mechanism is needed to ensure accountability, prevent abuse, and uphold the quality of care delivered under the scheme.

Public engagement and education will also be vital to ensure that the population understands the purpose and benefits of the plan, and to build trust in its administration.

We commend the government for this important step and look forward to a comprehensive plan that prioritises the health, dignity, and financial security of all Malaysians.

A Basic Health Insurance Plan is not just a policy – it is an investment in the well-being and resilience of our nation.

The views expressed here are the views of the writer and do not necessarily reflect those of the Daily Express. If you have something to share, write to us at: [email protected]