Cost Drivers in Malaysia’s Medical and Health Insurance and Takaful Sector: A First Look at the Centralized Claims Database

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dc.creatorWorld Bank
dc.date2026-04-30T18:54:58Z
dc.date2026-04-30T18:54:58Z
dc.date2026-04-29
dc.date.accessioned2026-07-01T00:30:38Z
dc.descriptionMalaysia has seen sharp increases in Medical and Health Insurance/Takaful (MHIT) premiums in recent years, elevating affordability concerns and prompting a broad policy response. This report provides an empirical assessment of cost drivers in MHIT claims from 2022 to 2024. The central claims database consolidates claims submitted by licensed insurers and takaful operators and includes financial fields, clinical and administrative information. Using regression-based models, the analysis estimates service-level medical inflation by constructing price indices for comparable baskets of services. The report then decomposes spending growth into price, volume, intensity and setting-mix components to shed light on the channels driving up costs in MHIT. Finally, the report analyses selected efficiency measures to identify areas for immediate improvements.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttps://openknowledge.worldbank.org/entities/publication/9811a282-a849-4193-a604-807808bf7bf0
dc.identifierhttps://hdl.handle.net/10986/44763
dc.identifier10.1596/44763
dc.identifier.urihttp://hdl.handle.net/123456789/404893
dc.languageEnglish
dc.languageen_US
dc.publisherWashington, DC: World Bank
dc.rightsCC BY-NC 3.0 IGO
dc.rightshttps://creativecommons.org/licenses/by-nc/3.0/igo
dc.rightsWorld Bank
dc.subjectGOOD HEALTH
dc.subjectWELL-BEING
dc.subjectHEALTH INSURANCE
dc.subjectMEDICAL AND HEALTH INSURANCE/TAKAFUL (MHIT)
dc.subjectHEALTH INSURANCE PREMIUMS
dc.subjectUNIVERSAL HEALTH COVERAGE
dc.titleCost Drivers in Malaysia’s Medical and Health Insurance and Takaful Sector: A First Look at the Centralized Claims Database
dc.titleA First Look at the Centralized Claims Database
dc.typeReport

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