2026-07-01http://hdl.handle.net/123456789/404893Malaysia 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.application/pdftext/plainCC BY-NC 3.0 IGOhttps://creativecommons.org/licenses/by-nc/3.0/igoWorld BankGOOD HEALTHWELL-BEINGHEALTH INSURANCEMEDICAL AND HEALTH INSURANCE/TAKAFUL (MHIT)HEALTH INSURANCE PREMIUMSUNIVERSAL HEALTH COVERAGEReport