Best Takaful Medical Card Malaysia 2026 (Compared)

A private hospital bill in Malaysia does not ask whether your policy is Shariah-compliant. The ward charges the same either way. What takaful gives you is a structurally different financial arrangement behind the card — one that matters for some Malaysians and not for others.

This guide is a buying and comparison guide. It covers the six major takaful operators in Malaysia, the factors that actually determine whether a policy is good, and a step-by-step framework for deciding which operator and plan tier is right for your situation. If you want a deeper explanation of the theological and structural differences between takaful and conventional insurance, see our guide on takaful vs conventional insurance in Malaysia.

Bottom line: A takaful medical card gives you the same hospital coverage as a conventional card — cashless admission, annual limits, panel hospitals — inside a Shariah-compliant structure (tabarru' pool, no riba). It is not automatically cheaper: on comparable coverage, rates track the same risk factors. Compare on annual limit, panel hospital network, and co-payment terms first; the Islamic structure second.

Best for: Malaysians who want Shariah-compliant health cover, or anyone comparing takaful against conventional on equal terms. Six operators covered: Etiqa, Syarikat Takaful Malaysia Keluarga, Great Eastern Takaful, Prudential BSN Takaful, AIA PUBLIC Takaful, Zurich Takaful.

Last updated 17 October 2026 · money.com.my Editorial

How Takaful Medical Cards Work — The Short Version#

You make a contribution instead of paying a premium. That contribution splits:

1. Tabarru' portion — donated into a shared participant risk pool. When any participant is hospitalised, the claim is paid from this pool. The tabarru' is a mutual assistance donation, not a commercial exchange.
2. Wakalah fee — the operator's management charge. Bank Negara Malaysia requires medical takaful products to disclose the wakalah fee in the product disclosure sheet, split into commissions and management expenses, both as an amount and as a percentage of your contributions. This is the operator's main revenue, alongside any capped share of surplus.
3. Participant account (in some products) — an investment or savings component held in your name, invested in Shariah-compliant instruments. Not all standalone medical takaful products include this — check the product disclosure sheet.

If the tabarru' pool has a surplus after claims and the wakalah fee, the operator may distribute a portion back to participants. This is called surplus distribution. It is never guaranteed — a bad-claims year produces no surplus.

Every takaful operator in Malaysia is licensed by Bank Negara Malaysia under the Islamic Financial Services Act 2013 (IFSA 2013). Under BNM's Shariah Governance policy document an Islamic financial institution must keep a Shariah committee and comply with the rulings of BNM's Shariah Advisory Council. This is regulated governance, not a marketing label.

PIDM Protection — What You Need to Know First#

Before comparing operators, understand your protection baseline.

PIDM (Perbadanan Insurans Deposit Malaysia) protects eligible benefits under family takaful, general takaful, life insurance and general insurance through its Takaful and Insurance Benefits Protection System (TIPS). Protection is free and automatic. For medical and health benefits, PIDM's table gives the limit as 100% of the amount payable, subject to the conditions and limits in your certificate. For death, disability, illness and several other benefits the limit is RM500,000.

TIPS gives separate protection for certificates held with different operators or insurers, so a conventional policy and a takaful certificate at different providers each have their own limits. Benefits under several certificates with the same operator are added together if the operator, the risk event, the life insured and the certificate owner are the same.

Two things to verify:

• Confirm your operator is a PIDM member (PIDM's published list names 15 licensed takaful operators; membership is compulsory under the PIDM Act)
• Read your certificate: PIDM protects benefits "subject to the conditions and limits specified in their takaful or policy contracts"

Bank Negara Malaysia licenses and supervises takaful operators under IFSA 2013, and TIPS is the backstop if an operator cannot meet its obligations.

The Six Major Takaful Operators#

These six operators publish medical takaful plans on their own websites. We have not ranked them by distribution, limits or panel hospital network, and the plan details below were read from each operator's own pages on 17 October 2026 where a page was reachable. Contribution rates are not stated — they depend on your age, health status, coverage tier, and underwriting decision. Get direct quotes.

Etiqa Takaful#

Etiqa's takaful business is licensed as Etiqa Family Takaful Berhad and Etiqa General Takaful Berhad, both on PIDM's member list. Its medical takaful plans sold online include OneMedical Takaful and i-MedicalCard Elite.

What sets Etiqa apart (from its own pages): plans you can apply for online and manage in the Etiqa+ app, including requesting guarantee letters for cashless admission. i-MedicalCard Elite advertises unlimited lifetime cover with an annual limit up to RM250,000, a RM500 or RM1,000 deductible, room and board up to RM400 a day and renewal to age 85. OneMedical Takaful is open to adults aged 17 to 55 and children from 2 weeks to 16 years, and takes 5% off the total contribution on its family package.

Annual limits: up to RM160,000 (OneMedical Takaful) and up to RM250,000 (i-MedicalCard Elite) on the two online plans we read. The earlier "RM5 million and above" claim could not be found on Etiqa's pages and has been removed.

Watch for: Etiqa offers both takaful and conventional products. Confirm you are comparing the takaful product specifically, not the conventional equivalent with similar branding.

Syarikat Takaful Malaysia Keluarga (STMK)#

Takaful Malaysia says on its website that it was established on 29 November 1984 and began operating in July 1985; since 2018 its licence has been split in two, with Takaful Malaysia Keluarga (family) owning 100% of Takaful Malaysia Am (general).

What sets STMK apart: it is a dedicated takaful operator, not a Shariah-compliant product line within a conventional insurer. For participants who want an operator whose entire business is built around the takaful model, this distinction matters.

Annual limits: not stated here — check current product tiers at takaful-malaysia.com.my, which also carries a page on the interim measures for participants affected by medical repricing.

Watch for: panel hospitals. For East Malaysia residents or those in smaller cities, verify your nearest hospitals are on the panel before purchasing.

Great Eastern Takaful#

Great Eastern Takaful Berhad is on PIDM's member list. Its takaful health page lists three medical riders: i-Medi Evolusi, i-Medi Shield and i-Medi Signature.

What sets GET apart (from its own page): i-Medi Evolusi offers an overall annual limit up to RM2 million, deductible options up to RM20,000 and eight additional outpatient treatments. i-Medi Shield is described as a medical rider with deductible options, upgraded room and board and an unlimited overall medical limit, with an extension beyond the overall limit through co-takaful. The earlier claim that GET has "explicitly structured" its medical product to distribute surplus could not be sourced and has been removed; ask GET for the surplus terms of the specific plan.

Annual limits: up to RM2 million on i-Medi Evolusi, per GET's page.

Watch for: panel coverage. If you are based in Sabah or Sarawak, verify the East Malaysia panel hospital list specifically.

Prudential BSN Takaful (PruBSN)#

Prudential BSN Takaful Berhad says on its website that it is a joint-venture company partly owned by an indirect subsidiary of Prudential plc of the United Kingdom.

What sets PruBSN apart: we could not read PruBSN's medical product limits on its website (its product pages load dynamically), so no limits are quoted. The earlier claims of RM5 million top-tier limits and a contribution waiver on total permanent disability could not be sourced and have been removed.

Annual limits: check PruBSN's product disclosure sheet for the plan you are quoted.

Watch for: the agent network available to you and the panel hospitals near you; ask PruBSN for both.

AIA PUBLIC Takaful#

AIA PUBLIC Takaful is jointly owned by AIA Bhd., Public Bank Berhad and Public Islamic Bank Berhad, per AIA's website. Its medical takaful products include A-Life MediFlex-i, AIA i-Med Basic, A-Plus Health360-i and A-Plus Health Flex-i. (An earlier version of this guide referred to a “MedStar Takaful product range”; we could not find that name in any AIA or AIA PUBLIC Takaful source, and the top search result for it was this page itself.)

What sets AIA PUBLIC Takaful apart (from AIA's own pages): A-Life MediFlex-i offers medical protection to age 100 with no lifetime limit, and its A-Plus MediBoost-i rider raises the annual limit up to RM1.5 million. A-Plus Health Flex-i is a top-up rider with up to RM2 million of additional annual coverage, no lifetime limit and a RM20,000 deductible. AIA i-Med Basic is an online plan for ages 16 to 55 with a much lower ceiling: RM20,000 a year, RM80,000 for life, and room and board up to RM100 a day for at most 120 days a year. The earlier "300+ panel hospitals" figure could not be sourced and has been removed.

Annual limits: up to RM1.5 million a year through MediBoost-i; Flex-i adds up to RM2 million on top of an existing plan.

Watch for: AIA PUBLIC Takaful and AIA conventional use similar branding. Confirm you are buying the takaful product (under AIA PUBLIC Takaful Berhad's licence) rather than the conventional AIA product.

Zurich Takaful Malaysia#

Zurich Takaful Malaysia Berhad and Zurich General Takaful Malaysia Berhad are on PIDM's member list. Zurich's takaful health page lists MediAfya, MediAfya+, MediPro and CancerCare.

What sets Zurich Takaful apart (from its own page): Zurich says its medical takaful gives surplus sharing "without making any claim" and tax relief on the contribution. Ask what the surplus terms are for the specific plan. The earlier claim about Zurich's global claims infrastructure could not be sourced and has been removed.

Annual limits: Check current product documentation — Zurich Takaful offers multiple tiers. [Verify specific limits directly with Zurich Takaful Malaysia or their agents, as plan configurations are revised.]

Watch for: for ongoing service and claims support, confirm you have access to a licensed agent or the Zurich direct service channel in your area.

The 7 Factors That Actually Determine Whether a Plan Is Good#

1. Annual Limit#

The annual limit is the maximum the takaful operator will pay for your hospitalisation and surgical bills in a single policy year. This is the most important number.

Hospital bills vary with the condition, the hospital and the treatment, so we do not quote typical costs. Bank Negara Malaysia says medical cost inflation reached 15% in 2024, so a limit that looks generous today can shrink in real terms. Ask the hospital for a written estimate for the procedure you are worried about and compare it with the limit. Published takaful limits range from RM20,000 a year (AIA i-Med Basic) through RM160,000 and RM250,000 (Etiqa's online plans) to RM1.5 million (AIA's MediBoost-i rider) and RM2 million (Great Eastern Takaful's i-Medi Evolusi).

2. Room and Board Limit#

The daily room and board (R&B) rate your plan covers determines which ward you occupy without paying out-of-pocket. Published limits include RM100 a day (AIA i-Med Basic) and up to RM400 a day (Etiqa i-MedicalCard Elite).

Some plans apply the R&B limit proportionally to the whole bill (look for "proportional reimbursement" in the certificate). If your plan covers RM200/night and you check into a RM400/night room, such a plan could reimburse only 50% of your entire bill — not just the room cost. This catches people off guard.

Before you choose a plan: find out the standard single-bedded private room rate at the hospital you would most likely use, then match or exceed that R&B limit in your plan.

3. Panel Hospital Coverage#

Get the actual panel hospital list and cross-reference with:

• Your nearest private hospital
• Specialist hospitals you might need (cancer centre, cardiac unit, orthopaedic hospital)
• Hospitals in your home state if you work in KL but return to your home town for medical care

Ask each operator for its current panel list before you buy. Do not assume your nearest hospital is on the list — verify.

4. Co-Payment and Deductible Clauses#

These are two different cost-sharing mechanisms that reduce the operator's liability:

Deductible (also called excess): a fixed amount you pay per policy year before the takaful pays the rest. Published examples: RM500, RM1,000 or RM3,000 per rider year on AIA's A-Plus Health360; RM500 or RM1,000 on Etiqa's i-MedicalCard Elite; a RM20,000 deductible designed into AIA PUBLIC Takaful's Flex-i (reducible to RM500 at age 60), and options up to RM20,000 on Great Eastern Takaful's i-Medi Evolusi. Plans with higher deductibles have lower contributions. Suitable for people with strong emergency cash reserves who want catastrophic coverage.

Co-payment (co-insurance or co-takaful): a percentage of each eligible bill you pay after the deductible. Bank Negara Malaysia's policy document on Medical and Health Insurance/Takaful Business (the co-payment floor applies from 1 September 2024) sets the floor at 5% of claimable expenses and/or a RM500 yearly deductible: every operator must offer at least one individual medical reimbursement product with that minimum co-payment, must design all new individual products with a co-payment, and may not offer add-ons that reduce or waive it. As arithmetic, not a quote: a RM80,000 eligible bill with 10% co-insurance leaves RM8,000 for you before any cap. Co-payment does not apply to emergency treatment (including accidents), to follow-up outpatient treatment for critical illnesses such as cancer or kidney dialysis, or to treatment at a Government healthcare facility, and group plans are exempt from the minimum.

BNM also requires the product disclosure sheet for individual medical reimbursement products to follow a prescribed format of no more than two and a half A4 pages. Read the PDS before you sign — not just the marketing brochure.

5. Pre-Existing Conditions and Waiting Periods#

Bank Negara Malaysia's policy document sets the same framework for takaful operators and insurers:

• General waiting period: at most 30 calendar days from the start of cover, and it must not apply to emergency treatment after an accident
• Additional waiting period: allowed only for illnesses specified in the industry glossary of terms, and at most 120 calendar days
• Pre-existing conditions: an exclusion is limited to conditions that existed before cover started and that you could reasonably have been aware of (for example, you had received treatment or medical advice, or the symptoms were clear); if the operator denies a claim on this ground, it must prove that you knew or should have known
• Critical illness survival period: at most 30 calendar days from diagnosis

This is not a takaful-specific limitation. Conventional medical cards sit under the same rules.

Declare everything honestly at application. Claims rejected on non-disclosure grounds result in a dispute process you will want to avoid.

6. Lifetime Renewal Guarantee and Age Limit#

Published maximum benefit ages differ: Etiqa's i-MedicalCard Elite renews until age 85, AIA's A-Life MediFlex-i covers to age 100, and the planned MediAsas plan is sold up to age 70 with protection to 85 (Bank Negara Malaysia). After your sixties, switching to a new medical card becomes harder because your health history will be underwritten afresh.

Check two things before buying:

1. The guaranteed renewability clause — Bank Negara Malaysia's policy document says an insurer or operator may not refuse to renew a guaranteed yearly renewable certificate solely because you claimed in earlier years, though it may adjust terms or apply a claims loading of up to 25% of the contribution at renewal.
2. The maximum entry age and maximum benefit age — after which age does coverage terminate?

A plan that renews to a high age at 30 is significantly more valuable than one that terminates earlier.

7. Surplus Distribution Policy#

This is the differentiator that is genuinely unique to takaful. Ask each operator:

• Does this specific medical takaful product distribute surplus from the tabarru' pool?
• What is the historical distribution rate?
• How is the surplus calculated and when is it paid?

Whether a medical takaful pool shares surplus depends on the product. Zurich Takaful's site, for one, advertises surplus sharing "without making any claim", and Bank Negara Malaysia's framework sets the ground rules (surplus is distributed only after claims and expenses, on the appointed actuary's recommendation, and never if it would create a deficit). If surplus distribution matters to your decision, get a written statement about the policy for the specific product you are buying.

Published Limits and Contributions#

The age-band contribution table that stood here (for example "RM90–RM160 a month at ages 25–30 for a RM500,000 limit") could not be tied to any operator's published rate, so it has been removed. Contributions depend on your age, smoking status, health history, plan and deductible, and need a quote from the operator. Here is what the operators publish on their own pages:

Smoking status and health history affect the contribution. Bank Negara Malaysia's policy document limits the claims-based loading an operator may apply at renewal to 25% of the contribution, and says the operator must disclose that practice in the PDS.

These are standalone and rider medical takaful plans. If you buy medical takaful as a benefit within a family takaful investment-linked certificate, the total contribution will be higher but covers multiple benefits (life, disability, and medical in a single product).

Takaful vs Conventional — Who Should Choose Which#

Choose takaful if:

• Shariah compliance across your financial products matters to you. Holding a conventional medical card while your banking, investments, and other insurance are fully Islamic creates an inconsistency that some Malaysians find meaningful. Takaful resolves that.
• You want the surplus distribution mechanism. In years of low claims, a takaful pool may distribute surplus to participants under Bank Negara Malaysia's rules. It is never guaranteed, and we have not verified how much any operator has paid on its medical pools, so ask for the surplus terms of the specific plan.
• You prefer the wakalah model. The operator is paid a disclosed management fee and, under some models, a capped share of surplus (generally at most 50% of the distributable surplus, unless a solely-mudarabah operator has Bank Negara Malaysia's prior written approval to exceed it), while a conventional insurer keeps its underwriting profit. The structures differ, but neither removes the operator's interest in controlling claims, so read the PDS.

Conventional medical cards make more sense if:

• The conventional insurer's panel hospital network covers hospitals the takaful operator does not — compare the actual panel lists, particularly for East Malaysia residents or those in smaller cities.
• You are mid-policy on a conventional medical card with a clean claims record. The underwriting risk of switching (new waiting periods, potential exclusions from health changes since the original policy) often outweighs the structural benefit of converting to takaful.
• Shariah compliance is not a personal priority — the hospitalisation claim process, coverage mechanics, and practical experience at the hospital are identical.

The honest answer: if you are buying a first medical card, get quotes at the same coverage tier from both takaful and conventional operators, check the panel hospital list for both, and choose the better product. The structural difference is real — but it does not change what happens when you present your card at the hospital admissions counter.

How to Choose: A Step-by-Step Checklist#

Use this sequence. Do not skip steps.

Step 1 — Set your minimum annual limit. Work backwards from risk: could you handle a RM100,000 bill out of pocket? If no, your plan needs at least RM200,000. If you cannot handle a RM500,000 bill, your plan needs RM1 million or more. Budget determines the tier; risk tolerance determines the floor.

Step 2 — Identify the hospitals you would actually use. Write down the private hospitals closest to where you live and work. This list drives the panel comparison in Step 4.

Step 3 — Get quotes from at least three operators. Request quotes from Etiqa, AIA PUBLIC Takaful, and one of PruBSN or Great Eastern Takaful. Use an online comparison tool to see initial ranges if you wish, then go direct to the operator for the full product disclosure sheet (PDS).

Step 4 — Compare panel hospital lists against your list from Step 2. If your nearest hospital is not on an operator's panel, that operator is not suitable — regardless of price or annual limit.

Step 5 — Read the PDS for co-payment and deductible clauses. These are the most common surprises at claims time. Look specifically for: "co-insurance clause", "excess", "deductible", and "proportional reimbursement". If you find any of these, understand exactly what you would pay out of pocket on a RM50,000 claim before proceeding. BNM requires the PDS to name at least one alternative product with a co-payment feature, so you can compare.

Step 6 — Check the guaranteed renewability and maximum benefit age clause. This is in the product highlights sheet. Confirm the maximum benefit age (published examples run from 85 to 100) and whether renewal is guaranteed.

Step 7 — Declare your pre-existing conditions fully. Ask the operator to confirm in writing what is covered, what is excluded, and what — if any — loading applies. Get this in writing before you cancel any existing policy.

Step 8 — Confirm PIDM coverage. Verify the operator is on PIDM's list of insurer members (pidm.gov.my). This takes a minute and confirms your benefits fall under TIPS: 100% of the amount payable for healthcare benefits, and up to RM500,000 for others, subject to your certificate.

Medical Takaful for a Family#

"Family medical takaful" sounds like one plan that covers everyone, but it rarely works that way, and understanding why saves both money and disappointment. A medical card is priced on each individual's age and health, so a household is usually covered by a set of individual medical certificates, often grouped under one account or one family takaful certificate for convenience, rather than a single shared pool.

What this means in practice:

• Each person is rated separately. A 38-year-old parent and a 5-year-old child carry very different contributions, because age is the main price driver. Bundling them does not average the cost, it sums the individual costs.
• Children can usually be covered young. Most operators allow a child to be added from a few weeks or months old, and covering children while they are healthy avoids exclusions later. A child's medical card is typically among the cheapest to hold.
• Annual limits are usually per person, not shared. Check this explicitly. A plan that advertises a single family limit shared across all members can be exhausted by one person's serious admission, leaving the rest of the family exposed for the year.
• One missing panel hospital can fail the whole family. Apply the same panel-hospital test from the checklist above, using the hospitals nearest to where the family actually lives and where the children go to school.

The practical approach: size each family member's annual limit to their own risk, confirm whether limits are per person or shared, and keep everyone on operators whose panel covers your local hospitals. A single household account can still make the admin simpler, but price and protect each life on its own merits.

What You Can Use EPF For#

EPF members may be able to use EPF savings to pay for approved insurance or takaful, including medical cover, under the EPF's own rules. We could not open kwsp.gov.my when we re-checked this guide on 17 October 2026 (it returned HTTP 403), so we cannot confirm the scheme's current name, which account it draws on or which takaful products qualify. Check the current rules and approved-product list on kwsp.gov.my, or ask your operator, before assuming your chosen plan qualifies.

Budget 2027 note (17 October 2026). Budget 2027, tabled on 9 October 2026, announced that the Government will launch the MediAsas medical plan from January 2027 at an affordable price, with hospital payments by diagnosis and treatment type. EPF members under 55 would be allowed to pay the MediAsas premium through Akaun Sejahtera, and SMEs with fewer than 75 workers would get RM200 per worker towards the first year's premium, for up to 50 workers per company. These are announcements, not law, and the Budget speech states no premium (Budget 2027 speech, pages 37-38). Bank Negara Malaysia describes MediAsas as a medical insurance and takaful plan, with a pilot from the end of July to October 2026 and a nationwide launch planned for January 2027.

Related Guides#

• Best Medical Card Insurance Malaysia 2026 — the wider medical card comparison, conventional and takaful side by side
• Takaful vs Conventional Insurance in Malaysia — how the two models differ in structure, cost, and claims
• Critical Illness Insurance Malaysia — the lump-sum cover that works alongside a medical card

Amendment, 6 August 2026. This guide said AIA PUBLIC Takaful “runs the MedStar Takaful product range”. We could not find that product range in any AIA or AIA PUBLIC Takaful source — and the top search result for the claim was this page itself, which is not corroboration but our own assertion reflected back. The operator is real and licensed; its medical takaful products include A-Life MediFlex-i and AIA i-Med Basic, and the text now says so.

Amendment, 17 October 2026. We re-checked this guide on 17 October 2026 against PIDM's TIPS page and member list, Bank Negara Malaysia's policy documents on Medical and Health Insurance/Takaful Business and the Takaful Operational Framework, BNM's 20 December 2024 interim-measures announcement, and the operators' own websites. Corrected: (1) PIDM. The guide said medical takaful is protected up to RM500,000 per person per operator and that general takaful is not covered. PIDM's TIPS covers general takaful as well as family takaful, and gives the limit for healthcare benefits as 100% of the amount payable; RM500,000 applies to death, disability, illness and several other benefits. (2) "Bank Negara issued a circular in 2020" on co-payment disclosure: no such document found; replaced by BNM's 2024 policy document (minimum 5% co-insurance and/or RM500 yearly deductible, mandatory for new individual products, with stated exemptions). Deductibles were described as "RM3,000-RM10,000 of each admission" and co-payment as "typically 10-20%"; deductibles are per policy year and the published examples differ. (3) Waiting periods: "120 days for cancer, cardiac, kidney disease and pregnancy complications" is replaced by BNM's rule (general waiting period at most 30 calendar days; any additional waiting period only for illnesses in the industry glossary, at most 120 calendar days). (4) Operator facts: Etiqa's online plans reach RM160,000 and RM250,000, not "RM5 million and above"; AIA PUBLIC Takaful's ceiling is RM1.5 million a year through the MediBoost-i rider (Flex-i adds up to RM2 million on top of an existing plan), not RM5 million; AIA PUBLIC Takaful is owned by AIA Bhd., Public Bank Berhad and Public Islamic Bank Berhad; the STMK link was takaful.com.my and is now takaful-malaysia.com.my, and its "majority-owned by Bank Islam" claim is removed. (5) "The operator does not profit from surplus": BNM allows a performance-based share of surplus capped at 50% of the distributable surplus. (6) Great Eastern Takaful's medical riders are i-Medi Evolusi, i-Medi Shield and i-Medi Signature on its own site; the 6 August note on the takaful-vs-conventional guide that named "i-Great Medi Care" could not be matched to that page. Removed because no primary source was reachable (HELD): wakalah "20-35%"; the hospital cost list (bypass, chemotherapy, transplant, appendectomy) and "RM800 a night"; Etiqa as "largest by asset size" and "Maybank-integrated" distribution; PruBSN's RM5 million limit and TPD waiver; "300+ panel hospitals" for AIA; Zurich's claims infrastructure; the GET surplus-transparency and health-screening claims; the six-row contribution table (replaced by published limits); "smokers pay 20-40% more"; the EPF Account 2 "Flexible Health Insurance Scheme" (kwsp.gov.my returned HTTP 403); and the comparison-site names. Confirmed: the six operators named are all licensed takaful operators on PIDM's member list; Etiqa's 17-to-55 adult age band and 5% family-package saving; Zurich's MediAfya, MediAfya+, MediPro and CancerCare range. A Budget 2027 note on MediAsas was added to the EPF section (Budget 2027 data row mediasas-january-2027). Evidence: docs/verification-log/evidence-batch-e-oct17/.