A personal loan for medical and dental costs
When treatment can't wait and isn't fully covered, a personal loan can help you pay the hospital or clinic and repay in equal monthly instalments. Before you borrow, find out exactly what your insurance, takaful or employer will pay, so you borrow only the part that is truly yours to pay.
About RM 684.49 a month at 4.90% p.a.
A parent paying for dental implant treatment that the family's medical card doesn't cover.
Apply nowWorked out at 4.9% p.a., the same rate for every period. Every approved customer pays 4.9% p.a., and your adviser confirms your amount and instalment before you sign.What it can cover
- Hospital admission deposits at private hospitals
- The part of a bill not covered by insurance: co-payment, deductible, excluded items or amounts over your limit
- Surgery, anaesthetist and specialist consultation fees
- Dental treatment such as implants, braces, crowns or root canals
- Follow-up care: physiotherapy, medication and tests after discharge
- Medical devices like hearing aids, spectacles or mobility equipment
How much to borrow
Get an itemised estimate and ask what it leaves out
For planned treatment, ask the hospital or clinic for a written, itemised estimate. Ask what it excludes, such as doctors' fees, implants, ward upgrades or extra nights, because final bills can be higher than estimates. Base your loan on the estimate plus a reasonable margin, not on a guess.
Find out exactly what you're covered for
Call your insurer or takaful operator with the diagnosis and estimate. Ask about your annual and lifetime limits, co-payment or deductible, waiting periods and pre-existing condition exclusions. Ask the hospital to request a guarantee letter (GL) so the insurer pays the hospital directly. Check your employer's medical benefits too. Borrow only for the amount you'll actually pay yourself.
Check other sources of help
Government hospitals and clinics charge much less for many treatments, depending on urgency and waiting times. EPF members under 55 may be able to withdraw from Akaun Sejahtera for EPF-approved critical illnesses, doctor-prescribed medical equipment and fertility treatment; check the conditions on kwsp.gov.my. In the example on this page, an RM 8,000 dental bill with no insurance cover is borrowed in full; if your insurer had covered part of it, you'd borrow less.
Choose a term that fits your recovery
If you'll be on unpaid leave or earning less while you recover, choose an instalment you can manage during that period. At our rate of 4.9% p.a., RM 8,000 costs about RM 114.73 in interest over 6 months, RM 213.93 over 12 months and RM 414.73 over 24 months. If you'll be reimbursed within 90 days, a short-term loan may cost less: RM 8,000 for 90 days at 4.9% p.a. (about 0.0136% a day) is RM 98.00 in interest.
What you'll usually need
- Your MyKad, verified when you sign with our licensed lending partner
- Your last 3 months' payslips, or 3 months of bank statements showing your salary
- Optional: your EPF statement, which helps confirm a steady income
- For your own planning: the hospital's or clinic's itemised estimate
- For your own planning: your insurer's guarantee letter, or its written reply on what isn't covered
Before you borrow
With a guarantee letter, the insurer pays the hospital directly up to the covered amount, so you only pay the rest. Without one, you may need to pay the full bill and claim later. Ask the hospital's admissions or insurance counter to apply for it as early as possible.
Many treatments are available at government hospitals for a fraction of the private cost. Waiting times vary, so ask your doctor whether waiting is safe for your condition before you decide.
Keep the itemised final bill, receipts and medical reports. You need them for insurance claims, and some medical expenses, such as treatment for serious diseases and fertility treatment, may qualify for income tax relief when you file on e-Filing (up to RM 10,000 for YA2025; check the current list and limits on the LHDN (HASiL) website).
If your insurer or employer reimburses you later, use the money to settle the loan early. There's no early settlement penalty, and you only pay interest up to the day you settle.
Scammers target people in a hurry. We never ask for an upfront fee, and the loan is paid into your own bank account. If anyone offers instant cash in exchange for a fee or your ATM card, walk away.
Questions
Can I use the loan to pay a family member's medical bills?
Yes. The loan is in your name and based on your income, and you can use it to pay for a parent's, spouse's or child's treatment. You choose the purpose of the loan when you apply.
Will you pay the hospital directly?
No. The loan is paid into your own bank account, and you pay the hospital or clinic yourself. This means you can pay a deposit, the final bill and follow-up costs from the same money.
Can I apply before I know the final bill?
Yes, but get an estimate first so you borrow close to the right amount. If the final bill is lower, use the difference to settle part of the loan early without a penalty.
My insurer will reimburse me later. Should I borrow?
If you have to pay first and claim later, a loan can bridge the gap. Check how long claims usually take and choose the cheapest option for that period: if you'll be reimbursed within 90 days, a short-term loan repaid in one go may cost less than instalments. Use the payout to settle as soon as it arrives.
Is a short-term loan better for a small medical bill?
If it's RM 10,000 or less and you can repay it in one go within 90 days, a short-term loan may suit you. If repaying in one go would strain you, monthly instalments are easier to manage.
Related guides
Other purposes
- Renovation loanPay your contractor and furnish your home, then spread the cost over monthly instalments.Read the guide
- Education loanCourse fees, professional certifications or your child's tuition, repaid monthly.Read the guide
- Stock financingBuy stock ahead of a busy season and repay as sales come in.Read the guide
- Equipment financingMachinery, kitchen equipment or a POS system, paid off over 6 to 108 months.Read the guide
- Emergency cash loanAn urgent bill before payday. Borrow for days, not years, and repay in one go.Read the guide
Apply in about 3 minutes
Work out your monthly repayment first with our calculator. Your adviser confirms your rate before you sign, and applying doesn't commit you to borrow.