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The rule in writing
“MM2H lists health insurance as a required document, and MOTAC’s published guide states the acceptance test in writing: cover “must be from any Malaysian or foreign insurance provider with worldwide coverage”. A policy issued outside Malaysia is therefore accepted on the government’s own wording rather than on an insurer’s assurance. The insurance document sits at the immigration pass stage — the programme’s application checklist at the MOTAC intake stage carries no insurance line. Note an unresolved conflict at exactly age 60: the guide applies the requirement to applicants “aged 60 and below”, while the application guidelines booklet states “exempt for age 60 and above”. Treat under-60 as settled and the exact-60 case as open.”
Official source: MOTAC — Guide: Malaysia My Second Home (linked from mm2h.gov.my/apply/references), with the MM2H Application Guidelines Booklet — Last verified:
What MM2H is, and what it is not
Malaysia My Second Home is a long-stay residence programme, not a work visa and not a path to citizenship. It grants a renewable pass to people who can demonstrate financial standing and who intend to spend meaningful time in the country.
It has been revised more than once, which is why so much of what circulates online is out of date. Everything below comes from the official MOTAC guidelines booklet; that document carries its own accuracy stamp, and where a figure matters we would rather point you at the source than paraphrase it.
The financial conditions
The programme runs in tiers, and the fixed deposit is the main lever:
- Age floor: 25 — MM2H is no longer a retirement-only route
- Fixed deposit: USD 1,000,000 / 500,000 / 150,000, depending on the category applied for
- Property: from RM600,000 at the Silver tier
- Participation fee: RM1,000 at Silver
The deposit is the condition that decides most applications, and the tier you qualify for decides the length and privileges of the pass.
Source: MOTAC — MM2H Application Guidelines Booklet & Application Checklist (One Stop Centre MM2H), read 22 September 2026.
The tiers in detail: deposit, property, fees
The fixed deposit is what sorts applicants into tiers, and the tier decides the rest.
The deposit runs at USD 1,000,000, 500,000 or 150,000 depending on the category applied for. It is a deposit rather than a fee — it stays yours, held in a Malaysian account, but it is genuinely locked and should not be money you expect to deploy elsewhere.
Property enters at RM600,000 for the Silver tier. A purchase at or above the threshold, not a rental.
The participation fee at Silver is RM1,000. Small beside the deposit, but it is a fee and does not come back.
Note what is not a tier condition: age beyond the floor of 25, and — for anyone 60 or over — insurance. The programme's conditions are financial first and demographic second.
Source: MOTAC — MM2H Application Guidelines Booklet & Application Checklist, read 22 September 2026.
The stay obligation people miss
MM2H is not a pass you can hold and ignore. The guidelines set a cumulative 90 days per year presence obligation.
Cumulative matters: it does not have to be a single block, but it does have to add up. Applicants who treat MM2H as a standby residency for occasional visits are the ones who run into difficulty at renewal.
Where health insurance actually sits
This is the requirement most commonly described wrongly, in both directions.
Health insurance is a listed document for applicants below 60 years old. The official guidelines state the exemption in terms: exempt for age 60 and above. That inverts the pattern most movers expect, where older applicants face more conditions rather than fewer.
The second detail is placement. The insurance document sits at the immigration pass stage, not on MOTAC's intake checklist — so an applicant reading only the intake list will not see it, and will meet it later. Renewal asks for it again, alongside a current medical report.
On whether a foreign policy counts, this is now settled in writing rather than by assurance: MOTAC’s published guide states the test in terms — cover “must be from any Malaysian or foreign insurance provider with worldwide coverage”. That is published government wording, not an insurer’s say-so. Check the area of cover on your own certificate against it: The cover we arrange is worldwide — the United States is the one exception.
Source: MOTAC — MM2H Application Guidelines Booklet & Application Checklist (One Stop Centre MM2H), read 22 September 2026.
What to do about the insurance condition
If you are under 60, you will need cover and it will be checked twice — at the pass stage and again at renewal. Two practical consequences:
- Buy cover you intend to keep, not a one-year certificate for the file. Renewal asks again.
- Make sure the policy is residence cover. Travel insurance bought for a long trip will not survive scrutiny at renewal even if it clears the first check.
If you are 60 or over, the programme exempts you — but the Ministry of Health still bills foreigners on its own published schedule, and Malaysian private hospitals still ask self-payers for a deposit. The exemption removes a paperwork requirement, not the exposure.
Pre-existing conditions are excluded and cover is governed by the Regency Assurance policy wording.
Source: Ministry of Health Malaysia — Caj Bagi Warga Asing (foreigner service rates), read 22 September 2026.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.