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This Merdeka, we're looking at one of the clearest opportunities to modernise healthcare: how payors and TPAs support members living with chronic disease. Chronic disease is now the dominant health burden The National Health and Morbidity Survey (2023) shows just how widespread chronic disease has become in Malaysia: 15.6% of adults have diabetes, nearly 3.6 million people, one of the highest rates in the world 29.2% have hypertension, roughly 1 in 3 adults 33.3% have high ch

Most people only think about "the healthcare system" when they're already inside it — sitting in a GP's clinic, unsure if they need a specialist, or standing at a hospital counter asking what a Guarantee Letter even is. In that moment, healthcare doesn't feel like a system at all. It feels like a series of disconnected stops, each one requiring you to explain yourself all over again. There's a name for the alternative: care pathways, sometimes called clinical pathways or care