mySalam 2026: who qualifies, how to check (semakan), benefits and how to claim
mySalam is a free takaful protection scheme for lower-income Malaysians. If you receive Sumbangan Tunai Rahmah (STR), you and your spouse are covered automatically, with no sign-up and nothing to pay. The Budget 2027 speech confirmed it continues next year. Here is what it pays for, how to check your status, and how to claim.
Key points
- mySalam covers STR recipients aged 18 to 65 and their spouses. Enrolment is automatic through STR data, so there is no registration and no contribution.
- It pays RM8,000 once if you are diagnosed with one of 50 critical illnesses, including cancer, heart attack, stroke and, since 2025, some mental illnesses.
- It also pays RM50 a day when you are admitted to a government hospital, for up to 14 days (RM700) a year, and helps with some medical devices.
- You claim online on the mySalam portal or at mySalam kiosks in government hospitals. Missing documents are the main reason claims are rejected.
- About 1.88 million people had received mySalam payouts by the end of 2025, totalling RM1.42 billion.
What is mySalam?
mySalam is a national health protection scheme launched in 2019 for the B40 (lower-income) group. It is funded through a trust fund managed by the Ministry of Finance and administered by Great Eastern Takaful Berhad. It doesn’t pay your medical bills. Instead it gives you cash when you are diagnosed with a serious illness or admitted to hospital, to help with lost income and other costs.
It is separate from PeKa B40, which offers free health screening and other help for STR recipients aged 40 and over, and from MediAsas, the voluntary medical insurance plan starting in January 2027.
Who qualifies for mySalam in 2026?
- STR recipients aged 18 to 65, and their spouses, are covered. About 9.15 million STR recipients are eligible in 2026.
- Coverage is automatic. mySalam uses the STR records from the Inland Revenue Board (LHDN), so you don’t need to register or pay anything.
- If you don’t receive STR, you aren’t covered. If you think you qualify for STR but haven’t applied, apply for STR first through LHDN.
Coverage follows your STR status for the year, so check your status each year rather than assuming you are still covered.
mySalam benefits
| Benefit | What you get |
|---|---|
| Critical illness | RM8,000, paid once, if you are diagnosed with one of 50 listed critical illnesses |
| Hospital income | RM50 a day when you are admitted to a government hospital, up to 14 days (RM700) a year |
| Medical devices | Help with the cost of some medical devices, such as heart stents, of up to RM30,000 |
The 50 critical illnesses include common conditions such as cancer, heart attack, stroke and kidney failure. From 2025, the list was expanded from 45 to 50 illnesses, adding conditions including schizophrenia, bipolar disorder and major depressive disorder, thalassaemia major, aplastic anaemia, psoriasis, pemphigus vulgaris, rheumatoid arthritis and some rare diseases. The full list is on the mySalam website.
The hospital income is paid for stays in government hospitals, which reports describe as including military and university hospitals. It is not paid for private hospital stays.
How to check your mySalam status (semakan)
- Go to the official mySalam website at www.mysalam.com.my.
- Choose the eligibility check (semakan kelayakan) and enter your MyKad number.
- The result shows whether you are covered for the year.
“mySalam login” refers to your account on the same website, which you sign in to with your MyKad number. You use it to check your status, submit claims, follow a claim and update your bank details.
Beware of fakes. mySalam is free. Use only the official website, and never pay anyone or share your banking password to “register” or speed up a claim.
How to make a mySalam claim
You make the claim yourself. The hospital doesn’t submit it for you. You can claim:
- online through your account on the mySalam website, or
- at a mySalam kiosk: there are more than 140 in government hospitals.
Documents you need:
| Claim | Documents |
|---|---|
| Critical illness | The mySalam critical illness form completed by your doctor, and a copy of the front and back of your MyKad |
| Hospital income | Your hospital discharge note, and a copy of the front and back of your MyKad |
Upload clear PDF or JPEG copies. Approved payments go into the bank account registered in your mySalam account, so make sure your details are correct.
Deadline: claims have had to be submitted by 30 June of the following year. For example, 2025 claims were due by 30 June 2026. Check the website for the current deadline and claim as soon as you can.
Why mySalam claims are rejected
A November 2025 report found that only about 54% of claims made from 2019 to 2024 were paid. Common problems include:
- missing or unclear documents, such as a blurry discharge note or an incomplete doctor’s form
- an illness that isn’t on the list of 50, or doesn’t meet its definition
- a stay in a private hospital, which isn’t covered for hospital income
- not being an STR recipient, or the spouse of one, in that year
- a claim sent after the deadline
If your claim is rejected for missing documents, collect them and claim again before the deadline.
mySalam in numbers
According to figures given by the government in June 2026, by 31 December 2025:
- about 1.29 million people had received hospital income payouts, totalling RM394.9 million
- 89,085 people had received critical illness payouts, totalling RM712.7 million
- 13,128 people had received medical device help, totalling RM65.3 million
In all, about 1.88 million people had received RM1.42 billion. The scheme was extended into 2026 in Budget 2026, and the Budget 2027 speech in October 2026 said it will continue in 2027.
mySalam, PeKa B40 and MediAsas compared
| mySalam | PeKa B40 | MediAsas | |
|---|---|---|---|
| Who | STR recipients aged 18–65 and spouses | STR recipients aged 40+ and spouses | Anyone who signs up (from January 2027) |
| Cost | Free, automatic | Free | Paid premium; EPF savings can be used |
| What it gives | Cash for critical illness and government hospital stays; medical device help | Free screening, medical device aid, cancer treatment and transport incentives | Medical insurance for hospital treatment |
If you qualify for both mySalam and PeKa B40, you can use both. PeKa B40’s free screening, at a panel clinic, can pick up conditions such as diabetes, high blood pressure and some cancers early. See our guide to free health screening in Malaysia.
Get screened early at a clinic
mySalam pays out after a diagnosis, but catching an illness early matters more. If you receive STR and are 40 or over, you can get free health screening at a PeKa B40 panel clinic. Our directory lists PeKa B40 panel clinics and GP clinics across Kuala Lumpur, Selangor and other states.
Browse the clinic directoryFrequently asked questions
Who is eligible for mySalam?
STR recipients aged 18 to 65 and their spouses. Coverage is automatic through STR records, with no registration or payment.
How do I check if I am covered by mySalam?
Enter your MyKad number in the eligibility check on the official mySalam website, www.mysalam.com.my.
How much does mySalam pay?
RM8,000 once for one of 50 critical illnesses, RM50 a day for government hospital stays up to RM700 a year, and help of up to RM30,000 with some medical devices.
What is the mySalam RM700?
It is the yearly maximum for hospital income: RM50 a day for up to 14 days in a government hospital.
Does mySalam cover private hospitals?
The hospital income benefit is for stays in government hospitals, including military and university hospitals, not private hospitals.
How do I claim mySalam?
Online through your account on the mySalam website, or at a mySalam kiosk in a government hospital. You need your doctor’s critical illness form or your discharge note, plus a copy of your MyKad.
Is mySalam continuing in 2027?
Yes. The Budget 2027 speech in October 2026 said mySalam will continue in 2027.
Do I need to pay or register for mySalam?
No. It is free and automatic for eligible STR recipients and their spouses. Don’t pay anyone who offers to register you.
Sources
- The Star — Nearly 1.9 million benefit from mySalam health safety scheme (13 Jun 2026)
- Malay Mail — Hospitalisation, critical illness and medical device aid among RM1.42b mySalam payouts (12 Jun 2026)
- RinggitPlus — 9.15 million STR recipients eligible for mySalam coverage this year (Jul 2026)
- CodeBlue — Report: mySalam paid out 54% of critical illness, hospitalisation claims (Nov 2025)
- Utusan Malaysia — Parlimen: 1.8 juta individu nikmati inisiatif perlindungan kesihatan mySalam (Nov 2025)
- Kosmo — mySalam kini lindungi 50 penyakit kritikal (Apr 2025)
- SAYS — Healthcare reforms proposed in Budget 2027 (Oct 2026)
- MyGov — PeKa B40
