mySalam is Malaysia's free national B40 takaful scheme. It is run by Great Eastern Takaful Berhad and pays two cash benefits: a hospitalisation allowance and a critical illness benefit.
For eligibility year 2026, checks and claims are open on the official mySalam portal. This guide summarises the amounts, overnight rule, documents, claim steps and deadline — all taken from the mySalam site and official FAQs (checked 6 November 2026).
If you are also an STR recipient aged 40 or above, see the PeKa Sihat guide for free health screening — a separate scheme from mySalam.
The official FAQ describes Skim Perlindungan Nasional B40 (mySalam) as a free takaful protection scheme provided by the Government of Malaysia for eligible B40 households. It is Shariah-compliant and operated by Great Eastern Takaful Berhad.
The Government has agreed to continue the scheme through 2026. Eligibility is based on Sumbangan Tunai Rahmah (STR) recipient data from LHDN, not a separate mySalam application.
The Eligibility FAQ states that 2026 eligibility is based on receiving STR. Notices are sent in stages by SMS to the phone number updated in that programme.
The Hospitalisation Benefit page states RM50 a day for ward admission at listed government, university and armed-forces hospitals, for a maximum of 14 days a year (up to RM700).
Key rules from the Claims FAQ:
| Situation (official FAQ examples) | Allowance |
|---|---|
| Admitted 1 Jan 2026, discharged same day | RM0 |
| Admitted 1 Jan 2026, discharged 3 Jan 2026 | RM100 (2 days) |
| Emergency Unit 1 Jan, ward 2 Jan, discharged 3 Jan | RM50 (1 ward day only) |
Required documents: IC copy (front and back) and a discharge note with full name, IC number, admission/discharge dates, diagnosis, and the treating doctor's official stamp and signature.
Call the mySalam Contact Centre on 1 300 88 8938 or email [email protected] if more documents are requested, or visit a mySalam kiosk at the nearest panel hospital. Keep the phone number on the portal active — eligibility and claim SMS messages go there.
The General FAQ states RM8,000 is paid when a Covered Person is diagnosed with a critical illness certified by a doctor at the panel hospital where treatment is received. The benefit is paid only once in a lifetime.
From 1 January 2025, the protected list rose from 45 to 50 conditions, adding Rheumatoid disease, Chronic Skin disease, Blood disease, Mental illness and Rare disease (mySalam announcement 16 April 2025).
1. Go to www.mysalam.com.my and log in with your MyKad number and password (SMS or one you set).
2. Open Claims → Submit Claim, then choose Hospitalisation Claim.
3. Enter the details and upload (PDF or JPEG): IC copy (front and back) and discharge note.
4. Click Submit. Processing is estimated at 10 working days after complete documents arrive.
5. Keep a bank account in your own name updated on the portal — third-party accounts (including a spouse's) are rejected.
The Hospitalisation page lists, among others: suicide or self-inflicted injury; war/riot; violence or breaking the law; and alcohol/drug addiction, pregnancy, childbirth, abortion, contraception and infertility-related care. Check the full official list before assuming cover.
mySalam does not replace other schemes. STR recipients often also qualify for:
Government aid helps, but many families still need side income. DuitMap lists 100+ ways to make money with clear steps and links to official providers — start on the DuitMap home page.
mySalam (Skim Perlindungan Masyarakat) – hospitalisasi & penyakit kritikal: STR recipients (and spouses) qualify automatically: RM50 a day for an overnight stay in a listed government/university/armed-forces hospital ward (max 14 days / RM700 a year), plus RM8,000 once in a lifetime if diagnosed with one of 50 critical illnesses. Claims for 2026 cover close on 30 June 2027. Free.
PeKa Sihat, dulu PeKa B40 (ProtectHealth, KKM): PeKa B40 is now called PeKa Sihat. STR recipients and registered spouses aged 40 and over qualify automatically, with no registration and no fee: a health screening at a PeKa Sihat clinic, then, if needed, medical devices up to RM20,000, a RM1,000 incentive for completing cancer treatment and transport help of up to RM1,000.
JKM – Bantuan Warga Emas (BWE): RM600 a month in financial aid for people aged 60 and over from hardcore-poor households.
SARA Bulanan (penerima STR): Monthly MyKad credit for STR 2026 recipients: RM50/RM100 a month, or RM100/RM200 for eKasih poor and extreme-poor households. For basic goods, not cash.
KUSKOP – Garis Panduan Perniagaan Dari Rumah: Home-business licence (including food) from your local council.
PERKESO – Sistem Insurans Pekerjaan (SIP): Lost your job (not a resignation)? Apply for EIS benefits within 60 days: a job search allowance, training and help finding work.
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Summary of the official mySalam hospitalisation page and General, Eligibility and Claims FAQs, plus MOF Manfaat portal material, checked 6 November 2026. Terms can change; the mySalam portal and official notices are final. This is not medical, takaful or financial advice. Disclaimer