mySalam 2026: RM50 a day in hospital, RM8,000 for critical illness, claim before 30 Jun 2027

mySalam is a free Government takaful protection scheme for eligible people in the B40 group. According to the mySalam FAQ (General Questions), the scheme is operated by Great Eastern Takaful Berhad and recipients do not have to pay anything. It gives two benefits: a daily allowance while in a hospital ward and a one-off payment for critical illness.

Who mySalam 2026 covers: STR 2025 or STR 2026 recipients

According to the mySalam FAQ (Eligibility), 2026 eligibility is based on receiving Sumbangan Tunai Rahmah (STR) cash aid. The eligibility table on that page lists STR 2025 and STR 2026 recipients for 2026 coverage, with the following age criteria:

• individuals aged 18 to 65 and their spouses;
• single individuals aged 21 to 65;
• persons with disabilities (OKU) aged 18 to 65 (stated in the English version of that table).

Age is counted as at 1 January of the year concerned. An STR recipient and their spouse count as two Insured Persons, so both can claim. Recipient data comes from the Inland Revenue Board (LHDN).

If you are single and do not yet receive STR, mySalam encourages you to register for STR with LHDN first. There is no separate registration for mySalam.

Benefits: RM50 a day in hospital, RM8,000 for 50 critical illnesses

The figures above are from the mySalam Hospitalisation Benefit and Critical Illness Benefit pages and the mySalam Claims FAQ (checked 21 Oct 2026).

Key conditions for the Hospitalisation Benefit

• Only for ward admission at Malaysian Government hospitals, university hospitals and armed forces hospitals listed on the mySalam portal. Private hospitals are not included.
• You must stay at least one night in the ward. Admission and discharge on the same day is not paid.
• Staying overnight in the Emergency Unit does not count because it is outpatient treatment.
• Pregnancy, childbirth and certain other conditions are excluded. The full list is on the Hospitalisation Benefit page.

Example from the mySalam FAQ: admitted to the ward on 1 Jan 2026 and discharged on 3 Jan 2026 counts as two days, that is 2 × RM50 = RM100.

Key conditions for the Critical Illness Benefit

Five illnesses were added from 1 Jan 2025, bringing the list to 50 illnesses in 12 groups. These are rheumatoid diseases, chronic skin diseases, blood diseases, mental illnesses and rare diseases.

If you have already received RM8,000 for a critical illness between 2019 and 2024, you cannot claim again. A diagnosis at a private hospital can still be claimed if follow-up treatment is done at a panel hospital and a doctor there completes the claim form.

How to claim through the mySalam portal

Claims are made online at the official portal www.mysalam.com.my. Log in with the password sent by SMS or a password you set yourself. The short steps, according to the mySalam FAQ (Claims):

1. Log in to the portal, click Claims, then Claim Submission.
2. Choose Hospitalisation Claim or Critical Illness Claim.
3. Upload your documents in PDF or JPEG format, click Attach, then Submit.

The CI forms are downloaded in the portal after you log in. According to the mySalam FAQ, complete claims are processed in about 10 working days. Once approved, the e-credit payment is completed within 2 to 3 working days.

Payment only goes into a bank account owned by the recipient, not a spouse's or family member's account. If payment fails, update your bank details in the portal within 30 days of the notification SMS, or the claim will be withdrawn.

Need help? Call 1-300-88-8938, email info@mysalam.com.my, or visit a mySalam kiosk at a government hospital (9am to 5.30pm, Monday to Friday). The official mySalam pages do not mention a mobile app, so use the web portal.

Claim deadline for 2026 coverage: 30 Jun 2027

2026 coverage covers events from 1 Jan 2026 to 31 Dec 2026. According to the mySalam Eligibility FAQ, claims for that year can be submitted until 30 Jun 2027. Claims received after that date will not be processed.

If you were admitted to a ward in 2026, keep your discharge letter now and submit your claim as soon as possible.

How to check eligibility

According to the mySalam FAQ (Others), eligible individuals are notified by SMS early in the year or after STR data is updated. You can also check with your MyKad number in the Check Eligibility section on the mySalam home page. The 2026 eligibility check has been open since 25 Feb 2026.

For an estimate of other aid you may qualify for, try Check All My Aid. Our tool does not ask for your MyKad number.

mySalam continues in 2027 under Budget 2027

According to the Budget 2027 Speech (paragraph 88), mySalam has benefited 1.6 million people with total claims of RM1.3 billion since it was introduced, and the scheme continues in 2027. The speech does not mention any change to benefit amounts or conditions.

The eligibility criteria and claim dates for 2027 coverage have not yet been announced by mySalam.

Beware of fake messages

mySalam coverage is free and claims are made through the official portal www.mysalam.com.my. Treat as suspicious any message asking for payment to "activate" mySalam, or asking for your OTP, password or bank PIN through another link. Type the official site address yourself, and check any message you receive with the Fake Aid Message Checker.