# MySalam National Health Protection Scheme

What Is It

MySalam is a free national health protection insurance scheme established by the Malaysian Government in collaboration with Great Eastern Takaful. It provides low-income B40 and M40 individuals with free insurance coverage against 45 critical illnesses and hospitalization cash allowances.

Who Is Eligible

  • Malaysian citizens aged between 18 and 65.
  • STR (Sumbangan Tunai Rahmah) cash aid recipients and their registered spouses.
  • Classified under the B40 or M40 income bracket.

    • Required Documents

  • For Critical Illness Claim: Clinical diagnosis report signed by a government hospital doctor.
  • For Hospitalization Claim: Hospital discharge summary showing admission dates, and MyKad copy.

    • Step-by-Step Procedure

    1. Verify Eligibility: Check your mySalam registration status online using your MyKad number. 2. Submit Claim Online: Log in to the mySalam portal. 3. Select Claim Type: - Critical Illness Claim: Upload the clinical diagnosis report for one of the 45 listed critical illnesses. - Hospitalization Claim: Upload the discharge summary from any government hospital (or approved military hospital). 4. Review Status: Claim assessments are processed by Great Eastern Takaful. 5. Credit Transfer: Approved payouts are transferred directly to your bank account registered under the STR system.

    Cost & Processing Time

  • Cost: Free of charge (premium is fully paid by the government).
  • Payout Benefits:
    • - Critical Illness: One-off payment of RM8,000 (for B40) or RM4,000 (for M40). - Hospitalization: RM50 per day allowance up to 14 days per year (max RM700).
  • Processing Time: Claims are reviewed and approved within 14 working days.

    • Where to Apply

  • Portal: [mySalam Official Website](https://www.mysalam.com.my)
  • Helpdesks: Physical kiosks located at major government hospitals nationwide.

    • Important Notes

  • Hospitalization claims must be filed within 24 months of the hospital discharge date.
  • Eligible candidates are registered automatically; no separate insurance enrollment is required.