mySalam 2025: Eligibility & Differences with SOCSO & EPF for Employers

MySalam is a government-initiated insurance protection scheme designed to support Malaysians from the lower-income group (B40).

This scheme provides financial aid in the event of critical illness, hospitalisation, or medical emergencies.

As an employer in Malaysia, understanding MySalam can help you educate your employees on their eligibility and benefits, ensuring they are aware of the financial protection available to them.

This guide will provide detailed insights into MySalam, its eligibility criteria, benefits, and how employers can assist their employees in utilising this scheme.

What is MySalam?

MySalam is a national health protection scheme that provides financial assistance to eligible individuals diagnosed with critical illnesses or hospitalised for treatment.

This initiative is part of the Malaysian government's efforts to support low-income groups by easing the financial burden of healthcare costs.

Financial Assistance for Critical Illnesses: A one-time cash payout upon diagnosis of any of the covered critical illnesses.
Hospitalisation Benefits: Daily hospitalisation allowance for up to 14 days per year.
Fully Government-Funded: No premium payments required from beneficiaries.

MySalam vs. EPF vs SOCSO

While MySalam provides financial aid for medical emergencies, it differs significantly from EPF (Employees Provident Fund) and SOCSO (Social Security Organisation) in terms of coverage and purpose.

MySalam

Targets the B40 and M40 groups with critical illness and hospitalisation benefits.
Fully funded by the government.
Provides a one-time payout for critical illnesses and daily hospitalisation allowance.
No contribution required from employers or employees.

EPF (Employees Provident Fund)

A retirement savings scheme where both employers and employees contribute monthly.
Allows partial withdrawals for medical treatment, housing, and education.
Primarily focused on long-term financial security rather than immediate medical expenses.

SOCSO (Social Security Organisation)

Provides employment injury insurance and invalidity pension.
Covers medical expenses, temporary and permanent disability benefits, and survivors’ pension.
Employers and employees contribute a percentage of wages towards SOCSO coverage.
Offers rehabilitation and job placement support for affected employees.

MySalam vs EPF vs SOCSO

Feature	MySalam	EPF	SOCSO
Funding	Government-funded	Employee & employer contributions	Employee & employer contributions
Coverage	Critical illness & hospitalisation	Retirement savings & partial withdrawals	Workplace injuries, invalidity, and survivors’ benefits
Payout Type	One-time & daily hospitalisation allowance	Lump sum & withdrawals	Medical, disability, and pension payments
Eligibility	B40 & M40 groups	All employees & self-employed (voluntary)	All employees
Cost to Employee	None	Monthly salary deduction	Monthly salary deduction

Employers should educate employees on how MySalam complements existing EPF and SOCSO benefits, ensuring they utilise all available support systems for financial security and healthcare.

Do Employers Need to Register Employees for MySalam?

No, employers are not required to register their employees for MySalam.

The scheme is automatically available to eligible individuals based on government records, such as Bantuan Sara Hidup (BSH) or Bantuan Prihatin Rakyat (BPR) recipients.

However, employers can assist employees by providing information on how to check eligibility and make claims through the MySalam portal.

Who is Eligible for MySalam?

Eligibility for MySalam depends on income level and age group. The scheme primarily targets the B40 income group and selected individuals from the M40 group.

Criteria for Eligibility

B40 Group:
- Malaysians aged between 18 and 65 years.
- Registered recipients of the Bantuan Sara Hidup (BSH) or Bantuan Prihatin Rakyat (BPR) scheme.
- Annual household income of RM24,000 or below.
M40 Group:
- Malaysians with a taxable income of RM100,000 and below.
- Eligible individuals under this category can voluntarily register for MySalam.

Benefits of MySalam for Employees

1. Critical Illness Payout

Employees diagnosed with any of the 45 listed critical illnesses will receive a one-time cash payout of RM8,000.

2. Hospitalisation Allowance

Eligible individuals receive RM50 per day, up to 14 days per year, for hospital stays in government hospitals.

3. No Cost to Employees

MySalam is fully funded by the government, meaning employees do not have to contribute financially to receive these benefits.

How Employers Can Assist Employees with MySalam

Employers play a vital role in ensuring their employees are aware of and can access MySalam benefits. Here’s how you can help:

1. Educate Employees About MySalam

Employers can provide informational brochures and guides on MySalam eligibility and claims processes.

2. Assist in Registration and Claims

Provide assistance in filing claims, ensuring all necessary documents are prepared.

3. Promote Health and Well-Being

You can also encourage employees to go for regular medical check-ups to detect illnesses early.

Also, giving support employees face critical illnesses by offering flexible work arrangements or additional support.

How to Claim MySalam Benefits

Employees can follow these steps to claim MySalam benefits:

Check Eligibility: Visit the official MySalam website (https://www.mysalam.com.my) and enter personal details to verify eligibility.
Submit Claim Online: Log in to the MySalam portal and submit the required documents, including medical reports and hospitalisation proof.
Receive Payment: Once the claim is approved, the payout will be credited to the employee’s registered bank account.

MySalam is a crucial initiative that provides financial security to employees facing health challenges.

As an employer, spreading awareness and assisting employees with MySalam registration and claims can contribute to their well-being and productivity.

By ensuring your workforce is informed about this scheme, you foster a supportive work environment that prioritises employee health and financial stability.

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