What is the income threshold for M40 individuals covered by MySalam?

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MySalam Scheme Expands Coverage to Include M40 Individuals Below RM40,000 Annual Income

The MySalam public health insurance scheme has been expanded to include individuals within the M40 income percentile, specifically those earning a gross annual income of less than RM40,000. This expansion, effective in 2020, aims to provide a financial safety net for a broader segment of the Malaysian population facing health emergencies. The scheme's enhancements also increase the number of critical illnesses covered and offer daily hospitalisation income replacement and government hospital fee subsidies.
Expanded M40 Income Bracket Defined

Previously focused on the B40 group, the MySalam scheme now extends its reach to encompass individuals in the M40 percentile. For the purpose of this expanded coverage, M40 individuals are defined as those with a gross annual income not exceeding RM40,000. This adjustment acknowledges the financial vulnerabilities faced by this group during periods of critical illness or hospitalisation.
Enhanced Benefits Under the Expanded Scheme

Beyond the expanded income bracket, the MySalam scheme now provides coverage for 45 critical illnesses, an increase from the previous 36. Beneficiaries can receive a one-off payment of RM4,000 upon diagnosis of a critical illness. Furthermore, the scheme offers RM50 per day as hospitalisation income replacement, intended to offset lost earnings during a hospital stay.
Government Hospitalisation Fee Support

The expanded MySalam coverage also includes financial assistance for fees incurred at government hospitals. Eligible individuals can receive up to RM700 per calendar year to cover these costs, with a limit of 14 days of hospitalisation. This provision aims to reduce out-of-pocket expenses for essential medical treatment within public healthcare facilities.
Previous Year's Assistance Figures Highlight Need

In 2019, the MySalam scheme provided protection to over 4.3 million individuals from the B40 category, aged between 18 and 55. During that year, more than 9,600 individuals received assistance totalling over RM13.7 million. Of this total, 1,448 claims were for critical illnesses and 8,214 were for hospitalisation income replacement, underscoring the scheme's impact in providing support during health crises.

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What is the income threshold for M40 individuals covered by MySalam?

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