Introduction
The tax declaration season often raises questions about the newly launched LHDN MediAsas tax relief. Because this plan offers basic protection at an affordable price, many policyholders want to know whether the premium is tax-deductible.
In this guide, we explain who can claim the relief, how EPF payments affect the claim, and what documents you should keep.
LHDN MediAsas Tax Relief: Medical Insurance Limit
LHDN allows taxpayers to claim up to RM3,000 a year for education and medical insurance premiums. MediAsas is a medical insurance plan, so premiums paid for the Teras or Fleksi plan may qualify under this category.
For example, if you pay RM65 a month, your yearly premium is RM780.
That leaves RM2,220 of the same relief category available for other eligible education or medical insurance premiums. The total claim, however, cannot exceed RM3,000.
What If the Policy is Paid Using EPF?
You can pay for MediAsas through EPF Account Sejahtera under i-Lindung. Using EPF funds does not affect your eligibility to claim the premium, provided the policy qualifies as medical insurance.
Keep proof of payment and premium records in case LHDN asks for supporting documents.
Documents Required for e-Filing Proof
LHDN may request supporting documents during an audit. Keep your records for seven years from the date you submit your tax return.
Download your annual premium statement from your insurer’s website or mobile app. Make sure it shows your full name, your identity card number, your policy number and the total medical premiums paid during the year.
Quick Comparison: Insurance Tax Relief
| LHDN Relief Category | Maximum Claim Limit | MediAsas Plan Eligibility |
| Life Insurance (Private Sector) | Up to RM3,000 | Not Eligible (MediAsas is not life insurance) |
| Medical & Education Insurance | Up to RM3,000 | Fully Eligible |
| EPF Contributions | Up to RM4,000 | Not related to the medical insurance category |
| Full Medical Examination | Up to RM1,000 | Not Eligible (MediAsas is not a clinical test) |
Frequently Asked Questions (FAQ)
- Can I claim relief for my spouse’s and children’s MediAsas policies?
- Yes. You can claim medical insurance premiums paid for yourself, your spouse, and your children, subject to the combined RM3,000 limit.
- Can the RM500 hospital deductible be claimed for tax?
- No. The RM3,000 medical insurance relief applies only to annual premium payments. Deductible charges and hospital co-payment bills paid in cash are not included.
- How can I obtain my Annual Premium Statement?
- You can download it from your insurer’s online portal or official mobile app. These documents are usually available by February or March each year.
Related Bjak Guides
To further strengthen your financial planning, please read our guide on medical insurance basics in Malaysia to understand consumer rights. You are also highly advised to study the 35 major exclusions under the MediAsas plan to prevent claim issues. Additionally, gain a deep understanding of how the co-payment system works.
How Bjak Helps You
Finding a medical policy that complies with LHDN tax requirements should never complicate your life. The Bjak digital platform is committed to helping Malaysians manage their health protection needs transparently, safely, and swiftly.
On Bjak.my, you are free to compare and subscribe to insurance plans fully recognized by BNM. All policy management tasks and protection provider checks can be done centrally and efficiently in one convenient account!
Conclusion
Your MediAsas scheme expenses are never in vain because they are fully claimable under the LHDN Medical Insurance category. This initiative not only protects your family’s health sustainability but also actively helps reduce your annual income tax burden. Make sure you always keep your annual statements in a safe place as supporting evidence. Compare the best health plan options and maximize your financial savings on Bjak.my today!
Also Read:
Pelepasan Cukai LHDN MediAsas: Boleh Atau Tidak?
Managing Multiple Vehicle Policies in One Bjak Account
MediAsas Pilot Program: Eligibility & Hospitals
