YA2026
RM3,000
YA2027 (Proposed)
RM3,000
What qualifies?
- Life insurance / family takaful for yourself and your spouse.
- From YA2026: policies for children too (unmarried under 18; unmarried 18+ in tertiary education; or disabled).
- Voluntary EPF top-ups.
Tips
- For investment-linked policies only the protection portion counts — check the insurer’s tax certificate.
Records to keep
Annual premium statement from the insurer.
What’s changing
- YA2026: From YA2026: life insurance / family takaful for children also qualifies.
How much tax does the full RM3,000 save?
Single, no bonus, basic reliefs only. Tax saved ≈ amount claimed × your marginal rate.