📋 Panduan Rujukan Awam · Dikemas kini Julai 2026

Bantuan Kesihatan yang Rakyat Malaysia Layak Dapat

Health Aid Every Malaysian Is Entitled To

Ramai rakyat tidak sedar mereka layak untuk saringan kesihatan percuma, bantuan pembiayaan rawatan, zakat perubatan, dan tuntutan KWSP/PERKESO/insurans. Kami kumpulkan panduan ringkas ini — pusat & negeri — sebagai khidmat masyarakat, lengkap dengan cara memohon & pautan rasmi.

Many Malaysians don't realise they qualify for free health screening, treatment financing, medical zakat, and EPF/SOCSO/insurance claims. We've compiled this plain guide — federal & state — as a public service, with how-to steps & official links.

⚠️ Penting — sila baca: Panduan ini disediakan Hospital Pakar An-Nur sebagai pendidikan awam sahaja. Bantuan percuma/subsidi disediakan oleh agensi kerajaan (KKM, PERKESO, KWSP, institusi zakat) di fasiliti mereka mengikut syarat kelayakan. An-Nur ialah hospital swasta dan tidak menyediakan rawatan percuma, kecuali anda layak di bawah skim tertentu dan An-Nur ialah penyedia berdaftar untuk skim itu. Maklumat berubah dari semasa ke semasa — sentiasa sahkan di portal rasmi sebelum membuat keputusan.This guide is provided by An-Nur Specialist Hospital for public education only. Free/subsidised aid is provided by government agencies at their facilities per eligibility. An-Nur is a private hospital and does not provide free treatment, except where you qualify under a specific scheme and An-Nur is a registered provider. Always verify on official portals before deciding.

🩺 Saringan Kesihatan PercumaFree Health Screening

Kesan awal penyakit (diabetes, jantung, kanser) menyelamatkan nyawa & kos. Ini saringan percuma yang anda mungkin layak:

Early detection of disease saves lives & cost. Here are free screenings you may qualify for:

PUSAT

PERKESO — Program Saringan Kesihatan (HSP)

Pencarum SOCSO umur 40–59SOCSO contributors aged 40–59

Baucar saringan PERCUMA untuk pencarum aktif — saring NCD (kencing manis, darah tinggi, jantung, kolesterol) & untuk wanita, tambahan kanser payudara & serviks. Buat di klinik panel PERKESO.

FREE screening voucher for active contributors — NCDs (diabetes, hypertension, heart, cholesterol) & for women, added breast & cervical cancer. Done at PERKESO panel clinics.

  1. Muat turun app SEHATi (PERKESO) — Play Store / App Store.
  2. Download the SEHATi app (PERKESO).
  3. Daftar & semak kelayakan (auto ikut nombor pencarum).
  4. Register & check eligibility (auto by contributor no.).
  5. Jika layak, pilih klinik panel & tempah temu janji dalam app.
  6. If eligible, pick a panel clinic & book in-app.
  7. Hadir dengan MyKad — saringan percuma.
  8. Attend with MyKad — screening is free.
🔗 Portal SEHATi: sehati.perkeso.gov.my
PUSAT

PeKa B40 (ProtectHealth / KKM)

Penerima STR + pasangan, umur 40+STR recipients + spouse, aged 40+

Saringan kesihatan NCD PERCUMA untuk kumpulan B40, serta bantuan RM500 pengangkutan untuk rawatan (Semenanjung; RM1,000 Sabah/Sarawak). Tiada pendaftaran khas diperlukan.

FREE NCD screening for B40, plus RM500 transport aid for treatment (Peninsular; RM1,000 Sabah/Sarawak). No special registration needed.

  1. Buka app MySejahtera → tekan ikon PeKa B40 / Kesihatan.
  2. Open MySejahtera → tap the PeKa B40 / Health icon.
  3. Sistem semak kelayakan guna nombor MyKad — papar status "Layak".
  4. System auto-checks by MyKad — shows "Eligible".
  5. Tempah temu janji saringan di klinik berdaftar PeKa B40 terdekat.
  6. Book a screening appointment at the nearest PeKa B40 clinic.
🔗 Portal rasmi: protecthealth.com.my/peka-b40
PUSAT

Saringan di Klinik Kesihatan (KKM) — via MySejahteraKlinik Kesihatan Screening (MOH) — via MySejahtera

Semua rakyat 18+ (Jom Saring galak 40+)All citizens 18+ (Jom Saring targets 40+)

Di bawah inisiatif Jom Saring, Klinik Kesihatan KKM sedia saringan NCD percuma. Kini boleh tempah temu janji secara online — tak perlu beratur.

Under Jom Saring, MOH Klinik Kesihatan offer free NCD screening. You can now book online — no queuing.

  1. Log masuk MySejahtera → menu Appointment / Janji Temu.
  2. Log in to MySejahtera → Appointment menu.
  3. Pilih perkhidmatan: Saringan Kesihatan Kebangsaan / PeKa B40 / rawatan pesakit luar.
  4. Pick service: National Health Screening / PeKa B40 / outpatient.
  5. Cari & pilih Klinik Kesihatan di kawasan anda (daerah/negeri sendiri).
  6. Search & pick a Klinik Kesihatan in your area (own district/state).
  7. Tempah tarikh (sekurang-kurangnya 24 jam awal), isi butiran, hantar.
  8. Book a date (at least 24h ahead), fill details, submit.
🔗 Rujukan: Jom Saring — KKM
PUSAT

LPPKN — Saringan Wanita (Klinik Nur Sejahtera)LPPKN — Women's Screening

Wanita (mammogram 40–70 yang layak)Women (mammogram 40–70, eligible)

LPPKN menawarkan saringan kanser serviks (Pap smear / HPV DNA) — percuma untuk yang layak — & mammogram percuma/subsidi mengikut had pendapatan, di Klinik Nur Sejahtera.

LPPKN offers cervical screening (Pap smear / HPV DNA) — free for eligible women — & mammogram free/subsidised by income, at Klinik Nur Sejahtera.

🔗 Portal rasmi: lppkn.gov.my

💰 Pembiayaan RawatanTreatment Financing

Jika anda memerlukan rawatan berbayar, ini cara yang sah untuk membiayainya:

If you need paid treatment, here are legitimate ways to finance it:

PUSAT

KWSP — Pengeluaran Kesihatan (Akaun Sejahtera)

Ahli KWSP · penyakit kritikal diluluskanEPF members · approved critical illness

Anda boleh keluarkan sebahagian simpanan untuk membiayai rawatan penyakit kritikal yang diluluskan (kanser, serangan jantung, strok, kegagalan buah pinggang perlu dialisis, sirosis hati, Parkinson & lain-lain dalam senarai). Boleh juga untuk pasangan, ibu bapa, anak & adik-beradik (jika anda bawah 55 tahun).

You may withdraw part of your savings for approved critical illness treatment (cancer, heart attack, stroke, kidney failure needing dialysis, liver cirrhosis, Parkinson's & more). Also for spouse, parents, children & siblings (if you're under 55).

  1. Dapatkan surat anggaran kos rawatan dari hospital (kerajaan atau swasta berdaftar).
  2. Get a treatment cost estimate letter from a hospital (govt or registered private).
  3. Lengkapkan Borang KWSP 9N + Borang Pengesahan Doktor (9N MED) ditandatangani doktor pakar.
  4. Complete Form KWSP 9N + Doctor Confirmation (9N MED) signed by a specialist.
  5. Sertakan salinan MyKad (pemohon & pesakit) + dokumen hubungan keluarga jika perlu.
  6. Attach MyKad copies (applicant & patient) + relationship docs if needed.
  7. Hantar di kaunter/i-Akaun KWSP — kelulusan ~3–7 hari bekerja.
  8. Submit at KWSP counter/i-Akaun — approval ~3–7 working days.
🔗 Portal rasmi: kwsp.gov.my/member/healthcare
PUSAT

KWSP i-Lindung — Insurans/Takaful guna Simpanan

Ahli KWSPEPF members

Beli pelan perlindungan nyawa & penyakit kritikal (takaful/insurans) dengan bayaran tahunan diambil terus dari Akaun Sejahtera — perlindungan tanpa keluar wang tunai.

Buy life & critical-illness protection (takaful/insurance) with the annual premium taken from your Akaun Sejahtera — coverage without out-of-pocket cash.

🔗 Portal rasmi: kwsp.gov.my — i-Lindung

🕌 Bantuan Zakat PerubatanMedical Zakat Assistance

NEGERI · SYARIAH

Bantuan Perubatan Asnaf — Institusi Zakat NegeriAsnaf Medical Aid — State Zakat Bodies

Asnaf / golongan memerlukanAsnaf / those in need

Institusi zakat negeri (cth Lembaga Zakat Selangor, PPZ-MAIWP, dan zakat negeri lain) menyediakan bantuan perubatan untuk asnaf — merangkumi rawatan di hospital kerajaan & swasta, ubat-ubatan, alat perubatan & kos dialisis.

State zakat bodies (e.g. Lembaga Zakat Selangor, PPZ-MAIWP, and other states) provide medical aid for asnaf — covering govt & private hospital treatment, medicines, medical equipment & dialysis.

  1. Sediakan MyKad, laporan perubatan doktor, & anggaran/resit kos rawatan.
  2. Prepare MyKad, doctor's medical report, & treatment cost estimate/receipts.
  3. Sertakan penyata bank 3–6 bulan & surat sokongan (ketua kampung/pegawai kebajikan).
  4. Add 3–6 months bank statements & a support letter (village head/welfare officer).
  5. Mohon di institusi zakat negeri anda (kaunter atau portal online).
  6. Apply at your state zakat institution (counter or online portal).
🔗 Cari institusi zakat negeri andaFind your state zakat body

🪪 Insurans / Takaful — Cara Guna & TuntutInsurance / Takaful — How to Use & Claim

Kemasukan Tanpa Tunai (Guarantee Letter / GL)Cashless Admission (Guarantee Letter / GL)

Jika anda ada kad perubatan insurans/takaful, anda mungkin boleh masuk wad tanpa membayar bil penuh dahulu:

If you have an insurance/takaful medical card, you may be admitted without paying the full bill upfront:

  1. Daftar & jumpa doktor. Jika perlu masuk wad, doktor keluarkan surat kemasukan.
  2. Register & see a doctor. If admission is needed, the doctor issues an admission letter.
  3. Bawa surat + kad perubatan ke kaunter insurans/pendaftaran hospital.
  4. Bring the letter + medical card to the hospital insurance/admission counter.
  5. Hospital hantar laporan & anggaran kos kepada syarikat insurans/takaful.
  6. The hospital sends the report & cost estimate to the insurer/takaful.
  7. Jika dalam skop perlindungan, syarikat keluarkan Initial GL → masuk wad tanpa tunai (deposit simbolik mungkin diperlukan).
  8. If within coverage, they issue an Initial GL → cashless admission (a symbolic deposit may apply).

Untuk tuntutan bayar-balik (reimbursement): simpan bil terperinci, resit rasmi & laporan perubatan, hantar melalui app/portal rasmi syarikat takaful/insurans anda.

For reimbursement claims: keep the itemised bill, official receipts & medical report, submit via your takaful/insurer's official app/portal.

🤝 Bagaimana An-Nur Boleh MembantuHow An-Nur Can Help

Sebagai hospital swasta berdaftar, jika anda menjadi pesakit kami, kami boleh membantu dengan surat anggaran kos rawatan & laporan perubatan untuk tuntutan KWSP, zakat atau insurans/takaful; dan menerima kad perubatan/takaful panel untuk kemasukan tanpa tunai. Kami juga menyokong inisiatif saringan kebangsaan.

As a registered private hospital, if you are our patient we can help with cost estimate letters & medical reports for EPF, zakat or insurance/takaful claims; and accept panel medical/takaful cards for cashless admission. We also support the national screening initiatives.

⚠️ Ini bukan tawaran rawatan percuma. Kelayakan & kelulusan bantuan tertakluk kepada agensi berkaitan.⚠️ This is not an offer of free treatment. Eligibility & approval are subject to the respective agencies.

📚 Sumber Rasmi (sila sahkan di sini)📚 Official Sources (verify here)

✓ Disusun sebagai khidmat masyarakat oleh Hospital Pakar An-Nur. Maklumat berdasarkan sumber rasmi setakat Julai 2026.Compiled as a public service by An-Nur Specialist Hospital. Based on official sources as of July 2026.
⚠️ PenafianDisclaimer
Panduan ini untuk pendidikan awam sahaja dan bukan nasihat rasmi. Semua bantuan disediakan & diluluskan oleh agensi kerajaan/zakat berkaitan mengikut syarat mereka — bukan oleh An-Nur. Kelayakan, jumlah & syarat boleh berubah; sila sahkan di portal rasmi setiap agensi. An-Nur tidak bertanggungjawab atas keputusan agensi luar. This guide is for public education only and is not official advice. All aid is provided & approved by the relevant government/zakat agencies per their terms — not by An-Nur. Eligibility, amounts & terms may change; verify on each agency's official portal. An-Nur is not responsible for external agencies' decisions.