Tax reliefs · YA2026
Education & medical insurance tax relief — YA2026
Insurance premium for education or medical benefit
Short answer: You can claim up to RM4,000 for Education & medical insurance in Year of Assessment 2026, with receipts as proof. The cap is the same as in YA2025.
- YA2026 cap
- RM4,000
- Receipt needed
- Keep receipts as proof
The YA2026 relief table on this page is based on the Budget 2026 tax measures published by the Ministry of Finance, combined with LHDN's latest official table — LHDN has not published the official YA2026 table yet. This page updates itself as soon as it is published. Budget document (belanjawan.mof.gov.my)
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Updated
Checked against official LHDN sources: relief table · rates, deadlines & rules . Checked automatically every day; a change is accepted only after two identical readings. Year of assessment: YA2026.
Who qualifies & what counts
Education and medical insurance
Official source: belanjawan.mof.gov.my
Who claims it in a family
The taxpayer who paid the expense claims it on their own return — for the people named in the official conditions (for example yourself, your spouse, children or parents).
In ListBelanja, a receipt like this can be assigned to whichever spouse actually paid — the household optimiser suggests the split that saves the most.
Proof checklist
- The original receipt, invoice or e-receipt for every payment — dated in 2026 and showing the seller, what was bought and the amount.
- The annual education / medical insurance premium statement.
- Keep everything for 7 years — LHDN may ask for it during a review.
- ListBelanja keeps the receipt image with the claim and builds a one-year audit pack when you need it.
Education & medical insurance cap by year of assessment
| Year of assessment | Cap | Change |
|---|---|---|
| YA2026 (Budget) | RM4,000 | No change |
| YA2025 | RM4,000 | Up RM1,000 |
| YA2024 | RM3,000 | No change |
| YA2023 | RM3,000 | No change |
| YA2022 | RM3,000 | — |
Source: LHDN's official relief table for each year of assessment; the YA2026 (Budget) row comes from the Ministry of Finance's Budget tax measures until LHDN publishes its official table. Synced daily by ListBelanja.
How much tax does Education & medical insurance relief save?
Annual tax for a single employee at a few monthly salaries, without and with the full RM4,000 claim for this relief (YA2026):
| Monthly salary | Tax without | Tax with | You save |
|---|---|---|---|
| RM4,000 | RM200 | RM80 | RM120 |
| RM6,000 | RM2,490 | RM2,050 | RM440 |
| RM10,000 | RM11,150 | RM10,150 | RM1,000 |
| RM20,000 | RM41,150 | RM40,150 | RM1,000 |
Estimate calculated by ListBelanja's tax engine from LHDN's latest published tax-rate table and the YA2026 relief caps: single, statutory employee EPF, automatic self relief, no other reliefs. Your actual tax depends on your own income and reliefs.
What changed for YA2026
- No change in the cap or conditions from YA2025.
How to claim it with ListBelanja
- Scan the receipt as soon as you buy — or forward the e-receipt to your receipt address.
- AI matches eligible items to Education & medical insurance relief and adds them up.
- The RM4,000 cap is applied automatically, and the remaining cap is shown so you know how much more you can claim.
- At e-Filing time the total is ready in the right box with a Copy button.
Frequently asked questions
What is the Education & medical insurance relief cap for YA2026?
The Education & medical insurance relief cap for YA2026 is RM4,000, according to the Budget 2026 tax measures (Ministry of Finance). LHDN has not published the official YA2026 table yet; this page updates itself when it does.
Do I need to keep receipts for Education & medical insurance relief?
Yes. Keep the receipt or invoice as proof for 7 years — LHDN may ask for it during a review.
Did the Education & medical insurance cap change for YA2026?
The cap is the same as in YA2025.
Who can claim Education & medical insurance relief?
The taxpayer who paid the expense claims it on their own return — for the people named in the official conditions (for example yourself, your spouse, children or parents).
What proof should I keep for Education & medical insurance relief?
The original receipt, invoice or e-receipt for every payment — dated in 2026 and showing the seller, what was bought and the amount. The annual education / medical insurance premium statement. Keep everything for 7 years — LHDN may ask for it during a review.