# PeKa B40: What It Actually Covers, and What It Doesn't

> PeKa B40 (Skim Peduli Kesihatan untuk Kumpulan B40, or B40 Health Care Scheme) is a government health aid scheme under the Ministry of Health Malaysia (KKM), operated by ProtectHealth Corporation Sdn Bhd, for recipients of Sumbangan Tunai Rahmah (STR) aged 40 and above. This article explains the scheme's four aid components, how eligibility is verified automatically, and why it is often confused with the separate mySalam scheme.

- Category: healthcare
- Language: en
- Status: published
- Updated: 2026-07-24
- Canonical: https://negaraku.md/en/healthcare/peka-b40-and-health-schemes

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Many people have heard the name "PeKa B40," but assumptions about it vary
widely — some think it covers all hospital costs, some confuse it with
mySalam, and some ignore it altogether because they think a separate
application is needed. All three assumptions are wrong. PeKa B40 has a
clear and limited scope — and knowing that scope means knowing when to
use it, and when to look for other help.

## What PeKa B40 Is

PeKa B40, or Skim Peduli Kesihatan untuk Kumpulan B40 (B40 Health Care
Scheme), is a government initiative under the Ministry of Health Malaysia
(KKM), operated day-to-day by **ProtectHealth Corporation Sdn Bhd**. Its
focus is the prevention and treatment of non-communicable diseases (NCD)
among low-income groups, through early screening and financial aid when
treatment is needed.

It is not insurance, and it is not a monthly cash payment. It is a
package of four specific forms of aid accessed at government health
facilities.

## Four Components of Aid

| Aid | What it covers | Limit/Amount |
| --- | --- | --- |
| Health screening | Physical examination, mental health screening, blood and urine tests, breast/prostate examination | Free, no out-of-pocket cost |
| Medical equipment aid | Heart stents, hearing aids, pacemakers, joint/bone prostheses, intraocular lenses, wheelchairs and similar items | Up to **RM20,000** |
| Cancer treatment incentive | Payment upon completing cancer treatment at a KKM hospital | **RM1,000** — RM300 at the start of treatment, RM700 after completion |
| Transport allowance | Covers travel costs to hospital for the treatment above | Up to **RM500** (Peninsular Malaysia) or **RM1,000** (Sabah/Sarawak/Labuan) |

The last two forms of aid — the cancer incentive and the transport
allowance — only apply to recipients who have already claimed medical
equipment aid or cancer treatment; they are not stand-alone aid.

Medical equipment aid and the cancer incentive are only disbursed at
**KKM hospitals**, through a referral from the treating doctor. Free
screening, on the other hand, can be done at registered private or
government clinics that display the PeKa B40 logo.

## Who Is Eligible, and How It's Verified

PeKa B40 eligibility does not involve a separate application form. It is
verified automatically based on two conditions:

1. A Malaysian citizen who is a **recipient of Sumbangan Tunai Rahmah
   (STR)**, or the registered spouse of such a recipient.
2. Aged **40 and above**.

Anyone who meets both conditions is eligible without needing to register
specially. Eligibility status can be checked by entering a MyKad number
on the official portal **kelayakan.pekab40.com.my**. Once eligible,
bring your MyKad to the relevant clinic or hospital for verification at
the counter.

## PeKa B40 Is Not mySalam — Don't Confuse the Two

This is the most common source of confusion. **mySalam** is a separate
scheme — a takaful protection scheme operated by Great Eastern Takaful
Berhad under the Ministry of Finance Malaysia, not KKM/ProtectHealth. Its
basic eligibility is also based on STR recipient status, but its aid is
entirely different:

| | PeKa B40 | mySalam |
| --- | --- | --- |
| Operator | ProtectHealth (on behalf of KKM) | Great Eastern Takaful (on behalf of MOF) |
| Nature of aid | Screening + equipment + treatment incentive | Daily ward allowance + lump-sum critical illness payout |
| Government hospital ward allowance | None | Yes — daily allowance while admitted, capped per year |
| Critical illness (one-off payment) | None | Yes — one-off lump-sum payment once confirmed |

Both schemes can be claimed at the same time because they cover
different things — one for screening and equipment, the other for
allowances while admitted to a ward or once a critical illness is
confirmed. Assuming one already covers the other means missing out on
aid you would otherwise be entitled to claim.

## Common Mistakes

- **Assuming PeKa B40 covers all hospital costs.** It only covers the
  four specific components above, not general hospital bills.
- **Not claiming because of thinking an application must be made
  first.** Eligibility is automatic for STR recipients aged 40+; you
  only need to check your status and go to a registered facility with
  your MyKad.
- **Ignoring mySalam because of thinking you're already covered by PeKa
  B40.** Both schemes are separate and can be claimed at the same time.
- **Trying to claim equipment aid at a private clinic.** This component
  is only available at KKM hospitals through a doctor's referral.

## What's Next

Check your own eligibility at **kelayakan.pekab40.com.my** using your
MyKad number, and if eligible, go to your nearest registered government
clinic displaying the PeKa B40 logo — read [Klinik Kesihatan: How
Malaysia's Government Primary Care System Actually
Works](/en/healthcare/klinik-kesihatan) to understand the types of KKM
facilities involved. For households with elderly members who may need
additional support beyond PeKa B40, also read [elderly care options in
Malaysia](/en/healthcare/healthcare-for-seniors). To check mySalam
status, visit the official mySalam portal separately.

## Sources

- PeKa B40 — https://protecthealth.com.my/peka-b40/ (ProtectHealth Corporation Sdn Bhd (pengendali skim rasmi PeKa B40 bagi pihak Kementerian Kesihatan Malaysia))
- Skim Peduli Kesihatan untuk Kumpulan B40 (PeKa B40) — https://manfaat.mof.gov.my/b2026/individu/pekab40 (Kementerian Kewangan Malaysia (MOF) — Portal Manfaat)
- Skim Peduli Kesihatan (PEKA) untuk Kumpulan B40 — https://ihsanmadani.gov.my/inisiatif/kesihatan/skim-peduli-kesihatan-peka-untuk-kumpulan-b40-0 (Portal Ihsan MADANI, Jabatan Perdana Menteri)
- Semakan Kelayakan PeKa B40 — https://kelayakan.pekab40.com.my/semakan-kelayakan (ProtectHealth Corporation Sdn Bhd (portal semakan kelayakan rasmi PeKa B40))
- mySalam — Soalan Lazim: Kelayakan — https://www.mysalam.com.my/mys/info/?url=faq_kelayakan (mySalam, dikendalikan oleh Great Eastern Takaful Berhad di bawah Kementerian Kewangan Malaysia)

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