Your 2026 tax-relief checklist: the insurance reliefs most Malaysians miss2026 报税清单：大马人最常错过的保险扣税Senarai pelepasan cukai 2026: insurans yang ramai terlepas

Every April, Malaysians leave relief on the table simply because the receipts weren't filed. Under the Income Tax Act 1967, several insurance and protection premiums reduce your chargeable income — but only if you can produce the statement. Here is the checklist we run with clients before they file.每年四月，许多大马人白白错过扣税，只因单据没归档。根据《1967 年所得税法令》，多项保险与保障保费可减少应税收入 — 前提是你拿得出对账单。以下是我们在客户报税前会过的清单。Setiap April, rakyat Malaysia terlepas pelepasan kerana resit tidak difailkan. Di bawah Akta Cukai Pendapatan 1967, beberapa premium insurans mengurangkan pendapatan bercukai — jika anda boleh tunjukkan penyata.

01Pull every statement before you log in登录前，先备齐每份对账单Kumpul setiap penyata sebelum log masuk

Insurers issue an annual tax statement that splits your premium into the life, medical and savings portions LHDN actually recognises. Download it for every policy — yours and your spouse's if you file jointly — before you open e-Filing. A bundled investment-linked policy often qualifies under two relief lines at once.保险公司会出具年度税务对账单，把保费拆分为 LHDN 认可的人寿、医疗与储蓄部分。在打开电子报税前，把每份保单的对账单都下载好 — 若合并报税，连配偶的也要。一份打包的投资连结保单，往往可同时计入两项扣税。Penanggung insurans mengeluarkan penyata cukai tahunan yang memecahkan premium kepada bahagian nyawa, perubatan dan simpanan yang diiktiraf LHDN. Muat turun untuk setiap polisi sebelum membuka e-Filing.

02Don't double-count, don't under-claim别重复计，也别少报Jangan kira dua kali, jangan kurang tuntut

The most common mistakes are mirror images: claiming the same premium under two lines, or missing the medical and education insurance relief entirely because it sits separately from life. Map each statement line to exactly one relief category. If you're unsure which portion is which, the insurer's tax statement spells it out.最常见的错误恰好相反：把同一笔保费在两项里重复计，或因为医疗与教育保险扣税独立于人寿而整项漏报。把每条对账单明细对应到唯一一个扣税类别。若分不清哪部分算哪项，保险公司的税务对账单会写明。Kesilapan paling biasa ialah bayangan cermin: menuntut premium sama dua kali, atau terlepas pelepasan insurans perubatan dan pendidikan kerana ia berasingan daripada nyawa. Petakan setiap baris kepada satu kategori sahaja.

• Match each premium portion to a single relief line.每部分保费只对应一个扣税项。Padankan setiap bahagian premium kepada satu baris pelepasan.
• Keep statements for seven years — LHDN can audit retrospectively.对账单保存七年 — LHDN 可回溯稽查。Simpan penyata selama tujuh tahun — LHDN boleh audit.
• Filing jointly? Decide who claims shared-policy reliefs to maximise the band.合并报税？决定共同保单由谁申报，以用足额度。Fail bersama? Tentukan siapa menuntut polisi kongsi.

A 30-minute review before 30 April routinely surfaces a few hundred ringgit most people would have left behind. It is the cheapest financial planning you'll do all year.在 4 月 30 日前花 30 分钟复核，通常能找回大多数人本会错过的几百令吉。这是你一整年最划算的理财动作。Semakan 30 minit sebelum 30 April lazimnya menemui beberapa ratus ringgit yang ramai tertinggal. Ia perancangan kewangan termurah tahun ini.