Tax relief · Year of Assessment 2025
Life insurance and EPF
Up to RM7,000.00 in total, shared across these:
What is this relief?
Your EPF contributions and life-insurance premiums — EPF up to RM4,000 and life insurance up to RM3,000, within a combined RM7,000.
What shares the RM7,000.00 cap
- EPF (KWSP) — up to RM4,000.00 of the total
- Life insurance / takaful — up to RM3,000.00 of the total
Who qualifies
Mandatory or voluntary EPF contributions (or an approved scheme), and life-insurance premiums for yourself or your spouse.
What to keep as proof
Your EPF statement and the insurance premium statements.
Frequently asked questions
- How much is the Life insurance and EPF relief for YA 2025?
- Up to RM7,000.00 in total, shared across these: The figure comes from the official LHDN source: LHDN Tax Reliefs page, YA 2025 table, item 17.
- Who qualifies for the Life insurance and EPF relief?
- Mandatory or voluntary EPF contributions (or an approved scheme), and life-insurance premiums for yourself or your spouse.
- What proof should I keep to claim Life insurance and EPF?
- Your EPF statement and the insurance premium statements.
Official source
Applies to Year of Assessment 2025.
Source: LHDN Tax Reliefs page, YA 2025 table, item 17Related reliefs — Insurance & retirement
See what this relief saves you
Enter your income and tick the reliefs you can claim — the free calculator shows your tax and your saving instantly, using the same official figures.
See what this means for your tax →The Fiskal app tracks this relief and all the others through the year — receipts kept per relief, per year, ready if LHDN ever asks. Fiskal prepares your figures; you file on MyTax yourself.
This is an unofficial, plain-language guide to help you understand Malaysian tax reliefs for the 2025 Year of Assessment. Every figure is based on official LHDN sources (linked throughout), but this page is not a substitute for LHDN's own guidance or your official tax filing.