Perlindungan Tenang Voucher 3.0 Programme

Perlindungan Tenang provides simple and affordable insurance protection tailored for underserved segments, particularly the low-income group. Under this initiative, Sumbangan Tunai Rahmah (STR) recipients are eligible to receive a RM30 Perlindungan Tenang Voucher, which can be used to purchase microinsurance products such as Personal Accident from participating licensed general insurers. This initiative plays a key role in strengthening financial inclusion and ensuring basic protection is accessible to vulnerable communities.

What are the benefits of a Perlindungan Tenang coverage?

Affordable

Affordable annual premium, depending of product and coverage limit

Simple

Easy to understand, straightforward and transparent product features

Easy Claims Process

Expedited Claims Processing with Complete Documentation

Easy to Participate

Subscribe directly online from participating insurers or through their agents or authorised distributors. (Refer to the Product Disclosure Sheet on participating insurers' websites.)

Eligibility

  • Eligible for Sumbangan Tunai Rahmah (STR) recipients only
  • One voucher per recipient (non-transferable)
  • Voucher valid for one product only
  • The selected product must have a minimum annual contribution of RM50. Recipients will need to top up at least RM20 to complete the purchase.
  • Voucher is non-refundable and cannot be exchanged for cash.
  • Valid from 1 September until the voucher is fully redeemed or 31 December 2025, whichever is earlier.

How to Check Eligibility and Redeem the RM30 Perlindungan Tenang Voucher (PTV) for STR Recipients?

A. Online Redemption Steps

Visit www.myptv.my

Enter your National Registration Identity Card (NRIC) to check eligibility status.

If you are eligible, you will receive a voucher number. You can redeem the RM30 voucher at point of purchase.

Visit www.piam.org.my for participating general insurance plans.


B. Redemption via “Front Desk” Officers

Visit a branch to confirm your eligibility

Redeem and purchase your plan directly.

Resources

Infographic

Perlindungan Tenang Voucher 3.0 Programme Brochure

The RM30 PTV is exclusively for eligible recipients under the Sumbangan Tunai Rahmah (STR) 2025 programme, aimed at providing accessible protection for all. Do check eligibility status at www.myptv.my

Learn more on BNM Policy on Perlindungan Tenang