Many Malaysians don’t realise they may already hold a government-backed medical allowance. The Skim Perubatan Madani, managed by ProtectHealth under the Ministry of Health, covers outpatient care for common illnesses at participating private GP clinics, within a yearly allowance for eligible households. Both branches of SERI Mediclinic, in Kampar and Silibin (Ipoh), are participating clinics.
If you receive Sumbangan Tunai Rahmah (STR), you likely qualify for a medical allowance worth RM75, RM125, or RM250 each year. No forms. No registration. You simply bring your MyKad and walk into a participating klinik.
This guide explains, in general terms, how the scheme works, who qualifies, what it usually covers and what to bring. Each person’s entitlement is always set by the scheme itself.
What Is the Skim Perubatan Madani Health Benefit in Malaysia?
The scheme is a national initiative that pre-loads a small medical allowance onto your IC, redeemable at registered clinics for common everyday illnesses. Think of it as a madani health benefit Malaysia wallet: each visit draws down a little, and once the balance hits zero, you pay the normal rate.
The yearly allowance is tiered by household type:
- RM250 — family household
- RM125 — senior citizen without a spouse
- RM75 — single individual
The allowance is used towards the cost of a covered visit, such as the consultation and any medicine prescribed, and is deducted from your balance. Once the balance is used up, the normal rate applies.
Who Is Eligible — and What to Bring
You are automatically eligible if you are a Sumbangan Tunai Rahmah (STR) recipient. There is nothing to sign up for in advance. To use the Madani benefit, you only need to:
- Bring your MyKad (IC) — that’s how the clinic checks your balance
- Visit a participating Madani GP clinic, such as SERI Mediclinic Kampar or Silibin
Your category (family, senior, or single) determines your allowance automatically. If you’re unsure whether you qualify or how much balance remains, the front desk can check it for you when you arrive.
What the Madani Scheme Covers (and What It Doesn’t)
The scheme is built for common, short-term (acute) illness. Covered conditions typically include:
- Fever and flu
- Cough and cold
- Diarrhoea
- Headache
- Minor injuries such as cuts and sprains
It does not cover health screening, long-term chronic disease follow-up, or vaccinations. General information about a medical checkup is available separately, and some of these visits may be covered through other channels, such as insurance or PERKESO, depending on the person’s own plan.
If a concern falls outside the Madani scheme, an insurer, company or SOCSO panel arrangement may apply instead, subject to the terms of that plan. The Kampar panel clinic list shows which panels the branch works with.
Common Misunderstandings About the Madani Allowance
A few points come up often:
- “I need to register first.” STR recipients are generally covered automatically, with no separate application.
- “I didn’t know I had a balance.” Many eligible people are not aware of the allowance until they ask at a participating clinic.
- “Any clinic will accept it.” The benefit can only be used at clinics that take part in the scheme.
Using Your Madani Allowance: Practical Points
- It is meant for common, short-term illnesses. Fever, sore throat, minor injuries, and skin complaints are the kind of conditions the scheme is designed for.
- One balance covers the whole year. Each covered visit draws from the same yearly allowance.
- You can ask about your balance. Simply ask, “How much balance do I have left?” and reception can check it.
Using Your Madani Benefit at SERI Mediclinic Kampar
Bring your MyKad and the front desk can check your remaining balance. SERI Mediclinic Kampar takes part in the Madani scheme and is also a panel clinic for a number of insurers and PERKESO/SOCSO, subject to the terms of each plan. For further information, you are welcome to call or WhatsApp +60 12-551 0173, or walk in during opening hours.
Looking for a “Klinik Madani Near Me”? How to Find a Participating Clinic
When you search for a klinik madani near me, it helps to confirm that a clinic takes part in the scheme before you go. A few general points:
- Only participating clinics can use the allowance. A clinic outside the scheme cannot draw on your balance.
- Bring your MyKad. It is used to check your eligibility and balance at the counter.
- Ask what applies before the consultation. If part of a visit falls outside the scheme, the clinic can explain this first.
Both SERI Mediclinic branches, in Kampar and Silibin (Ipoh), are participating clinics. Background on the clinic and its doctors is on the about us page.
How Madani Fits With Panel Coverage, and How PeKa B40 Differs
The Madani scheme is one of several ways a GP visit may be covered. SERI Mediclinic is also a panel clinic for a number of insurers and PERKESO/SOCSO, subject to the terms of each plan, so depending on your situation:
- Madani / STR covers acute minor illness up to your allowance.
- Insurance or company panel may cover consultations and other outpatient care, such as wound management, depending on the plan.
- PERKESO/SOCSO may cover work-related conditions.
PeKa B40 is a separate scheme. It is a different government health scheme for eligible B40 Malaysians, run by ProtectHealth with its own list of registered providers, and it is not the same as Skim Perubatan Madani. This guide covers the Madani scheme only. Whether a clinic is registered for PeKa B40 can be checked through ProtectHealth’s official channels before a visit.
If you’re not sure which applies to you, the front desk can explain what applies before the consultation. See the full Silibin insurance panel list or simply ask when you arrive.
Want to check your IC before you claim? Our step-by-step guide on how to check Madani eligibility using your IC walks through the exact steps.
Frequently Asked Questions
Can I use my Madani benefit more than once?
Yes. You can use it across multiple visits until your annual balance is fully used up.
Do I have to pay anything when I use the Madani scheme?
A covered visit is paid from your remaining balance. If the cost of a visit is more than the balance left, the difference is paid at the clinic’s normal rates.
What happens after my benefit balance runs out?
Once the allowance reaches zero, you pay the standard clinic rate. If you have insurance or PERKESO/SOCSO coverage, those may apply instead — just ask our front desk.
Can I use my Madani benefit at any clinic?
No. The benefit only works at registered Madani GP clinics. SERI Mediclinic Kampar and Silibin (Ipoh) are both participating clinics, so the benefit can be used at either branch.
What should I bring to claim my benefit?
Just your MyKad (IC). That’s all we need to verify your eligibility and check how much balance you have left.
For Further Information
If you would like to understand your situation better or be seen by a doctor, you are welcome to call 012-551 0173 or walk in during our opening hours. Walk-ins are welcome every day.
Visit SERI Mediclinic Kampar
Address: 33, Jalan Terminal Kampar 1/B, Pusat Perdagangan Kampar, 31900 Kampar, Perak Phone / WhatsApp: 012-551 0173 Email: Kampar@serimediclinic.my
Opening Hours: – Mon – Thu: 7:30 AM – 11:00 PM – Fri – Sun: 7:30 AM – 12:00 AM
Walk-ins welcome. No appointment is needed — walk in during opening hours. We are a panel clinic for major Malaysian insurers and PERKESO.
Closer to Ipoh? Try our other branch
SERI Mediclinic & Surgeri Silibin – No.17, Jalan Pusat Perniagaan Pertama, Jalan Silibin, 30100 Ipoh, Perak Phone: 012-943 3882
Medically reviewed by Dr. Hema Seridaran, founder of SERI Mediclinic. This article is general health education and does not replace individual medical advice. For active symptoms, please consult a doctor.