However, after I read in details, it is only 6k for SSPN, another 6k for insurance takaful.
Stick with SSPN-i.
The selling point about SSPN-i Plus is how it is combined with a comprehensive takaful protection while the depositor can also enjoy an income tax relief for the life insurance and the Employees Provident Fund (EPF) category for a maximum of RM6,000 per year.
Mastura added that every SSPN-i Plus depositor stands a chance to enjoy an income tax relief of up to RM12,000 per annum, resulting from the combination of a savings account and premium payments made to the takaful operator.
“However, if the depositor is a holder of both SSPN-i and SSPN-i Plus accounts, their income tax relief for the savings portion remains at a maximum of RM6,000, with the calculation done by adding up the existing deposits in both accounts,” explained Mastura.
Link:
http://www.thestar.com.my/news/education/2015/11/22/dont-wait-until-the-last-minute/
SSPN i plus link:
http://www.ptptn.gov.my/web/guest/sspn-i-plus2