Last-minute tax reliefs that you can take advantage of:
Boost your EPF contributions: RM7000 - Done
RM4000 from mandatory contribution (if your salary >RM3030, then you’ll hit this one already)
RM3000 from voluntary contribution - Done
Deposit into SSPN (saving for kid’s education): RM8000 - Done
Contribute to PRS: RM3000 (Guide: How to choose a PRS fund) - Done
Buy medical insurance: RM4000
Health screening (RM1000), - Pathlab consider?
Answer from AI Gemini:
Key Details for Pathlab Customers
Expanded Scope for 2025: Previously, LHDN usually required a "Complete Medical Examination" (a full physical exam by a doctor).
However, for YA 2025, the scope now explicitly includes "fees for disease detection examination conducted at a clinic or hospital/diagnostic center," such as blood tests and ultrasounds. This directly covers most Pathlab screening packages. The "Sub-Limit": The RM1,000 for your own health screening is part of a larger RM10,000 limit for medical expenses (which also includes serious illnesses, fertility, and dental).
Grandparent Inclusion: Starting in 2025, you can also claim medical check-up expenses for your grandparents, which was previously limited only to parents.
Important Requirements
Receipts: You must keep your Pathlab receipts for at least 7 years.
Certification: While standard blood test receipts are usually sufficient, LHDN technically defines a "Complete Medical Examination" as one defined by the Malaysian Medical Council (MMC).
For basic blood tests, ensure the receipt clearly states it is for a health screening or disease detection. Local Only: The screening must be conducted in Malaysia.
Dental checkup (RM1000), Include What?
In fact, the scope for dental claims is quite generous compared to previous years. Here is a breakdown of what you can claim:
Dental Relief for Self, Spouse, and Child
Limit: Up to RM1,000.
Category: This is a sub-limit under the broader RM10,000 medical expenses relief.
What is covered:
Routine checkups and examinations.
Scaling and polishing.
Fillings and tooth extractions.
Root canal treatments.
Wisdom tooth surgery.
What is NOT covered: Cosmetic dental treatments are strictly excluded. This means you cannot claim for teeth whitening, veneers, or aesthetic braces (unless medically necessary).
Dental Relief for Parents & Grandparents
Limit: Included within the overall RM8,000 parent/grandparent medical relief.
What is covered:
All standard treatments (scaling, fillings, extractions).
New for 2025: The scope for parents now specifically includes dentures and dental implants if they are required for health and function rather than just looks.
Grandparents: Starting in YA 2025, you can claim for your grandparents' dental expenses under this same RM8,000 category.
Checklist for Your Claim
To ensure LHDN accepts your claim, make sure your receipt from the dentist includes:
Patient Name: Must be you, your spouse, your child, or your parent/grandparent.
Clinic Registration: The dentist must be registered with the Malaysian Dental Council (MDC).
Treatment Type: The receipt should clearly state the service (e.g., "Dental Scaling" or "Fillings").
Pro-Tip: If you spend RM800 on a Pathlab screening and RM500 on dental scaling for yourself, you can only claim a maximum of RM1,000 for the screening sub-limit, but since Dental has its own RM1,000 sub-limit, you can claim both fully (total RM1,300) as long as your total medical claims stay under RM10,000.
Vaccination (RM1000) – applicable for self, spouse, or child
Lifestyle: RM2500
Books, Computer/Smartphone/Tablet, Upskilling courses, Internet Subscription under your own name
Sports equipment and gym membership (RM1000) – applicable for self, spouse, child, or parents
Source: How I find meaning in my work (+ Last-minute tax reliefs) - No Money Lah