PM Anwar launches enhanced SIKR 3.0 takaful scheme with RM20 million allocation, offering higher payouts for death and disability to 300,000 households
PUTRAJAYA: The government has launched an enhanced welfare insurance scheme offering significantly higher coverage for low-income households.
Prime Minister Datuk Seri Anwar Ibrahim said the People’s Welfare Insurance Scheme (SIKR) 3.0 will have an initial government allocation of RM20 million.
The scheme is effective from 1 October 2025 to 30 September 2026.
“For SIKR 3.0, the sum insured has been increased to RM13,500 for natural death, RM26,500 for accidental death, and RM13,500 for permanent disability resulting from accidents,” Anwar said.
He was speaking at the closing ceremony of the Rancakkan MADANI Bersama Malaysiaku programme.
The Implementation Coordination Unit of the Prime Minister’s Department will formalise the scheme via a memorandum of understanding with Prudential BSN Takaful Berhad.
SIKR is a complimentary syariah-compliant annual group term takaful plan sponsored by the government.
It provides protection for 300,000 heads of households from the hardcore poor and poor categories registered with the eKasih database.
The first SIKR was launched in 2022 with RM13.4 million in government-paid contributions, covering 268,887 household heads.
Under the previous SIKR 2.0, coverage was RM10,500 for natural death, RM25,500 for accidental death and RM10,500 for permanent disability from accidents.
Separately, Anwar announced the launch of the Sahabat Penggerak MADANI national volunteer initiative.
The initiative aims to promote the Malaysia MADANI agenda and strengthen grassroots communication of government policies.
“As of December 2025, we have recruited 3,000 volunteers,” he said.
Their responsibilities include conveying national narratives and serving as speakers, facilitators and trainers.
Volunteers will receive official ID cards and training through the Malaysian Nationhood Academy.
They will also get benefits from strategic partners and certificates recognising their service.
The three-day Rancakkan MADANI programme offered over 300 touchpoint services and a career carnival.
It served as the administration’s annual platform for reporting its achievements directly to the people. – Bernama
