You take care of them. KALSIS helps take care of everything else.
Caring for your parents is an act of love — KALSIS ensures it doesn’t come at the cost of your future. Unlock your parents’ home value safely, so you can provide the care they need while safeguarding your own financial future, focusing on love, comfort, and healing.
KALSIS - Supporting You in Your Cancer Journey
Healthcare costs should not hold you back in retirement. Together with Kenanga Investors Berhad, KALSIS provides funding for seniors, whether currently or newly diagnosed with cancer, so you can focus on your care and a secure future.
The Battle You Don’t See
You see your parent confronting cancer with strength.
Yet beneath that strength lie unspoken fears - uncertainty about the future, the weight of treatment costs, and the reality of limited retirement funds.
Support and Security for Your Loved Ones
Receive an immediate lump-sum payout in Year 1 to cover your healthcare needs, giving you peace of mind when it matters most.
Enjoy monthly lifetime payouts from Year 2 onwards to support your living expenses, so you can focus on what truly matters.
Stay in the comfort of your own home for life, maintaining security, familiarity, and dignity.
Complimentary Services
Home repairs and maintenance*
Home insurance*
Quit rent and assessment charges covered fully
Pest control*
Selected fire safety devices provided
*Exclusions apply
KALSIS - Your Lifeline for Care and Stability
Unlock healthcare funding and lasting peace of mind - KALSIS empowers seniors to live securely, independently, and with dignity while navigating their cancer journey.
Eligibility Check
We assess whether you meet the basic requirements to join KALSIS.
Application & Property Valuation
Submit your application and allow us to conduct a professional valuation of your home.
Payouts
Year 1
Receive an immediate lump-sum payout (10%).
From Year 2 onwards
Receive annual payouts (3.27% to 4%) based on the age of the youngest participant.
Lifetime Residency
Continue living in your home for life, with full occupancy rights.
Apportioned Proceeds for Your Beneficiary
If the home is sold within 10 years of joining the Scheme, a portion of the proceeds will be given to your nominated beneficiary.
End of Scheme
The Scheme concludes upon the passing of both participants.
Sale of Property & Distribution
The property is sold, and any applicable apportioned proceeds are distributed accordingly.
Title Protection
Your home ownership title remains protected throughout the Scheme.
Supporting families, one step at a time — that’s the KALSIS promise.
If your parent qualifies, KALSIS can help turn the wealth in their home into the funding they need, relieving financial pressure while keeping you both focused on health, hope, and shared moments.
Senior Eligibility
To qualify, the senior must be:
- A Malaysian, Permanent Resident, or MM2H resident
- 60 years old and above (including spouse or partner)
- The legal owner of the home, with full capacity to sell the property
- Currently undergoing cancer treatment (If the home has two senior owners, at least one must be undergoing treatment)
Home Eligibility
The home must be:
- Freehold, landed, and located in the Klang Valley
(with certain postcodes excluded) - Owner-occupied as the senior’s primary place of residence
- Free from encumbrances, such as mortgages or other financial liabilities
- All property taxes, management fees, and utility bills must be fully paid and up to date
- Not situated on Malay Reserved Land, not a low-cost or medium-cost affordable home, and not a designated Bumiputera unit
- Supported by a valid and effective legal title under the senior’s name
- Supported by a valid CCC/CF (Certificate of Completion & Compliance / Certificate of Fitness)
- Able to meet KALSIS property evaluation criteria
Essential Resources
Need guidance or practical help? Our library of resources is here to support you every step of the way. From guides, application forms and patient support calendars, everything is free to download – so you can focus on what truly matters; your health and peace of mind.
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