Supporting You Today, Securing Your Tomorrow
Unlock your home’s value to fund care with dignity, so you can focus on healing and a brighter tomorrow
KALSIS - Supporting You in Your Cancer Journey
Healthcare costs should not hold you back in retirement. With Kenanga Investors Berhad, KALSIS supports seniors facing cancer - newly diagnosed or in treatment - so you can focus on healing and securing your future.
Navigating Cancer in Your Golden Years
For seniors living with cancer, each day can feel like a struggle - managing illness, treatment costs, and limited retirement savings. KALSIS offers financial support and reassurance, helping you prioritise your wellbeing.
What You Will Receive
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
The KALSIS Solution
Unlock healthcare funding and peace of mind – KALSIS empowers seniors to live securely and independently while battling cancer
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.
KALSIS is designed to support your next chapter.
If you meet the criteria, you can turn your home’s value into the support you need - without ever leaving the place that holds your memories and meaning.
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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