PERKESO LINDUNG 24 JAM: Everything You Need to Know

PERKESO LINDUNG 24 JAM is a social security scheme that protects eligible employees against qualifying accidents occurring outside working hours and unrelated to employment.

Its official name is the Non-Employment Injury Scheme, or Skim Kemalangan Bukan Bencana Kerja. It complements PERKESO’s Employment Injury Scheme, which covers accidents and occupational diseases arising from employment, including recognised commuting accidents.

An accident at home, during a personal outing or while taking part in a leisure activity may be covered if it meets PERKESO’s legal and contribution requirements.

The amended scheme came into force on 1 June 2026. From 8 July 2026, participation became voluntary for local employees while remaining mandatory for covered foreign employees.

Why Is LINDUNG 24 JAM Important?

Serious injuries do not just happen at work.

An employee may slip at home, suffer a sports injury or be involved in a road accident during a personal trip. These incidents can lead to hospital treatment, extended medical leave, reduced income and rehabilitation needs.

A private medical card may help with treatment costs, but it may not provide income replacement, permanent-disablement support or assistance for dependants. The exact protection depends on the policy.

LINDUNG 24 JAM can be useful for employees with limited emergency savings or no personal accident insurance.

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Who Can Participate?

The scheme applies to eligible employees covered under the Employees’ Social Security Act 1969.

Self-employed individuals and many independent gig workers generally fall under the Self-Employment Social Security Scheme instead.

How Does LINDUNG 24 JAM Work?

The employer deducts the contribution from the employee’s wages and submits it to PERKESO.

The employee bears the full contribution. The employer administers the deduction but does not make a matching payment.

Employees already registered with PERKESO generally do not need to register again. New employees must first be registered by their employer.

Existing local employees who do not wish to participate must submit PERKESO’s non-participation declaration within the applicable opt-out period. Newly registered local employees generally have 30 days from registration to choose not to participate.

How Much Is the Contribution?

The contribution rate is being introduced in phases.

The calculation follows PERKESO’s prescribed contribution bands and is subject to the current RM6,000 wage ceiling.

Examples at the first-phase rate include:

• RM2,000 monthly wages: Approximately RM15.
• RM4,000 monthly wages: Approximately RM30.
• RM6,000 monthly wages: Approximately RM45.
• RM8,000 monthly wages: Approximately RM45 because of the ceiling.

Actual payroll deductions should follow PERKESO’s official contribution schedule.

What Accidents Are Covered?

The scheme generally covers accidental injuries that:

1. Occur outside the course of employment.
2. Happen within Malaysia.
3. Occur during an active participation period.
4. Result from an accident rather than an ordinary illness.
5. Do not fall under another applicable PERKESO scheme.

Possible examples include:

Accident at home: An employee slips while cleaning and fractures an ankle.

Leisure injury: A worker is injured while playing badminton after work.

Personal road accident: An employee is hurt while travelling to meet friends.

Household repairs: A worker falls from a ladder while fixing something at home.

PERKESO will assess each claim based on the circumstances, contribution record, medical documents and applicable law.

What Benefits Are Available?

Medical Benefit

Eligible treatment is available through PERKESO panel clinics and government clinics or hospitals.

Treatment at a private or non-panel facility may be considered for reimbursement, subject to PERKESO’s prescribed rates or equivalent government charges.

Temporary Disablement Benefit

This benefit provides income support while an employee is unable to work because of a covered accident.

The certified medical leave period must generally last at least four days, including the accident date.

Permanent Disablement Benefit

Employees who suffer lasting impairment may qualify for Permanent Disablement Benefit.

The amount depends on the degree of disablement, wages, age and the relevant statutory calculation.

Constant Attendance Allowance

An employee assessed as permanently and totally disabled and requiring continuous personal assistance may qualify for an allowance of RM500 per month, subject to the relevant medical assessment.

Rehabilitation Support

PERKESO may provide physiotherapy, occupational therapy, prosthetic devices, mobility aids, vocational rehabilitation and return-to-work support.

Dependants’, Funeral and Education Benefits

Eligible dependants may receive financial support if an employee dies because of a covered accident.

A funeral-management benefit of RM3,000 may be payable to eligible family members. Where there is no eligible family member, the person who paid the funeral expenses may claim the documented cost, capped at RM3,000.

Eligible children may also apply for PERKESO’s Education Benefit, subject to its terms and approval process.

What Is Not Covered?

Not all injuries or accidents qualify an employee for this scheme. Common non-covered cases include:

• Work-related accidents: These are generally assessed under the Employment Injury Scheme.
• Accidents outside Malaysia: The scheme generally applies only within Malaysia.
• Ordinary illnesses: Conditions such as fever, diabetes and high blood pressure are not accidental injuries.
• Self-employment injuries: These may fall under the Self-Employment Social Security Scheme.
• Incidents covered by another PERKESO scheme: The same incident is not generally covered twice.
• Periods of non-participation: Employees who validly opt out are not protected while that status applies.

Coverage restrictions may also apply in certain foreign-worker immigration cases. Other statutory exclusions may apply under the Employees’ Social Security Act 1969.

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Is It Compulsory for Malaysian Employees?

No. Participation has been voluntary for local employees since 8 July 2026.

For the initial implementation, existing local employees who do not wish to participate must submit the prescribed declaration between 13 July and 31 August 2026.

Employees who do not opt out by the deadline will be treated as participants, and payroll deductions may continue.

Participation remains mandatory for covered foreign employees.

How Can an Employee Opt Out?

A local employee must submit PERKESO’s non-participation declaration within the applicable period.

Available channels include:

• The official LINDUNG Faedah portal.
• A PERKESO office or counter.
• PERKESO’s Release of Liability Notice when the online system is unavailable.

Alternatively, some HR departments may offer to handle the opting out process for employees. If you’re an employee unsure about your LINDING 24 Jam status, check with your company’s HR.

Employees should retain their confirmation and check that the payroll records have been updated correctly.

By opting out, the employee will not be entitled to LINDUNG 24 JAM benefits for accidents occurring while the non-participation status applies.

Can Employees Rejoin After Opting Out?

An employee who previously opted out may apply to join through PERKESO’s participation-update process.

However, once the employee joins, PERKESO applies the “once in, always in” rule. Participation should therefore not be treated as a casual monthly choice.

Employees should confirm the effective coverage date because an accident occurring before participation starts may not qualify.

What If You Have More Than One Employer?

Only one employer should deduct and submit the contribution.

The employee may select the responsible employer. If no selection is made, PERKESO may appoint one using its prescribed criteria.

The selected employer may generally be changed if the employment ends, the employer closes, wages are no longer paid or another employer becomes the more appropriate payroll source.

Having several jobs does not increase the level of coverage.

Should Employees Participate?

The decision depends on the employee’s finances, insurance protection and family responsibilities.

Before opting out, consider:

Existing insurance: Does it provide income replacement, permanent-disablement support and rehabilitation, or mainly medical reimbursement?

Emergency savings: Could you manage an extended period without full income?

Family commitments: Would your dependants face financial difficulty if you became disabled or died?

Monthly cost: Is the deduction affordable compared with the protection offered?

Private insurance and PERKESO protection serve different purposes. Employees should compare actual benefits and exclusions rather than assuming one replaces the other.

This information is general and is not personal financial or insurance advice.

How Can Employees Check Their Status?

Employees can review their records through the relevant PERKESO portal or application.

Check whether:

• The deduction appears on the payslip.
• The employer has submitted the contribution.
• The correct employer is handling the deduction.
• The opt-out or participation request has been recorded.

Any missing or incorrect contribution should be raised with the employer or PERKESO.

How Can an Employee Make a Claim?

Employees should report the accident promptly and retain supporting documents.

These may include:

1. Identification documents.
2. Medical certificates and treatment records.
3. Accident or police reports.
4. Evidence showing where and how the accident happened.
5. Wage and employment information.
6. Receipts and dependency documents, where relevant.

PERKESO will assess whether the incident qualifies before approving benefits.

Taking Advantage of PERKESO LINDUNG 24 JAM

PERKESO LINDUNG 24 JAM extends social security protection beyond the workplace by covering eligible accidents during everyday personal activities in Malaysia.

For a relatively modest payroll contribution, employees may gain access to medical treatment, income support, rehabilitation, disablement benefits and assistance for eligible family members.

Employees should pay close attention to the opt-out deadline, effective participation date and PERKESO’s “once in, always in” rule before deciding.

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Sources

• PERKESO: LINDUNG 24 JAM Official Scheme Information
• PERKESO: Frequently Asked Questions on the Non-Employment Injury Scheme, Version 2.0
• PERKESO: Official LINDUNG 24 JAM Contribution Schedule
• PERKESO: LINDUNG 24 JAM Release of Liability Notice
• PERKESO: Participation and Employer-Selection Form
• PERKESO: Employees’ Social Security Act 1969 and Relevant Amendments
• PERKESO: Self-Employment Social Security Scheme Information