LINDUNG 24 Jam FAQ

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Decision window closes 31 Aug …

Every answer verified against official PERKESO sources and updated within 24 to 48 hours. No spin, just what the scheme does and doesn't do.

Last updated: 16 Jul, 7:31 PM 27 verified FAQs

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What do I pay?

Contribution calculator

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How to opt out

Step-by-step + deadline

Myths people keep repeating

Opt Out

Opting out is a personal decision. This page guides you through the process, it doesn't push you either way. Staying in requires no action at all.

Application deadline
31 Aug 2026
Time left to opt out

Window opened 13 July 2026. Late applications will not be accepted. Opt-outs submitted now take effect from the July contribution. June deductions stand and are not refunded.

Opt-out is not automatic. "Voluntary" does not mean deductions stop by themselves. No declaration by the deadline = you stay enrolled.

👤Who can opt out?

  • ✓You are a local (Malaysian) employee under Act 4, foreign workers cannot opt out
  • ✓You submit the liability release declaration before 31 August 2026
  • ✓You understand you forfeit all 8 benefits and release your employer and PERKESO from liability for non-work accidents
Unlike private insurance, there is no requirement to prove you own alternative PA coverage, but going fully unprotected is the real risk to weigh. Compare your options before you submit.

📋How to opt out: 6 steps

  • 1

    Decide first. Compare what you'd be giving up, most regret comes from opting out without understanding what's lost.

  • 2

    Register or log in at the official portal: lindungfaedah.perkeso.gov.my

  • 3

    Select "SAYA MEMILIH UNTUK TIDAK MENYERTAI" (the liability release declaration). A manual form also exists if you can't use the portal.

  • 4

    Submit, then download and keep the declaration form as your official record.

  • 5

    Inform your HR or payroll so the deduction stops from the next cycle. This step is commonly missed.

  • 6

    Check your July/August payslip to confirm the deduction has stopped. Verify your record at prihatin.perkeso.gov.my or call 1-300-22-8000.

⚠️Common mistakes

  • ✕Assuming "voluntary" means deductions stop automatically, they don't
  • ✕Opting out, then expecting a June refund. June contributions were lawfully mandatory and are not refunded
  • ✕Believing "I can rejoin anytime" means instant protection, coverage only restarts after contributions resume; there's no retroactive cover
  • ✕Forgetting to tell HR/payroll, then getting deducted anyway
  • ✕Not keeping the declaration form as proof

🔗Official links

💼Staying in? You don't need to do anything

No action by 31 August = you remain enrolled and covered. Some guides recommend making a "MENYERTAI" declaration on the portal anyway, purely for record purposes.

Opting out and going unprotected?

Before you leave a RM22–45/month safety net with nothing behind it, it's worth a 10-minute look at what a private Personal Accident plan covers, and what it doesn't. Education first, no obligation.

An honest comparison

LINDUNG 24 Jam and private Personal Accident insurance are not the same product. Most planners treat them as layers, not alternatives. Here's what each actually does.

LINDUNG 24 Jam (PERKESO) Kurnia PA Flex
Lindung 24 Jam (PERKESO)
Monthly salary estimate
RM
Estimated monthly contribution
RM 22.50

RM 270.00 / year

0.75% of wages, capped at the RM6,000 wage ceiling (max RM45/mo)

ⓘ LINDUNG 24 Jam charges based on salary
Kurnia PA Flex
Fixed annual price · 7 plans
Plan 2
RM16.20 / month

RM194.40 / year incl. SST

ⓘ Fixed price. Class 1 & 2 occupations, incl. 8% service tax
Request a free consultation →
▼ Scroll for more benefits below

🔒 Information is for comparison only; terms & conditions apply. PA Flex figures are from the official Product Disclosure Sheet (Liberty General Insurance Berhad, 06/2026), premiums shown are for Class 1 & 2 occupations (office/supervisory); Class 3 (manual work) premiums differ and Plans 5–7 are unavailable. LINDUNG 24 Jam facts are verified against PERKESO's official FAQ and post-U-turn announcements. Always confirm against the policy wording before purchase.

Contribution calculator

What LINDUNG 24 Jam costs you

Monthly salary: RM 3,000
RM 22.50 / month

≈ RM 0.74 per day

Phase 2 (Jun 2028 – May 2031, 1.00%)RM 30.00
Phase 3 (from Jun 2031, 1.25%)RM 37.50
Salary ceilingRM 6,000 (max RM 45/mo now)

Still unsure?

Talk to Neelia and her team from Amana Insurance. They will walk you through a Personal Accident coverage should you need one. Get a free quote today!

💬 WhatsApp us

About this platform

Why a licensed insurance agency created a free FAQ about a government scheme, and how we keep the information clear, current and honest.

👋A note from Neelia

Hi, I'm Neelia, Director of Amana Insurance.
I created this platform after seeing many friends, family members, clients and people online unsure about Lindung 24 Jam and what action they should take. My team and I hope this platform gives you clear and practical information. Should you wish to explore other options, we are always happy to assist with no pressure or obligation.

🎯Why this exists

Between 13 July and 31 August 2026, millions of Malaysians may need to make an insurance decision they were not prepared for. The public conversation is filled with confusion about opting out, double claiming, exclusions and what voluntary participation means. This platform exists to answer these questions accurately and in plain language before anyone tries to sell you anything.

We would like to be as transparent as possible, feel free to let us know on any of the FAQs or suggestions to improve the content.

📣What changed in July 2026

LINDUNG 24 Jam launched on 1 June 2026 as a mandatory scheme, with 0.75% deducted from every Act 4 employee's June salary. After nationwide backlash over the lack of consent, the Cabinet made it voluntary for Malaysians on 8 July 2026, foreign workers remain mandatory. The opt-out window runs 13 July to 31 August 2026. Voluntary doesn't mean automatic: do nothing and you stay enrolled, deductions continue. June contributions are not refunded. The full details are in the FAQ, search "voluntary", "opt out" or "refund".
Updated today✓ VerifiedThe Star / Cabinet statement ↗

🔬How answers are verified

Every FAQ is checked against official sources. PERKESO's scheme page, the official FAQ PDF (25/06/2026), the Employees' Social Security (Amendment) Act 2026 [Act A1788], and ministerial statements. Facts are labelled ✓ Verified only when confirmed against these. Public sentiment and third-party figures are attributed, never presented as fact. Answers are reviewed and updated within 24 to 48 hours of official changes. Where the official FAQ predates the 8 July U-turn, we say so.

📚Primary sources

→PERKESO official LINDUNG 24 Jam scheme page
→PERKESO official FAQ PDF (25/06/2026, EN)
→LINDUNG Benefit Portal
→Employees' Social Security Act 1969 [Act 4], as amended by Act A1788
→Cabinet & ministerial statements, 8–10 July 2026 (via RTM, The Star, The Edge)

💬Can't find your question?

Suggest a FAQ and we'll research it against official sources before publishing.

Opting out and going unprotected?

Before you leave a RM22–45/month safety net with nothing behind it, it's worth a 10-minute look at what a private Personal Accident plan covers, and what it doesn't. Education first, no obligation.

🏢About Amana Insurance

Amana is a second-generation insurance agency founded in 1982. From our beginnings in Klang, we have grown into a specialist agency serving individuals, families and businesses across Malaysia. We advise on a wide range of general, life, medical and business insurance solutions. Our approach is simple: we understand your needs, explain your options clearly and support you when it matters. Visit our website at www.amana.com.my.

Kurnia agent code: 107100-00 · SSM registration: 94307-K
Disclaimer. This platform is an independent educational resource by Amana Insurance and is not affiliated with, or endorsed by, PERKESO or the Government of Malaysia. Information is accurate to the best of our knowledge as of the "last updated" date shown on each answer; the scheme is under formal government review due by end-2026 and parameters may change. Nothing here constitutes financial advice, decisions about opting out or purchasing insurance should be made on your own circumstances, and where relevant, official PERKESO sources prevail.

Version 4 · 16 Jul 2026, 7:31 PM MYT · Made by ST Development