Question 1

What exactly is LINDUNG 24 Jam?

Accepted Answer

PERKESO's scheme (from 1 June 2026) covering accidents outside work: at home, on the road, on weekends, anywhere in Malaysia. Officially the Skim Kemalangan Bukan Bencana Kerja (SKBBK), it extends SOCSO protection beyond the Employment Injury Scheme, which only covers work and commuting accidents. It provides 8 benefits including medical treatment, daily income replacement during MC, permanent disability compensation, a dependants' pension and a funeral benefit.

Question 2

Is it still compulsory?

Accepted Answer

No: for Malaysians it's voluntary since 8 July 2026. It remains compulsory for foreign workers. After public backlash, the Cabinet made participation voluntary for local employees with immediate effect. But enrolment works on an opt-out basis: if you do nothing by 31 August 2026, you stay in and deductions continue.

Question 3

How much is deducted from my salary?

Accepted Answer

0.75% of monthly salary, capped at a RM6,000 ceiling, maximum about RM45/month. RM3,000 salary pays RM22.50. The contribution is fully employee-borne; your employer only deducts and remits it. Rates are phased: 0.75% until 31 May 2028, 1.00% from June 2028, and 1.25% from June 2031, under the Third Schedule of Act A1788. Earn above RM6,000 and you still pay only the ceiling amount.

Question 4

Will the rate really increase later?

Accepted Answer

Yes: 0.75% now, 1.00% from June 2028, 1.25% from June 2031, per the official schedule. The phased structure is set in PERKESO's official FAQ and Act A1788. A full government review of the scheme is due by end-2026, so parameters could still change.

Question 5

How do I opt out of LINDUNG 24 Jam?

Accepted Answer

Log in at lindungfaedah.perkeso.gov.my, select 'SAYA MEMILIH UNTUK TIDAK MENYERTAI', submit, then inform your HR. Deadline: 31 Aug 2026. The opt-out is a liability release declaration, you confirm you won't be eligible for benefits and won't hold your employer or PERKESO liable for non-work accidents. Download and keep the declaration form as your record. Opt-outs take effect from the July 2026 contribution; June deductions stand. A manual form also exists.

Question 6

What happens if I do nothing?

Accepted Answer

You stay in the scheme automatically and the deduction continues. No declaration by 31 August 2026 = participation continues by default. Workers who want to stay don't need to do anything, though some guides recommend making a 'MENYERTAI' declaration on the portal for record purposes. 'Voluntary' does not mean deductions stop automatically.

Question 7

If I opt out, can I rejoin later?

Accepted Answer

Yes, anytime, but protection only takes effect after your contributions resume. No retroactive cover. Opting out isn't permanent. But per PERKESO's CEO, protection is effective only once contributions restart, and for accidents after 15 July 2026 you must have a contribution record to be eligible. If you're not contributing, neither PERKESO nor your employer bears responsibility for non-work accidents.

Question 8

Will I get my June contribution back if I opt out?

Accepted Answer

No. June (and July, if deducted) contributions are not refunded. PERKESO's position: June 2026 contributions were mandatory by law before the 8 July Cabinet decision, and coverage was active during that period, so no refund is available. Opting out only stops future deductions.

Question 9

What does it actually cover?

Accepted Answer

Accidents outside work, inside Malaysia, falls at home, weekend sports injuries, road accidents on your day off, balik kampung mishaps. The trigger must be an accident, not an illness. PERKESO's official covered examples include balik kampung journeys, family holidays within Malaysia, falls at home, accidents during religious worship (including the journey), recreational sports, and DIY home repairs, provided the activity isn't income-generating work. Work accidents stay under the existing Employment Injury Scheme.

Question 10

What accidents are NOT covered?

Accepted Answer

Overseas accidents, illnesses (fever, diabetes, heart conditions), work accidents, self-inflicted injury, intoxication-related and criminal-act incidents, fraud. Also excluded: accidents during unpaid-leave months with no contribution (limited exceptions), accidents before 1 June 2026, and accidents after 15 July 2026 where you have no contribution record. The same accident can't be claimed under both the Employment Injury Scheme and LINDUNG 24 Jam, one scheme per accident.

Question 11

Am I covered when I travel overseas?

Accepted Answer

No. LINDUNG 24 Jam only covers accidents inside Malaysia. For overseas trips you still need travel insurance or a PA plan with worldwide coverage. This is one of the clearest reasons the scheme complements rather than replaces private insurance.

Question 12

Does it cover illness or hospitalisation for sickness?

Accepted Answer

No. Accidents only, not fever, diabetes, hypertension, strokes or occupational diseases. This is why it doesn't replace a medical card: a medical card covers illness-driven hospitalisation; LINDUNG 24 Jam covers accident-driven injury. They protect against different events.

Question 13

I ride a motorcycle. Is a road accident on my day off covered?

Accepted Answer

Yes: non-work road accidents in Malaysia are exactly what this scheme was built for. Road accidents outside work/commute were the largest category of previously rejected SOCSO claims. Benefits can include panel-clinic treatment, daily income replacement during MC, permanent disability compensation and a dependants' pension. Riders are Malaysia's highest accident-risk group and often the least insured.

Question 14

How is this different from my existing SOCSO?

Accepted Answer

Existing SOCSO covers accidents at work and on the commute. LINDUNG 24 Jam covers accidents everywhere else, evenings, weekends, holidays. Both sit under Act 4 with similar benefit types. The existing Employment Injury Scheme is employer-funded; LINDUNG 24 Jam is employee-funded. An accident is assessed under one scheme or the other, never both. PERKESO cites roughly 13 claims per day rejected in 2025 for being non-work accidents, the gap this scheme closes.

Question 15

I already have PA insurance. Do I still need this?

Accepted Answer

They overlap but aren't the same. Private PA pays a lump sum you chose; LINDUNG 24 Jam pays ongoing benefits. Many planners treat them as complementary. Key differences: PA can cover worldwide, LINDUNG 24 Jam is Malaysia-only; PA pays fast lump sums, this pays structured monthly benefits; PA has age limits and underwriting, this has neither while you're employed; basic PA often lacks income replacement during temporary disablement, which this provides. The right answer depends on your coverage gaps, see the Compare tab.

Question 16

Can I claim both LINDUNG 24 Jam and my private insurance?

Accepted Answer

Having private insurance does not disqualify you. Whether your private policy also pays depends on the benefit type and your policy terms. PERKESO's official FAQ (Q12) states benefits are available regardless of any private insurance, medical card or employer coverage. On the private side: fixed-benefit payouts (PA lump sums, hospital income) generally pay alongside; reimbursement-type medical bills can't be double-claimed. Verify with your insurer, terms vary.

Question 17

What are the 8 benefits, in plain language?

Accepted Answer

Medical treatment paid; daily cash on accident MC; permanent disability compensation; RM500/mo carer allowance; family pension if you die; RM3,000 funeral benefit; rehab support; education loan for your children. Formally: Medical Benefit, Temporary Disablement (HUS), Permanent Disablement (HUK, assessed by Medical Board), Constant-Attendance Allowance (RM500/month), Dependants' Benefit (rates identical to the Employment Injury Scheme), Funeral Benefit (RM3,000), Rehabilitation, and Education Benefit (a loan). Entitlement is assessed by PERKESO case by case.

Question 18

How much do I get if I'm on MC after an accident?

Accepted Answer

A daily cash benefit replacing part of your wages, provided the MC is at least 4 days including the accident day. The Temporary Disablement Benefit pays daily income replacement during doctor-certified MC of 4+ days, and per the official FAQ, it's payable even if you attend work and receive wages. The widely quoted ~80%-of-wage rate reflects the Employment Injury Scheme's rate (PERKESO says benefits are identical); exact quantum follows PERKESO's schedules and your insured wage. This is the benefit most medical cards and basic PA plans don't provide.

Question 19

What does my family get if I die in an accident?

Accepted Answer

A Dependants' Benefit (periodic payments), a RM3,000 funeral benefit, and an education loan for eligible children. The Dependants' Benefit pays your spouse, children, parents and other dependants at rates identical to the Employment Injury Scheme. Unlike a one-off lump sum, it's recurring, significant long-run value, though without the immediate liquidity of a private PA lump sum. Both structures serve different needs.

Question 20

I'm self-employed / a gig worker. Am I covered?

Accepted Answer

No. LINDUNG 24 Jam is only for employees under Act 4. The self-employed have a separate scheme. SKSPS under Act 789. Self-employment injuries are explicitly excluded. Gig and self-employed workers should register for the Self-Employment Social Security Scheme (SKSPS), and private PA remains especially relevant, since they face the highest road exposure with the least protection.

Question 21

Are housewives, students and retirees covered?

Accepted Answer

No: coverage is tied to being an employed SOCSO contributor. Housewives have a separate scheme (SKSSR, Act 838). Protection exists only during employment with contributions. Retirees who keep working remain covered, there's no age limit while employed, one of the few areas where this beats private PA.

Question 22

Does it cover my spouse and children?

Accepted Answer

No: it covers you, the contributing employee. Your family benefits only as dependants if you die or are disabled. Dependants', funeral and education benefits are triggered by an accident to the insured worker, not by accidents happening to family members. Each working family member gets their own coverage via their own contribution. There is no family plan.

Question 23

I have two jobs. Do both employers deduct?

Accepted Answer

No: only one principal employer deducts, based on your selection. If you don't choose, PERKESO applies an automated mechanism to determine the deducting employer. Coverage doesn't stack or overlap.

Question 24

My employer never deducted or remitted, am I still protected?

Accepted Answer

For accidents after 15 July 2026, no contribution record = no coverage. You can lodge a complaint with PERKESO. PERKESO can pursue employers for outstanding contributions. An employer convicted of failing to deduct faces up to 2 years' imprisonment, a RM10,000 fine, or both (with a 6-month grace period on LINDUNG 24 Jam penalties). Verify your record via prihatin.perkeso.gov.my, the PRIHATIN app, or 1-300-22-8000.

Question 25

How do I make a claim?

Accepted Answer

Submit a benefit application via the LINDUNG Benefit Portal or any PERKESO office, with the prescribed supporting documents. Someone else can submit on your behalf if you're unable to. Medical treatment runs through PERKESO panel clinics and government hospitals. Final entitlement is determined by PERKESO's assessment, having the scheme isn't an automatic payout guarantee. Month-one data: PERKESO cites 592 applications and over RM1.2 million disbursed; its CEO cited ~27 benefit cases per day and almost RM2 million within a month.

Question 26

Why do foreign workers have to stay in but locals can leave?

Accepted Answer

The Cabinet's U-turn applied only to local employees; foreign worker participation remains mandatory. Employers must continue remitting for foreign workers (and for locals who stay in). Foreign workers who breach immigration pass/permit conditions are excluded from benefits.

Question 27

Can my employer fire or penalise me while I'm on accident MC?

Accepted Answer

Employers remain bound by employment law, and have no right to claim any part of your Temporary Disablement Benefit. PERKESO's official FAQ states employers are subject to relevant legal provisions concerning the contract of service before acting against an employee receiving benefits, and are not entitled to claim against the daily cash benefit, it's yours even if you also received wages during MC.

Question 28

Does overtime or my bonus change the deduction?

Accepted Answer

Overtime, leave pay and holiday pay count as wages for the deduction. Annual bonus, travel allowance, gratuity and statutory contributions do not. The contribution follows the definition of wages in Section 2(24) of Act 4. Counted: basic salary, overtime, and payments for leave and public holidays. Not counted: annual bonus, travel allowance, gratuity and statutory contributions. The 0.75% applies to counted wages up to the RM6,000 ceiling.

Question 29

Am I covered during unpaid leave?

Accepted Answer

Generally no, if no contribution was made in the accident month. Limited exceptions apply. The official exclusions cover accidents during unpaid-leave periods with no contribution in the accident month. Stated exceptions include short unpaid absences, leave taken to exhaust annual leave or end-of-service leave, and absence for personal matters that does not affect your service status.

Question 30

Can I still opt out after 31 August?

Accepted Answer

The declared window is 13 July to 31 August 2026. No post-window opt-out mechanism has been announced, so treat 31 August as final. PERKESO's opt-out window runs 13 July to 31 August 2026 and no official mechanism for opting out after the window has been announced. Unless PERKESO states otherwise, plan on 31 August as final. The joint government review due by end-2026 may change parameters.

Question 31

I resigned or changed jobs. What happens to my coverage?

Accepted Answer

Coverage is tied to active employment and contribution. A new employer deducts as usual; months without contribution are not covered. Based on the official rules: protection exists while you are employed under Act 4 with contributions. When you change jobs, your new employer registers and deducts as usual. For accidents after 15 July 2026 you need a contribution record, so any gap months without contribution are not covered. PERKESO has not published a single dedicated answer for job changes; this is derived from the official rules.

Question 32

When must my employer pay the contribution?

Accepted Answer

By the 15th of the following month. June's contribution was due 15 July 2026. Employers remit LINDUNG 24 Jam contributions together with the monthly SOCSO contributions, by the 15th of the following month. PERKESO granted employers a 6-month grace period from penalties for this scheme's contribution non-compliance; after that, normal enforcement applies.

Question 33

Is my weekend futsal, hiking or cycling injury covered?

Accepted Answer

Yes. Recreational and private sporting activities are in PERKESO's official covered examples. PERKESO's official examples of covered scenarios include recreational sports such as cycling and football, provided the activity is not income-generating work. The usual rules still apply: it must be an accident, inside Malaysia, while you have a contribution record.

Question 34

Accident while commuting to work: which scheme pays?

Accepted Answer

Commuting to and from work falls under the Employment Injury Scheme (employer-funded), not LINDUNG 24 Jam. The existing Employment Injury Scheme covers accidents at work and on the commute between home and work. LINDUNG 24 Jam covers accidents on journeys that are not work-related, such as weekend trips or balik kampung. Simple rule: going to or from work, Employment Injury Scheme; everything else, LINDUNG 24 Jam. One scheme applies per accident.

Question 35

What happens after the government review at end-2026?

Accepted Answer

PERKESO and KESUMA will review the scheme's direction, effectiveness and fund sustainability by end-2026. Parameters may change. A joint PERKESO and KESUMA review of the scheme's implementation, effectiveness and fund sustainability is due by end-2026, with findings potentially tabled in Parliament. Contribution rates, mandatory status and employer co-contribution have all been publicly debated, so parameters could change. This platform updates within 24 to 48 hours of any official change.

Question 36

How much is my TOTAL PERKESO deduction now, with LINDUNG 24 Jam?

Accepted Answer

If you join, the employee side is 1.25% total: 0.75% for LINDUNG 24 Jam plus 0.5% for the Invalidity Scheme. On RM3,000 that's about RM37.50 a month for the whole employee portion. Per PERKESO's official contribution table (FAQ V2.0, Q28), the employee pays 0.75% (LINDUNG 24 Jam) + 0.5% (Invalidity/Keilatan Scheme) = 1.25%, while the employer pays 1.25% (Employment Injury) + 0.5% (Invalidity) = 1.75%. The employer contributes nothing to LINDUNG 24 Jam itself \u2014 that 0.75% is fully yours. So the new scheme adds 0.75% on top of the 0.5% Invalidity you were already paying.

Question 37

Are contract or part-time workers eligible?

Accepted Answer

Yes. Contract and part-time workers can contribute and be covered under LINDUNG 24 Jam if they choose to join. PERKESO's official FAQ (V2.0, Q33) confirms contract and part-time (sambilan) workers are eligible to be contributed for under LINDUNG 24 Jam if they opt to join. Self-employed people are the exception \u2014 they are not covered here and must register separately under the Self-Employment Social Security Scheme (Act 789). Eligibility follows Act 4 employee status, not the type of contract.

Question 38

How does my employer actually pay the contribution?

Accepted Answer

Your employer deducts it from your salary and remits it to PERKESO monthly, together with the existing PERKESO contribution, through channels like the ASSIST 2.0 portal. Per PERKESO's official FAQ (V2.0, Q29\u201331), the employer deducts the LINDUNG 24 Jam contribution from your wages and pays it to PERKESO each month for as long as you work there, alongside the normal PERKESO contribution. Accepted payment channels are the ASSIST 2.0 portal (FPX), Direct Debit Authorisation (DDA), appointed bank counters (Maybank, RHB cash only, Public Bank), and internet banking. You can verify your own contribution record any time via the PRIHATIN portal or app.

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Calculate my contribution

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Opt Out

👤Who can opt out?

📋How to opt out: 6 steps

⚠️Common mistakes

🔗Official links

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

Opting out and going unprotected?

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