LINDUNG 24 Jam FAQI already have PA insurance. Do I still need this?
✓ VerifiedUpdated 2 days agoConfidence: High
Short 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.
The full picture
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.
Primary source: PERKESO Official FAQ (PDF)
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Deciding before 31 August 2026?
Use the free decision tools: contribution calculator, opt-out guide and an honest LINDUNG 24 Jam vs Personal Accident comparison.
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