If you work in Malaysia’s employment sector, you’ve likely heard about the recent launch of a scheme called LINDUNG 24 JAM, introduced by PERKESO. As people say, ‘save for a rainy day’; that’s exactly what they are doing. Sometimes, we don’t see it coming—the unexpected accident in the future that could happen to anyone.
But these questions may be on your mind: how different is it from the existing protection offered by PERKESO, how does it extend, and what are its limitations? We’ve put together the key details you need to know about the scheme and, most importantly, how it benefits you as an employee in Malaysia.
What Is LINDUNG 24 Jam?
LINDUNG 24 Jam Scheme is a Non-Employment Injury Scheme (SKBBK) that serves as day-and-night (24-hour) security for qualified employees during their employment period, inclusive of accidents happening outside of working hours that are indirectly related to the employee’s employment or duties.
Why Was LINDUNG 24 Jam Introduced?
Before LINDUNG 24 Jam, traditional PERKESO schemes, such as the Employment Injury Scheme, only covered accidents that happened at work or while commuting. This new scheme fills that gap by covering non-work-related accidents. By shifting its policy toward round-the-clock employee welfare, it recognizes that personal accidents can happen anywhere and at any time. Since many low-income workers cannot afford private personal accident insurance, this scheme pools resources to provide low-cost, high-value financial and medical protection.
Who Is Eligible for LINDUNG 24 Jam?
All local employees covered under the Employees Social Security Act 1969 [Act 4], including permanent and temporary residents as well as foreign workers, are eligible for protection under this scheme.
Is LINDUNG 24 Jam Compulsory?
Effective as of 8 July 2026, the scheme is mandatory for foreign workers and voluntary for local employees.
What to Do to Participate in the LINDUNG 24 Jam Scheme?
Employees who wish to join the scheme are automatically enrolled by default (opt-in), so no action is required. However, local employees who choose not to participate (opt out) must take action through the LINDUNG Faedah Portal or, if the system is offline, by submitting a LINDUNG 24 Jam Notice of Release of Liability.
Can an Opted-Out Employee Choose to Opt Back In?
YES! Coverage for employees who opt back in becomes effective from the date and time they submit their selection to PERKESO, with contribution payments beginning from the salary month in which they submit the option.
How Much Is the LINDUNG 24 Jam Contribution?
The contribution amount is based on your monthly salary. Contributions are fully paid by the employee, with a phased contribution rate structure as listed below.
- Phase 1: 0.75% (1 June 2026 to 31 May 2028)
- Phase 2: 1.00% (1 June 2028 to 31 May 2031)
- Phase 3: 1.25% (from 1 June 2031 onwards)
For instance, at the initial 0.75% rate, an employee earning RM3,000 per month would contribute RM22.50 per month, subject to the applicable contribution rules.
Only salary up to RM6,000 per month is counted. If you earn more than RM6,000, the excess is excluded from the calculation. The contribution rate may be introduced gradually, in line with the relevant regulations and the date they take effect. For example, if your monthly salary is RM8,000, the calculation would generally use RM6,000, not RM8,000.
What Is the Employer’s Part in LINDUNG 24 Jam Contributions?
Employers are responsible for deducting LINDUNG 24 Jam contributions from participating local employees’ salaries and all foreign workers’ salaries and remitting them to PERKESO monthly.
What Does LINDUNG 24 Jam Cover?
The scheme may cover non-work-related accidents in Malaysia that do not need to happen at work, but it must occur outside working hours, including:
- Accidents at home or during a personal trip.
- Accidents while doing personal activities.
- Commuting accidents, as long as they are unrelated to work.
- Road accidents that are not criminal acts, even if you receive a police fine or compound.
What Benefits Are Provided under the LINDUNG 24 Jam Scheme?
Medical Benefit
If an employee is injured in a non-work-related accident covered by this scheme, they may seek treatment at a private clinic or government clinic/ hospital. The employee can later claim reimbursement from PERKESO for eligible expenses. If the injury is severe, treatment must be provided at government hospitals. The employee is entitled to a second-class hospital ward. Specialist treatment is covered when medically necessary.
Temporary Disablement Benefit
The employee may receive a benefit if a doctor certifies medical leave for at least 4 days, counting the day the incident happened. They may still qualify even if they continue working and are paid their normal wages during that medical-leave period.
Permanent Disablement Benefit
If a contributor suffers permanent disablement because of a covered injury by the scheme, the Medical Board determines how severe the disability is, the contributor’s wage or salary, and age. Those factors are used to calculate the amount, using rules similar to PERKESO’s Employment Injury Scheme.
Constant Attendance Allowance
They must be severely disabled and unable to manage daily activities independently, and require continuous personal care or supervision from another person for a Medical Board to officially recommend that the person qualifies. The additional payment is set at RM500 per month.
What Does LINDUNG 24 Jam NOT Cover?
- Fraudulent claims
- Self-inflicted injuries or suicide.
- Accidents involving criminal acts.
- Any disease or injury unrelated to an accident, including occupational diseases.
- Accidents during an unpaid leave period and with no contributions made to the LINDUNG 24 Jam Scheme for the month of the accident.
- Accidents during unauthorized absences that affect the employee’s employment status, leading to their dismissal, with no LINDUNG 24 Jam Scheme contributions made in the month of the accident.
- Accidents certified as Employment Injury under the Employment Injury Scheme (LINDUNG Pekerja), Self-Employment Social Security Scheme (LINDUNG Kendiri), and Housewives’ Social Security Scheme (LINDUNG Kasih)
Does LINDUNG 24 Jam Replace Personal Accident Insurance
LINDUNG 24 Jam is a statutory social protection, while personal accident insurance is private/ commercial insurance. Their benefits and terms are different. It is advised not to view LINDUNG 24 Jam as an automatic replacement for your existing personal insurance. Employees should look at their overall protection needs, including medical, income, disability, life, and critical illness coverage.
Key Takeaway
Keep in mind that LINDUNG 24 Jam provides only an extra layer of protection against eligible non-work-related accidents. Once you understand what this newly introduced scheme cover, LINDUNG 24 Jam covers— and what it doesn’t—you can better assess whether you have sufficient protection for medical expenses, disability, loss of income, and your family’s financial needs.
