This new 24-hour protection scheme gives workers important social security for non-work accidents happening inside Malaysia. It began operations on 1 June 2026, and it changes how teams and staff handle off-duty incidents.
The guide below outlines who is covered, key employer duties, and what employees must do to claim benefits. Human resources teams should review eligibility rules and update policies so staff clearly understand their rights and responsibilities.
If you need tailored advice, our team is ready to help. Contact us at +60143422168 for guidance on specific cases and compliance steps.
Key Takeaways
- The scheme covers non-work accidents occurring anywhere in Malaysia.
- Operations started on June 1, 2026, affecting current workforce protections.
- Employers must understand new reporting and documentation rules.
- Employees should know how to file claims and meet eligibility steps.
- Contact +60143422168 for personalized guidance and compliance help.
Understanding the Lindung 24 Jam PERKESO Scheme
Learn how the program operates, who benefits, and how its risk pool supports injured workers.
What is the scheme?
The scheme began on 1 June 2026 to provide continuous protection for employees against non-work injuries. It functions as a social security pool that shares risk among contributors. This helps workers who lack private accident cover get medical and financial support.
Current status of the program
As of now, the program is voluntary for Malaysian employees and mandatory for foreign workers. Employers and HR teams should note this status and update policies accordingly.
“Pooling contributions creates a stronger safety net and helps injured workers recover without financial shock.”
| Feature | Scope | Notes |
|---|---|---|
| Coverage | Non-work accidents nationwide | Part of skim keselamatan sosial |
| Participation | Voluntary (locals) / Mandatory (foreign) | Check employer obligations |
| Purpose | Financial & medical support | Designed as skim lindung and skim lindung jam |
| Target | All employees | Strengthens lindung jam pekerja and liputan skim lindung |
Purpose and Social Security Objectives
This program aims to extend everyday protection so workers and families face fewer shocks after non-work injuries. It covers accidents at home, during travel, and while doing recreational or religious activities.
The scheme acts as a social insurance mechanism. It provides income replacement and medical support when an employee is injured outside traditional workplace risks.
Key objectives include broadening the skim lindung so protection follows the worker all day. The skim lindung jam helps people who lack private coverage and reduces financial strain on low-income households.
“Immediate rehab access and income support are central to reducing long-term hardship.”
- Replace lost income and cover medical costs after non-work accidents.
- Offer rehabilitation services quickly if sekira nya an injury leads to disability.
- Expand liputan skim lindung to many everyday scenarios, strengthening keselamatan sosial pekerjaan.
Eligibility Criteria for Employees
Here we clarify which workers the program covers and the registration rules that determine eligibility. The legal basis is the Employees’ Social Security Act 1969, which sets who may join and when.
The scheme applies to any employee registered under the act. To qualify, staff must be employed under a contract of service or as an apprentice. Registration with the national social security authority is essential to access benefits.
Foreign worker requirements
Foreign workers are mandatorily included. Sekira nya a foreign worker is employed in Malaysia, that person must participate to meet current legal requirements.
“Active registration in the national system is the primary requirement for all employees seeking protection.”
- All participants under the act are eligible for the skim lindung jam once registered.
- There is no specific had umur liputan; the umur liputan skim is inclusive of older workers.
- Pekerja kontrak sambilan are kontrak sambilan layak when enrolled and receive the same basic protections.
| Eligibility Factor | Requirement | Notes |
|---|---|---|
| Legal basis | Employees’ Social Security Act 1969 | akta keselamatan sosial defines eligibility |
| Employment type | Contract of service or apprenticeship | Includes full-time, part-time, and kontrak sambilan |
| Foreign workers | Mandatory participation | Sekira nya employed in Malaysia, must register |
| Age limits | No specific had umur liputan | Umur liputan skim designed to be inclusive |
Scope of Coverage and Protected Accidents
This part clarifies which everyday mishaps qualify for benefits and where those benefits apply. The scheme targets non-work incidents and links to the national safety net.
Geographical limit: Coverage is strictly limited to accidents that happen within Malaysia. If a kemalangan berlaku malaysia while the employee is abroad, that event is not covered.
Types of incidents covered include common personal accidents that occur in daily life. Examples below show typical situations that qualify for support.
Examples of covered incidents
- Falls at home, such as slipping on stairs or falling from a bed.
- Road accidents during personal travel, not while on duty.
- Injuries during sports, recreation, or religious activities.
- Minor accidents while doing household maintenance or social events.
Every skim lindung jam is designed to exclude events that terbit menjalankan pekerjaan. This means work-related injuries remain under separate workplace schemes.
“Sekira nya an accident happens outside work, the program aims to reduce financial shock and link the claim into the broader keselamatan sosial framework.”
| Scope | Included | Excluded |
|---|---|---|
| Location | Inside Malaysia | Overseas incidents |
| Activity | Personal, recreational, household | Work duties or terbit menjalankan pekerjaan |
| Outcome | Medical and financial support | Claims not meeting scheme criteria |
Exclusions and Non-Covered Scenarios
There are clear boundaries that keep this non-work accident cover focused on genuine accidents.
The scheme does not replace workplace injury insurance. Any incident that is terbit menjalankan pekerjaan stays under the Employment Injury Scheme or other work-related protections.
General illnesses and chronic conditions are not eligible. Self-inflicted harm, injuries tied to criminal acts, and fraudulent claims are excluded to protect the fund and beneficiaries.
- The skim lindung will not cover cases classed as skim bencana pekerjaan under labor law.
- Injuries from pre-existing illnesses like diabetes or dengue are outside scope of skim lindung jam.
- Accidents occurring overseas (kemalangan berlaku malaysia must be inside Malaysia to qualify).
- Benefits are withheld if a foreign worker breaks visa or permit rules, and sekira nya the incident relates to that breach.
- If an accident happens while on unpaid leave, coverage may not apply unless specific short-term criteria are met.
“These exclusions help the scheme complement, not replace, the wider keselamatan sosial network.”
| Excluded Category | Reason | Notes |
|---|---|---|
| Work-related injuries | Covered by other schemes | See Employment Injury Scheme |
| Illnesses & chronic conditions | Not accidental | Use standard health or disability plans |
| Fraud & criminal acts | Protects fund integrity | May lead to sanctions |
Breakdown of Contribution Rates
Below we break down the staged contribution rates so HR and employees understand payroll impact and compliance requirements.
The contribution structure is phased to protect fund sustainability and keep deductions predictable for staff.
Wage ceiling considerations
The caruman skim lindung is based on a maximum wage ceiling of RM6,000. Sekira nya an employee earns above this, contributions stop at that cap.
Who pays? This portion is ditanggung sepenuhnya pekerja — employers only facilitate the deduction and recording.
- Phase 1 (1 June 2026 – 31 May 2028): 0.75% of monthly wages.
- Phase 2 (1 June 2028 – 31 May 2031): 1.00% rate.
- Phase 3 (From 1 June 2031): 1.25% rate.
“Ensure the potongan caruman appears clearly on payslips to maintain transparency and trust.”
| Period | Contribution Rate | Wage Ceiling |
|---|---|---|
| 1 Jun 2026 – 31 May 2028 | 0.75% | RM6,000 |
| 1 Jun 2028 – 31 May 2031 | 1.00% | RM6,000 |
| From 1 Jun 2031 | 1.25% | RM6,000 |
HR must manage the majikan potongan caruman process carefully. Clear records help meet keselamatan sosial rules and reduce disputes.
Regularly review payroll systems to confirm caruman skim entries. Proper handling of this skim lindung jam keeps deductions fair and compliant.
Benefits Provided Under the Scheme
This section explains the practical benefits employees can claim after a non-work accident and how those payments support recovery.
The lindung jam program offers immediate medical treatment at approved panel clinics and public hospitals. Injured workers get care fast so recovery can begin without long delays.
Income support comes in the form of temporary disablement payments for workers who cannot work while they recover. For severe cases, faedah hilang upaya and hilang upaya kekal provide longer-term payments.
- Medical treatment: Clinic and hospital coverage for accident-related care.
- Temporary disablement: Income replacement during recovery.
- Permanent disablement: faedah hilang upaya and hilang upaya kekal based on injury severity and age.
- Funeral assistance: Support for dependants if a covered accident is fatal.
- Rehabilitation & training: Vocational rehab and professional services to help return to work.
- Support for dependants: Education benefits and faedah skim bencana in qualifying cases.
“Integrating these supports into the skim keselamatan sosial ensures timely help and clearer pathways back to work.”
The skim lindung and skim lindung jam mirror existing social programs so benefits stay consistent with other protections. Sekira nya an employee needs to claim, HR should guide the submission to speed up approval.
Medical Treatment and Rehabilitation Support
Comprehensive care after a non-work accident focuses on fast treatment and long-term recovery. The program ensures injured workers receive medical services and rehab that help them regain function and return to work.
Medical panel clinics
Injured employees can get free treatment at designated panel clinics or government hospital wards until recovery. For serious cases, the skim lindung jam covers second-class hospital care.
The panel network handles many injuries and refers to specialists when needed. Claims staff should guide patients to the correct clinic to speed approvals.
Return to work programs
Rehabilitation includes physiotherapy, occupational therapy, and provision of prosthetics or mobility aids. The faedah hilang upaya covers devices like wheelchairs and hearing aids where required.
When an injury causes hilang upaya kekal, ongoing support and vocational training help workers re-enter the labour market. Sekira nya retraining is needed, return-to-work services are available through the national keselamatan sosial system.
“Early rehab and coordinated care are key to restoring independence and income.”
| Service | Coverage | Notes |
|---|---|---|
| Panel clinic visits | Free until recovery | Primary care and referrals |
| Hospital (second-class) | Covered for severe cases | Specialist treatment included |
| Rehab & devices | Physio, OT, prosthetics | Under faedah hilang upaya |
Financial Assistance for Dependants
Dependants receive targeted payments to help with immediate needs and long-term stability after a covered non-work accident.
The program provides a funeral benefit of RM3,000 to assist the next-of-kin with burial costs. Sekira nya an insured employee dies, this faedah sekira nya is distributed to eligible family members under established social rules.
A constant attendance allowance of RM500 per month supports cases of severe permanent disability. This faedah hilang upaya helps families pay for full-time care and daily support.
Ongoing payments such as berkala faedah hilang and hilang upaya kekal aim to replace lost income so dependants can manage regular expenses.
“Consistent financial support reduces immediate hardship and aids longer-term recovery.”
- Next-of-kin may be layak menerima faedah after submitting proof of relationship and the required documents.
- Dependants must file claims promptly so berkala faedah hilang can begin without delay.
- HR should guide families through paperwork to speed approval and payment.
| Benefit | Amount | Purpose | Who is eligible |
|---|---|---|---|
| Funeral benefit | RM3,000 | Immediate funeral expenses | Next-of-kin |
| Constant attendance allowance | RM500 / month | Personal care for severe disability | Those with faedah hilang upaya |
| Permanent disablement (hilang upaya kekal) | Variable | Long-term income support | Workers with assessed permanent loss |
| Berkala faedah hilang | Periodic payments | Ongoing household support | Approved dependants |
Procedures for Opting Out
If you prefer not to participate, the opt-out process has clear steps and a firm deadline.
Malaysian employees who want to opt out must submit a declaration by 31 August 2026. You have two submission options: submit online via the LINDUNG Faedah Portal or visit and submit paperwork at a local hadir pejabat perkeso for in-person help.
Before you file, perform a semakan status caruman so past records are correct. Every pekerja semakan status should check contributions to avoid later disputes.
- Opt-out stops your caruman skim lindung once processed within the deadline.
- Sekira nya you opt out, you accept loss of non-work accident protection under this scheme.
- HR should confirm the potongan caruman ends only after official confirmation status is issued.
- Hilang upaya claims remain accessible if coverage was active when the accident occurred.
“Download your confirmation status from the portal and keep it for your records.”
| Action | Where | Note |
|---|---|---|
| Submit declaration | LINDUNG Faedah Portal / hadir pejabat perkeso | Deadline: 31 Aug 2026 |
| Verify records | Online semakan status caruman | Resolve discrepancies first |
| Stop contributions | Via HR after confirmation | Caruman skim lindung ceases on processing |
Rejoining the Scheme After Opting Out
Former participants can rejoin the lindung jam program by following the official reinstatement steps. This restores access to medical care and hilang upaya benefits once active contributions resume.
Start with the authority’s process. PERKESO sets the procedures for re-enrolment. HR will usually need the completed form and the rejoin confirmation to restart the caruman skim lindung.
Once approved, the caruman skim lindung will resume and the necessary deductions will be applied to monthly pay. Sekira nya you return, coordinate with HR so the potongan caruman restarts without delay.
Keep caruman skim payments consistent. Gaps in contributions can affect eligibility for some hilang upaya payouts and delay claims.
HR should prepare to help. A smooth return depends on clear paperwork, prompt updates to payroll, and confirmation of active cover so staff regain full protection and peace of mind.
“Rejoining quickly restores protection and reduces future financial risk.”
Employer Obligations and Responsibilities
It is the employer’s job to handle registration, inform staff about the 30‑day election period, and track contributions.
Register new hires immediately. Employers must enroll every eligible worker at the start of employment under the akta keselamatan sosial.
Ensure the correct caruman skim lindung is applied each pay period. Payroll must reflect the caruman skim and any potongan caruman clearly on payslips.
Verify the status of every pekerja kontrak sambilan. Confirm kontrak sambilan layak when applicable so coverage starts without delay.
There is no specific had umur liputan. Register staff regardless of age to meet the umur liputan skim rules and support national keselamatan sosial goals.
HR should explain the 30‑day period for opting out and keep written proof of notice. Good communication reduces disputes and speeds claims.
“Sekira nya an employer fails to comply, tindakan penguatkuasaan diambil to ensure full adherence to the law.”
| Responsibility | Action | Why it matters |
|---|---|---|
| Employee registration | Enroll on first day | Ensures access to lindung jam pekerja benefits |
| Payroll | Apply caruman skim lindung & potongan caruman | Transparent deductions prevent disputes |
| Contract checks | Verify pekerja kontrak sambilan status | Keeps coverage accurate for all workers |
| Staff notices | Inform about 30‑day election period | Protects employee rights and HR compliance |
Impact of Changing Employers
Switching jobs usually keeps an employee’s lindung jam protection active, but continuity depends on prompt payroll and HR actions at the new workplace.
The employee’s status remains intact during the transfer period if the new employer records the caruman skim lindung and starts deductions promptly.
Under the akta keselamatan sosial, responsibility for contributions passes to the new employer on the employment start date. If the employer does not pay, the potongan caruman may be taken directly from the worker’s salary.
For pekerja kontrak sambilan, this kontrak sambilan layak status is portable. HR should confirm the employee’s history so the umur liputan skim and had umur liputan remain unchanged.
If an employee is on cuti gaji hadir during the move, ensure the caruman skim continues as required. Good payroll setup avoids gaps that could affect claims or benefit periods.
“Timely setup of contributions by the new employer is essential to keep protection seamless.”
- Confirm enrolment status before the first pay run.
- Verify caruman skim lindung entries on payslips.
- Handle kontrak sambilan transitions carefully to preserve coverage.
Handling Claims and Documentation
To speed a claim, verify your coverage status and collect clear documentation proving the incident was a personal accident.
Submit claims via the LINDUNG Faedah Portal or by authorizing someone to hadir pejabat perkeso on your behalf. Include medical reports, police statements and any proof the event did not terbit menjalankan pekerjaan.
- Perform a semakan status caruman to confirm caruman skim entries for the accident month.
- Provide evidence if you are on cuti gaji hadir so income replacement and hilang upaya assessments proceed.
- Keep caruman skim and potongan caruman records ready to show eligibility and to support claims for berkala faedah hilang.
| Step | Required Documents | Purpose |
|---|---|---|
| Submit claim | Portal or hadir pejabat perkeso | Start processing quickly |
| Proof of accident | Medical & police reports | Show non-work status, avoid skim bencana pekerjaan or kemalangan bencana kerja disputes |
| Caruman verification | Pay records, semakan status caruman | Confirm layak menerima faedah and faedah sekira nya |
“Complete, clear documents reduce delays and protect entitlement under the keselamatan sosial framework.”
Need Professional Assistance
Professional help is available to guide both employees and HR through complex lindung jam processes. Our team provides clear advice on eligibility, documentation, and deadlines.
Call us at +60143422168 for immediate support. We can perform a semakan status caruman to confirm that records and contributions are correct.
- We handle every pekerja semakan status with strict confidentiality.
- Get tips on managing cuti gaji hadir paperwork so claims are processed smoothly.
- HR can request help on majikan potongan caruman and payroll setup to meet requirements.
- Ask our advisors about the caruman skim and how it affects take-home pay.
“Call +60143422168 for fast, practical support to protect employees and reduce administrative risk.”
Conclusion
This conclusion highlights practical next steps for workers and HR to make the most of the new non‑work accident protections.
The lindung jam scheme represents a meaningful expansion of social safety nets for employees across Malaysia. Review contribution phases, note opt‑out dates, and confirm payroll entries to keep coverage active.
Employees should compare current policies with the skim lindung benefits to spot gaps in medical and income protection. HR must simplify claims guidance and keep records clear so claims proceed without delay.
If you need tailored help, call +60143422168 for advice on eligibility, documentation, or rejoining steps.
Act now: check your status, update insurance comparisons, and ensure payroll reflects the correct contributions under this national skim lindung.
FAQ
What is the PERKESO Lindung 24 Jam scheme?
The scheme is a social security program that provides continuous accident protection for workers while performing job-related duties. It covers workplace accidents and certain accidents that happen outside the workplace but are linked to employment activities, offering medical care, rehabilitation, and income support when eligible.
What is the current status of the program?
The program remains active and enforced by national social security authorities. Employers must comply with contribution and reporting rules, and workers can check their contribution status through official portals or by visiting local offices for verification and assistance.
What is the primary purpose of this social security scheme?
The main goal is to protect workers from financial hardship after work-related injuries or illnesses. It delivers medical treatment, temporary income support, permanent disability benefits, and death benefits to dependants to maintain social and economic stability.
Which employees are eligible for coverage?
Most employees, including full-time, part-time, and contract workers, qualify if they are under an employer who registers and contributes to the scheme. Coverage typically has age limits and wage ceilings; check official guidance for specific thresholds and exceptions.
Are foreign workers covered under the scheme?
Foreign workers can be covered if their employer registers and makes the required contributions. Employers must ensure foreign hires are included and meet any immigration documentation and statutory requirements for protection.
What types of incidents are covered by the scheme?
Covered incidents include workplace accidents, occupational diseases, and certain accidents that occur while carrying out employment duties offsite. The program pays for medical treatment, rehabilitation, and benefits for temporary or permanent incapacity.
Are there geographical limits to coverage?
Generally, coverage applies where the employment activity takes place within national jurisdiction. Some offsite or travel-related incidents tied to job duties may also be included, but incidents abroad usually have restricted coverage unless specified by policy.
What situations are excluded from coverage?
Exclusions commonly include injuries from deliberate self-harm, illegal acts, intoxication, or incidents unrelated to employment. Non-work-related recreational injuries and certain preexisting conditions may also be excluded. Always check official exclusion lists.
How are contribution rates determined?
Contribution rates are set by the social security authority and shared between employers and employees according to law. Rates may vary by wage band and are applied up to a statutory wage ceiling. Employers must deduct and remit contributions timely.
Is there a wage ceiling for contribution and benefit calculations?
Yes. Benefits and contribution obligations are calculated up to a prescribed wage ceiling. Earnings above that cap may not increase benefit amounts, so confirm the current ceiling with official guidance for accurate calculations.
What benefits does the scheme provide?
Benefits include medical treatment, temporary wage replacement during recovery, permanent disability compensation, funeral and death benefits for dependants, and rehabilitation services to support return to work.
How do I access medical treatment and rehabilitation support?
Injured workers should seek care from approved medical panel clinics or hospitals under the scheme. Rehabilitation services and return-to-work programs are arranged through the social security office to support recovery and workplace re-entry.
How does the medical panel system work?
The panel includes approved clinics and hospitals that provide initial and ongoing treatment covered by the scheme. Using panel providers streamlines claims and ensures standardized care. If a specific provider is required, your employer or the authority can advise.
Are there programs to help workers return to work?
Yes. The scheme funds vocational rehabilitation and return-to-work programs that assess capacity, provide training or workplace adjustments, and coordinate with employers to facilitate safe re-entry when medically appropriate.
What financial assistance is available for dependants if a worker dies?
Dependants may receive death benefits, funeral expenses, and ongoing financial support depending on eligibility and the worker’s contribution history. The authority outlines dependent eligibility and payment rates in its benefit schedule.
Can an employer or employee opt out of the scheme?
Opting out is restricted. Employers must register eligible workers and remit contributions. Limited exemptions may exist for certain categories, subject to application and approval. Unauthorized noncompliance can trigger enforcement actions and penalties.
How do I submit an opt-out or exemption request online?
Requests and related documentation are typically submitted via the official online portal or at local offices. Complete the prescribed forms, upload supporting documents, and follow portal guidance to track application status.
What if I want to rejoin the scheme after opting out?
Rejoining requires formal registration and payment of any required contributions or arrears. Employers should update payroll deductions and notify the social security office to restore coverage for the worker.
What are employer responsibilities under the scheme?
Employers must register employees, calculate and deduct contributions, remit payments on time, report workplace incidents, cooperate with claims processes, and ensure access to approved medical providers and return-to-work measures.
How does changing employers affect coverage?
Coverage continuity depends on proper registration and contribution by the new employer. Workers should confirm their contribution status and provide documentation to avoid gaps in protection during employer transitions.
What documentation is needed to file a claim?
Typical documents include the injury report, medical certificates, employer statements, payroll records, identity documents, and any claim forms required by the social security office. Submit complete records to speed processing.
When should I seek professional assistance for a claim?
Seek legal, medical, or claims-advice assistance if a claim is complex, disputed, denied, or if you need help gathering evidence. Licensed advisors can clarify rights, assist with appeals, and ensure accurate representation.
Where can I check my contribution and claim status?
Use the official online portal or visit local social security offices to review contribution records, claim progress, and benefit payments. Employers can also provide payroll records to verify contributions.
