PERKESO Lindung 24 Jam: Complete Guide to Malaysia’s 24-Hour Social Security Protection

6d
3 min read

Updated: 5d

Malaysia’s social protection system continues to evolve to meet the needs of modern workers. One of the latest initiatives introduced by PERKESO is LINDUNG 24 JAM, effective starting from 01.06.2026. This scheme designed to provide broader protection for employees beyond normal working hours.

The initiative offers continuous protection for eligible employees against non-employment-related accidents during their employment period. This coverage includes accidents that occur outside working hours and are not directly related to their job or duties.

LINDUNG 24 JAM forms part of PERKESO’s wider effort to enhance social security protection in line with modern employment patterns and changing workforce needs.

What is PERKESO Lindung 24 Jam

LINDUNG 24 JAM is a Non-Employment Injury Scheme that provides round-the-clock social security protection for insured employees.

The scheme covers accidents that:

✅ 24‑hour nationwide protection

✅ Non‑work‑related accidents

✅ Accidents outside working hours

❌ Exclusions Under the Scheme

Certain situations are excluded from coverage, including:

Accidents occurring outside Malaysia
Foreign workers violating immigration conditions
Self-employment injuries covered under Act 789
Domestic injuries covered under Act 838
Conditions caused by illnesses such as diabetes, fever, or high blood pressure

The initiative expands traditional social protection by ensuring employees receive broader coverage even outside workplace environments.

Main Benefits Under PERKESO LINDUNG 24 JAM

The scheme provides several important forms of social security support for eligible contributors and their dependants.

	Medical treatment costs for approved cases are covered under the scheme which includes: Medical treatment Hospitalization Clinical care Specialist treatment Medical support services
	Disability benefits provide financial assistance to insured employees who suffer disability resulting from eligible accidents. This may include: Temporary disability support Permanent disability compensation Long-term financial assistance depending on the severity of disability
	Dependants’ benefits provide financial support to eligible family members if the insured person passes away due to a covered incident. Eligible dependants may include: Spouse Children Parents
	Funeral benefits provide financial assistance to help cover funeral and burial expenses following the death of an insured person. It helps ease the immediate financial burden on family members during difficult circumstances.
	Constant Attendance Allowance is provided for severely disabled insured persons who require continuous personal attendance and care. The allowance supports individuals who need ongoing assistance in carrying out daily activities due to serious disability conditions.
	Rehabilitation and Education Assistance support insured persons and eligible dependants through recovery and educational development programs. Support may include: Physical rehabilitation Occupational therapy Vocational rehabilitation Educational assistance for dependants Return-to-work support programs

Contribution Structure

The contribution structure for PERKESO LINDUNG 24 JAM is implemented progressively in stages. Contributions are fully borne by employees, while employers are responsible for making the payments throughout the employment period, starting from 01.06.2026.

Employees Includes:

Full Time Employee
Part Time Employee
Foreign Employee

Stage 1 Year 2026 - 2027	Stage 2 Year 2028- 2030	Stage 3 Year 2030 onwards
Employee Contribution Rate 0.75%	Employee Contribution Rate 1%	Employee Contribution Rate 1.25%

Compensation Structure (Payment Method)

Under PERKESO LINDUNG 24 JAM, income replacement for eligible disability cases is designed to support insured employees who are temporarily or permanently unable to work due to a covered injury. The benefit is paid as a monthly payment, calculated based on the employee’s insured wages.

Calculated based at 70%–90% of employee wages.

Temporary Disability

For employees who are temporarily unable to work:

Payment is made monthly during the medical leave period
The amount is based on a percentage of insured wages
Supports income replacement while the employee is under treatment or recovery
Ends when the employee is declared fit to return to work

Permanent Disability

For cases involving permanent loss of earning capacity:

Monthly pension-style payments may be provided
Based on assessed disability level and wage history
Continues for a long-term period depending on eligibility
May be reviewed periodically by PERKESO

Dependants' Benefits

The compensation amount is generally determined based on:

Insured monthly wage of the deceased
Contribution history of the insured employee
Dependants’ eligibility category (spouse, children, or parents)
PERKESO assessment of the claim and supporting documents

Employer Responsibilities

Employers are responsible for:

Deducting employee contributions from monthly wages according to the contribution schedule
Submitting contributions to PERKESO on a monthly basis
Ensuring correct wage declaration for accurate benefit calculation
Informing employees of policy changes related to contribution rates, scheme updates, or coverage adjustments

Summary

These responsibilities ensure that employee contributions are properly managed, accurately recorded, and consistently submitted so that workers maintain uninterrupted social security protection and receive correct benefit calculations when needed.