Malaysia is expanding its social security protection framework beyond the traditional boundaries of workplace injuries. PERKESO’s LINDUNG 24 JAM scheme represents a significant regulatory shift that every employer and HR team must understand and prepare for.
Extended Coverage
Covers non-employment related accidents, broadening employee protection beyond working hours.
Payroll Impact
Directly impacts employee contributions and payroll processing workflows across all employers.
HR Readiness
Requires proactive HR preparation and employee communication well ahead of the implementation date
This is a regulatory and operational update, not merely a benefit enhancement. Compliance obligations apply to all covered employers.
What Is LINDUNG 24 JAM?
Introduced by PERKESO (Social Security Organisation), LINDUNG 24 JAM, which translates to “24-Hour Protection” is a new scheme designed to fill the protection gap that exists beyond the workplace. It acknowledges that accidents can happen anytime, not just during working hours.
Non-Employment Accidents
Provides protection specifically for accidents not arising out of or during employment, covering employees in their personal time.
Complements Existing SOCSO
Works alongside the existing Employment Injury Scheme (EIS) under SOCSO. It does not replace or reduce current coverage.
Around-the-Clock Coverage
Extends protection beyond working hours, including evenings, weekends, and personal activities.
Implementation Timeline
Employers and HR teams should begin planning now to avoid last-minute compliance risks. The proposed implementation is structured with a clear target date, though it remains subject to official regulatory confirmation from PERKESO
Who Is Covered?
Coverage under LINDUNG 24 JAM is tied to employment status and existing SOCSO registration, not universal public enrollment. Understanding eligibility is critical for accurate payroll and HR administration
Always verify the latest eligibility categories directly with PERKESO’s official guidance, as details may be updated prior to the June 2026 launch.
Scope of Coverage
LINDUNG 24 JAM is designed specifically to cover accidents that fall outside the course of employment. Understanding what is and isn’t covered is essential for both employer communication and accurate claims management
Practical Example: An employee who sustains an injury in a road accident while on a personal trip during the weekend would be covered under LINDUNG 24 JAM, provided it occurs within Malaysia and is not work-related.
Key Exclusions
Understanding what LINDUNG 24 JAM does not cover is equally important for managing employee expectations and avoiding erroneous claims. The scheme is strictly accident-focused and applies within defined jurisdictional and categorical boundaries
Key Reminder
LINDUNG 24 JAM is an accident-focused scheme, not a general health or life insurance plan. It complements, but does not replace, existing coverage under SOCSO or employer-provided health benefits.
Communicating these exclusions clearly to employees will help manage claims expectations and reduce HR inquiry volume at launch.
Contribution Structure
One of the most operationally significant aspects of LINDUNG 24 JAM is its contribution model. HR and payroll teams must understand the deduction responsibility and proposed phased rate increases to prepare systems in advance.
Who Bears the Cost?
Contributions are borne entirely by employees. Employers are not required to co-contribute, but are legally responsible for accurate deduction and timely remittance to PERKESO.
⚠️ All rates are subject to official confirmation at the time of implementation. Do not configure final payroll settings until PERKESO issues the official gazette or circular.
Employer Responsibilities
While employees bear the cost of contributions, employers carry the administrative and legal responsibility for ensuring the scheme operates correctly within their payroll processes. Non-compliance with SOCSO regulations may result in enforcement action.
Non-compliance with PERKESO contribution and remittance obligations may be subject to enforcement action under the Employees’ Social Security Act 1969. Penalties can include fines and legal proceedings.
References & Further Reading
The following official PERKESO resources provide authoritative guidance on LINDUNG 24 JAM. Employers and HR professionals are encouraged to monitor these sources regularly for updates ahead of the June 2026 implementation.
PERKESO Official Scheme Page
The primary landing page for LINDUNG 24 JAM, including scheme overview, eligibility, and benefit details as published by PERKESO.
www.perkeso.gov.my — LINDUNG 24 JAM Scheme Page
PERKESO FAQ Document
An official FAQ document (Soalan Lazim) addressing common employer and employee questions about coverage, contributions, exclusions, and claims under the scheme.
www.perkeso.gov.my — Soalan Lazim LINDUNG 24 JAM (PDF)
All information in this guide is based on proposed guidelines and FAQ materials
