LINDUNG 24 Jam (SKBBK): Should You Stay In or Opt Out?
The Complete Guide for Employees & Employers (2026)
Published: 20 July 2026
(Updated based on PERKESO's latest FAQ dated 15 July 2026)
At a Glance (Read This First)
| Question | Quick Answer |
|---|---|
| Is LINDUNG 24 Jam compulsory? | ❌No (for Malaysian employees) ✅Yes (for foreign worker) |
| Who can opt out? | Malaysian employees only |
| Opt-out deadline | 31 August 2026 |
| Can I opt out after 31 August 2026? | No |
| Who pays the contribution? | Employee (unless employer voluntarily bears the cost) |
| Maximum contribution per month | RM45 (Phase 1) → RM60 (Phase 2) → RM75 (Phase 3) |
| Wage ceiling | RM6,000 |
| Covers illness? | ❌ No |
| Covers overseas accidents? | ❌ No |
| Covers accidents outside work? | ✅ Yes, within Malaysia |
Quick Navigation
- What is LINDUNG 24 Jam?
- Is participation compulsory?
- Is the June 2026 LINDUNG 24 Jam Contribution Still Payable?
- Can I opt out later?
- Can Employees Rejoin LINDUNG 24 Jam After Opting Out?
- How much is the contribution?
- Does paying more mean higher benefits?
- What benefits does LINDUNG 24 Jam provide?
- Should I continue or opt out?
- Can My Employer Pay the Contribution?
- What happens if I change employer?
- Common misconceptions
- How Does LINDUNG 24 Jam Apply to fresh graduate?
- How can employees opt out from LINDUNG 24 JAM?
FAQ 1 — What is LINDUNG 24 Jam?
LINDUNG 24 Jam (SKBBK) is a PERKESO social security scheme that protects employees against non-work-related accidents occurring within Malaysia.
Examples of Covered Accidents
✅ Accident at home
✅ Road accident during personal travel
✅ Sports or recreational accident
✅ Accident during personal activities
Not Covered
❌ Work-related accidents
❌ Illnesses (e.g. cancer, heart disease, dengue)
❌ Accidents outside Malaysia
FAQ 2 — Is Participation Compulsory?
Malaysian Employees
- Participation is voluntary.
- Employees who wish to opt out must submit the declaration by 31 August 2026. If no declaration is submitted, participation continues automatically.
Foreign Employees
- Participation remains mandatory.
FAQ 3 – Is the June 2026 LINDUNG 24 Jam Contribution Still Payable?
Yes.
According to PERKESO's latest FAQ, the June 2026 contribution remains compulsory, as the LINDUNG 24 Jam (SKBBK) scheme came into effect on 1 June 2026, when participation was still mandatory for Malaysian employees. The Government's subsequent decision to make the scheme voluntary does not affect the compulsory contribution for June 2026.
FAQ 4 — Can I Opt Out Later?
Generally, No.
This is one of the most important points.
Under the current PERKESO FAQ:
✔ Employees have a one-time opportunity to opt out.
✔ If you remain in the scheme, you generally continue participating even if you change employers.
Therefore, employees should consider the long-term implications before making their decision.
FAQ 5 – Can Employees Rejoin LINDUNG 24 Jam After Opting Out?
Yes.
According to PERKESO's latest interview, employees who have opted out of LINDUNG 24 Jam may subsequently choose to participate in the scheme again.
However, rejoining the scheme is subject to the procedures and requirements determined by PERKESO.
FAQ 6 — How Much Is the Contribution?
| Phase | Period | Rate | Maximum Contribution |
|---|---|---|---|
| Phase 1 | 1 June 2026 – 31 May 2028 | 0.75% | RM45/month |
| Phase 2 | 1 June 2028 – 31 May 2031 | 1.00% | RM60/month |
| Phase 3 | From 1 June 2031 | 1.25% | RM75/month |
Important
Contributions are calculated based on a maximum wage of RM6,000.
To see how this deduction appears on your payslip across different salary bands, including a worked example, see our LINDUNG 24 Jam employee guide to your payslip.
FAQ 7 – Does Paying More Mean Higher Benefits?
Generally, yes—but only up to the current contribution wage ceiling.
Unlike a fixed-sum Personal Accident insurance policy, certain benefits under LINDUNG 24 Jam are calculated based on the statutory formula prescribed under the Employees' Social Security Act 1969, taking into account factors such as:
- the employee's insured wages;
- age; and
- the degree of disability.
To help employees understand how the benefits may vary according to the contribution rate and insured wages, PERKESO has shared the following benefit illustrations.
Illustrative Benefits under LINDUNG 24 Jam (Source: PERKESO’s Briefing)
FAQ 8 — What Benefits Does LINDUNG 24 Jam Provide?
One of the biggest misconceptions is that LINDUNG 24 Jam simply adds accident insurance coverage.
In reality, it extends PERKESO's protection beyond work-related accidents, providing employees with protection for eligible non-work-related accidents occurring within Malaysia.
The comparison below, published by PERKESO, illustrates how the protection has expanded under LINDUNG 24 Jam.
Comparison of Protection Before and After LINDUNG 24 Jam (Source: PERKESO’s Briefing):
As shown above, employees may become eligible for additional statutory benefits following a covered non-work-related accident, including:
| Benefit | Coverage |
|---|---|
| Medical Benefit | Treatment at PERKESO panel clinics or Government hospitals. No monetary limit (subject to the Employees' Social Security Act 1969 and PERKESO's conditions). Where treatment is obtained from a non-panel clinic or private hospital, reimbursement may be claimed subject to PERKESO's prescribed rates. |
| Temporary Disablement Benefit | Income replacement during certified medical leave resulting from a covered non-work-related accident. |
| Permanent Disablement Benefit | Compensation payable for permanent disablement resulting from a covered non-work-related accident. The degree of permanent disablement is assessed by PERKESO's Medical Board. The benefit is generally calculated at 90% of the employee's average daily insured wage and determined based on the employee's insured wages, age and degree of permanent disablement. Benefits may be paid as a lump sum (up to 20% disablement) or as 20% lump sum with the remaining 80% paid as monthly periodic payments where the assessed degree of permanent disablement exceeds 20%. |
| Constant Attendance Allowance | RM500 per month for employees requiring continuous personal care due to severe permanent disablement. |
| Rehabilitation Benefit | Rehabilitation services (e.g. physiotherapy, occupational therapy, prosthetic devices and Return-to-Work Programme). No monetary limit, subject to PERKESO's conditions. |
| Dependants' Benefit | Ongoing benefits payable to eligible dependants if the employee dies due to a covered non-work-related accident. |
| Funeral Benefit | RM3,000 funeral assistance. |
| Education Benefit | Education assistance for eligible children, subject to PERKESO's terms and conditions. |
FAQ 9 — Should I Continue or Opt Out?
There is no one-size-fits-all answer.
You may consider remaining if you:
✅ Have limited accident protection.
✅ Have dependants relying on your income.
✅ Do not receive employer-sponsored accident coverage.
✅ Value rehabilitation and income replacement benefits.
You may consider opting out if you:
✅ Already have comprehensive accident protection.
✅ Fully understand the long-term implications.
✅ Have compared your existing coverage with LINDUNG 24 Jam.
FAQ 10 — Can My Employer Pay the Contribution?
The contribution is prescribed as being borne by the employee.
However, the current PERKESO FAQ does not expressly prohibit an employer from voluntarily bearing the employee's contribution as an employment benefit.
If an employer intends to do so, it should first consider:
- whether employees understand the long-term implications of remaining in the scheme;
- whether future employers will continue to bear the contribution; and
- whether employees may have to continue contributing themselves (sekali layak terus layak) if they change jobs.
FAQ 11 — What Happens If I Change Employer?
Many employees assume they can stop contributing after changing jobs.
Under the current FAQ, this is generally not the case.
If you remain in LINDUNG 24 Jam now, participation generally continues even after joining a new employer.
If your new employer does not bear the contribution, it will normally be deducted from your salary.
FAQ 12 — Common Misconceptions
❌ LINDUNG 24 Jam is compulsory for all employees.
✔ It is voluntary for Malaysian employees.
❌ I can opt out later if I change my mind.
✔ The current opt-out opportunity is only available until 31 August 2026.
❌ Changing employer means I can stop contributing.
✔ Participation generally continues even after changing employers.
❌ The scheme covers all illnesses.
✔ It covers eligible non-work-related accidents, not general illnesses.
❌ The monthly contribution should be the only factor in my decision.
✔ Consider the benefits, your existing protection and your personal circumstances before deciding.
FAQ 13 – How Does LINDUNG 24 Jam Apply to Fresh Graduate?
For fresh graduate, participation in LINDUNG 24 Jam (SKBBK) is initially applicable upon commencement of employment.
However, if a fresh graduate does not wish to participate, they may submit an opt-out declaration within 30 days from the employee registration date.
If no opt-out declaration is made within the 30-day period, the employee will continue participating in the scheme in accordance with PERKESO's requirements.
HR Tip: Employers should inform newly hired employees of this 30-day election period during onboarding so that they can make an informed decision and complete the necessary declaration, if applicable.
FAQ 14: How Can Employees Opt Out from LINDUNG 24 JAM?
Employees who do not wish to continue their participation in LINDUNG 24 JAM may choose to opt out by completing the Notis Pelepasan Liabiliti Skim LINDUNG 24 JAM provided by PERKESO.
The opt-out request can be submitted through either of the following methods:
- online through the LINDUNG Faedah Portal, or
- manually at any PERKESO counter.
The general process for online submission is as follows:
-
Access the LINDUNG Faedah Portal
Employees may access the PERKESO LINDUNG Faedah Portal https://lindungfaedah.perkeso.gov.my/auth/ and log in using their registered account details.
-
Complete the Opt-Out Declaration
Employees are required to complete the Perakuan Pelepasan Liabiliti, confirming their decision not to continue with the LINDUNG 24 JAM coverage.
-
Acknowledgement of Consequences
By opting out, employees acknowledge that they will no longer receive protection under LINDUNG 24 JAM for eligible non-employment-related accidents during the opted-out period.
-
Submit the online Opt-Out application.
-
Download the Opt-Out Confirmation/Status from the portal.
YYC’s Insight
Many discussions focus on the monthly contribution of RM45 to RM75, but the more important question is whether the protection provided aligns with your personal circumstances. Before deciding to stay in or opt out, compare LINDUNG 24 Jam with your existing accident coverage, understand the statutory benefits, and consider the long-term implications of your decision.
Disclaimer
This article is based on the latest information and FAQs published by PERKESO as at the date of publication, together with our current understanding of the LINDUNG 24 Jam (SKBBK) scheme. As the implementation of the scheme is still evolving, readers are encouraged to refer to PERKESO's official website for the latest announcements and guidance. YYC will continue to share significant updates as they become available.
