One of the latest developments introduced by PERKESO is the Skim Kemalangan Bukan Bencana Kerja (LINDUNG 24 Jam), which will officially be enforced starting June 2026.
As Malaysia’s workforce landscape continues to evolve, employee protection is becoming more comprehensive than ever. Staying updated on the latest HR and payroll developments is essential for both employers and employees, which is why MYWave, Malaysia’s best HR and payroll consultancy, continuously shares important workforce-related updates that businesses should prepare for.
What is LINDUNG 24 Jam?
LINDUNG 24 Jam is a social protection scheme designed to provide eligible employees with 24-hour accident coverage throughout their employment period. Unlike traditional employment injury protection that only covers work-related incidents, this scheme extends protection to accidents that happen outside working hours and are not directly connected to an employee’s job duties.
This means employees can receive protection even during personal time, offering greater financial security and peace of mind.
What Does the Scheme Cover?
The scheme provides several key benefits for employees, including:
- Comprehensive protection for non-work-related accidents
- 24-hour accident coverage
- Medical treatment costs financed by PERKESO
Under the scheme, according to PERKESO, a “non-employment injury” means a personal injury to the employee caused by accident not arising out of and in the course of his employment in an industry to which this Act applies and shall not include any circumstances specified in section 96B.
Contribution Rates for Employees
The contribution for LINDUNG 24 Jam is fully borne by employees. The contribution rates by the employees will be implemented in phases:
- Phase 1: 0.75% for the first two years
- Phase 2: 1.0% for the next three years
- Phase 3: 1.25% from the sixth year onwards
Type of Contribution Under LINDUNG 24 Jam
The contribution under this scheme is mandatory and fully borne by employees. However, employers are responsible for deducting and paying the contributions on behalf of employees for as long as they remain employed with the company.
Important Exclusions Employers Should Know
While the scheme provides broader protection, there are still exclusions that employers and employees should understand clearly.
LINDUNG 24 Jam does not cover:
- Accidents occurring outside Malaysia
- Insured Persons (OB) who are foreign workers who misuse valid immigration passes or violate immigration conditions
- Self-employment injuries under Act 789
- Domestic injuries under Act 838
- Medical conditions caused by illnesses such as diabetes, fever, or high blood pressure
Understanding these exclusions is important to avoid misunderstandings regarding eligibility and claims.
Who Can Benefit From LINDUNG 24 Jam?
LINDUNG 24 Jam is designed to cover a wide range of employees working in Malaysia, ensuring broader social security protection across different sectors and employment types.
The scheme is applicable to:
- Malaysian citizens
- Permanent Residents (PR)
- All validly employed local workers, expatriates, and foreign workers covered under Act 4.
There is no age limit under this scheme; coverage remains continuous as long as the employee is actively employed.
By extending coverage to both local and foreign workers within the eligible age group, the initiative supports stronger protection for Malaysia’s modern workforce while encouraging more inclusive employee welfare coverage.
Why This Matters for Malaysian Employers
For employers, the implementation of LINDUNG 24 Jam means payroll processes and statutory contribution management will become even more important from June 2026 onwards.
Companies should begin preparing by:
- Reviewing payroll deduction processes
- Updating employee communication materials
- Ensuring HR teams understand the new contribution structure
- Educating employees about their protection and contribution obligations
Businesses that stay proactive can avoid compliance issues while building greater employee trust and transparency.
Conclusion
The introduction of Skim Kemalangan Bukan Bencana Kerja (LINDUNG 24 Jam) reflects Malaysia’s continued efforts to strengthen employee social protection beyond the workplace. With round-the-clock coverage for non-work-related accidents, the scheme provides employees with wider financial and medical security in their daily lives.
Starting June 2026, employees will see additional PERKESO contributions under this new scheme. While this results in slightly higher deductions, it also brings expanded accident protection that can offer valuable long-term support during unexpected situations.
As the implementation date approaches, both employers and employees should take the time to understand the contribution structure, coverage scope, and compliance responsibilities associated with LINDUNG 24 Jam. Staying updated on the latest HR, payroll, and statutory developments is increasingly important, and MYWave, Malaysia’s best HR and payroll consultancy, remains committed to helping businesses and employees navigate these changes with confidence.
For any enquiries regarding HR and payroll, WhatsApp us or reach out to us at https://mywave.biz/contact-us/
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