How Much Does LINDUNG 24 Jam Cost and How Do the Benefits Work?

LINDUNG 24 Jam explained for Malaysians: what it costs, what the benefits actually pay, and how it compares with a personal accident plan. Plain-English guide by AMANA.

PERKESO LINDUNG 24 Jam, officially known as the Skim Kemalangan Bukan Bencana Kerja, is Malaysia’s Non-Employment Injury Scheme. The scheme provides eligible employees with protection against accidents that happen outside working hours and are not directly related to their employment or work duties. Since LINDUNG 24 Jam came into effect on 1 June 2026, many Malaysians have been asking important questions:

• How much is the LINDUNG 24 Jam contribution?
• What benefits does LINDUNG 24 Jam provide?
• Is LINDUNG 24 Jam compulsory?
• How are the benefits calculated?
• Does LINDUNG 24 Jam replace Personal Accident insurance?
• Should employers continue providing Group Personal Accident insurance?

This guide explains how the scheme works using information and benefit illustrations published by PERKESO.

Important July 2026 update: Participation in LINDUNG 24 Jam is no longer compulsory for local employees. Participation is voluntary for Malaysian employees, while it remains mandatory for foreign workers in accordance with the applicable legal provisions.

Source: PERKESO source Disclaimer: This article is provided for educational purposes only. Actual eligibility, contribution amounts and benefit payments are determined solely by PERKESO based on the applicable legislation, contribution records, medical assessments and current scheme rules.

What Is PERKESO LINDUNG 24 Jam?

LINDUNG 24 Jam extends PERKESO social security protection to eligible employees who experience accidents during their personal time. It is designed to cover personal accidents that do not arise out of, or occur in the course of, the employee’s work. Examples may include:

• A road accident while visiting family
• Falling at home
• An accident while travelling for personal reasons
• An accident during recreational activities
• An accident while participating in a private sporting activity
• An accident while carrying out non-income-generating repairs at home

The accident must generally occur within Malaysia and must not be directly connected to the employee’s work or employment duties. Source: PERKESO LINDUNG 24 Jam FAQ

Is LINDUNG 24 Jam Compulsory?

The participation requirements for LINDUNG 24 Jam were updated in July 2026. For local Malaysian employees, participation is voluntary. For foreign workers, participation remains mandatory in accordance with the applicable legal provisions. Although the contribution is paid through the employer, the cost is fully borne by the employee. The employer deducts the applicable contribution from the employee’s salary and remits it to PERKESO. Source: PERKESO source Employees who are considering whether to remain in or leave the scheme should first understand:

• What accidents are covered
• What benefits may be available
• What exclusions apply
• How much they will contribute
• Whether they have sufficient alternative protection

How Much Does PERKESO LINDUNG 24 Jam Cost?

The LINDUNG 24 Jam contribution is based on the employee’s monthly wages. The contribution is fully borne by the employee and deducted through the employer’s existing PERKESO contribution process.

LINDUNG 24 Jam Contribution Phases

Implementation Period	Employee Contribution Rate
1 June 2026 to 31 May 2028	0.75%
1 June 2028 to 31 May 2031	1.00%
From 1 June 2031 onwards	1.25%

The contribution calculation is subject to the current monthly wage ceiling of RM6,000. Source: PERKESO LINDUNG 24 Jam FAQ

Estimated Monthly LINDUNG 24 Jam Contribution

Example Monthly Salary	LINDUNG 24 Jam Monthly Contribution
RM2,000	RM14.65
RM3,000	RM22.15
RM4,000	RM29.65
RM4,550	RM34.15
RM5,000	RM37.15
RM6,000 and above	RM44.65

PERKESO uses scheduled salary bands to determine the contribution. Therefore, the actual deduction may differ slightly from a simple calculation of exactly 0.75% of the employee’s salary. Source: PERKESO official contribution schedule

What Benefits Does LINDUNG 24 Jam Provide?

Depending on eligibility, the circumstances of the accident and PERKESO’s assessment, LINDUNG 24 Jam may provide:

• Temporary Disablement Benefit
• Permanent Disablement Benefit
• Medical Benefit
• Constant-Attendance Allowance
• Physical rehabilitation
• Vocational rehabilitation
• Prosthetic, orthotic and rehabilitation equipment
• Return to Work support
• Dependants’ Benefit
• Funeral Benefit
• Education Benefit for eligible dependants

Medical treatment may be provided through PERKESO panel clinics or government clinics and hospitals. Reimbursement for treatment obtained from other medical facilities is subject to PERKESO’s applicable rates and conditions. Source: PERKESO LINDUNG 24 Jam FAQ

How Do LINDUNG 24 Jam Benefits Work?

The following example is based on the official Phase 1 benefit illustration published by PERKESO.

Example Employee

• Employee age: 30 years old
• Monthly assumed wage: RM4,550
• Accident occurs outside working hours
• Employee receives 15 days of certified medical leave
• Permanent disablement is assessed at 3%

The official PERKESO illustration uses a Phase 1 Temporary Disablement Benefit rate of 48%, a Permanent Disablement and Dependants’ Benefit rate of 54%, and an age factor of 4,487 for an employee aged 30. Source: PERKESO official benefit schedule

Benefit Calculation

Perkara	Pengiraan
Tarikh kemalangan	1 Januari 2027
Gaji purata anggapan	RM27,300 ÷ 6 bulan
Gaji bulanan purata anggapan	RM4,550
Gaji harian purata anggapan	RM4,550 ÷ 30 = RM151.6667
Kadar Faedah Hilang Upaya Sementara (FHUS)	48%
Kelayakan FHUS sehari	RM151.6667 × 48% = RM72.80 sehari
Tempoh cuti sakit	15 hari
Jumlah kelayakan FHUS	RM72.80 × 15 hari = RM1,092.00
Kadar Faedah Hilang Upaya Kekal (FHUK)	54%
Kadar asas FHUK	RM151.6667 × 54% = RM81.90 sehari
Taksiran hilang upaya kekal	3%
Faktor umur	4,487 bagi umur 30 tahun
Anggaran FHUK secara pukal	RM11,024.55
Anggaran Faedah Orang Tanggungan (FOT)	RM2,457 sebulan

The figures above are illustrations only. The final amount payable will depend on PERKESO’s assessment, the employee’s contribution records, assumed wages, age and the applicable statutory calculation.

Temporary Disablement Benefit

The Temporary Disablement Benefit, also known as Faedah Hilang Upaya Sementara or FHUS, may be paid during a period of medical leave certified by the attending doctor.

Daily benefit: RM72.80 Certified medical leave: 15 days Estimated benefit: RM1,092.00

  PERKESO states that the certified medical leave must generally be for a period of not less than four days, including the day of the accident. The benefit may also be payable even where the employee attends work and continues receiving wages, subject to PERKESO’s conditions and approval. Source: PERKESO LINDUNG 24 Jam FAQ

Permanent Disablement Benefit

The Permanent Disablement Benefit, also known as Faedah Hilang Upaya Kekal or FHUK, may be payable when an accident causes permanent disablement. PERKESO’s Medical Board will assess the degree of disablement. The benefit calculation may take into account:

• The percentage of permanent disablement
• The employee’s assumed average wage
• The employee’s age
• The applicable age factor
• The relevant statutory benefit rate

Permanent disablement assessment: 3% Employee age: 30 years Estimated lump-sum benefit: RM11,024.55

  The final benefit is subject to the Medical Board’s assessment and PERKESO’s applicable calculation. Source: PERKESO LINDUNG 24 Jam FAQ

Dependants’ Benefit

If a covered non-employment accident results in the employee’s death, eligible dependants may receive ongoing financial support through the Dependants’ Benefit, also known as Faedah Orang Tanggungan or FOT.

Using the same RM4,550 assumed wage example: Estimated Dependants’ Benefit: RM2,457 per month

  The amount payable and the distribution between eligible dependants will be determined according to PERKESO’s rules. Eligible dependants may include a spouse, children, mother, father or other eligible family members, depending on the circumstances. Source: PERKESO LINDUNG 24 Jam FAQ

Medical and Rehabilitation Benefits

Employees covered under LINDUNG 24 Jam may receive medical treatment through PERKESO panel clinics or government clinics and hospitals. For more serious injuries, treatment may be provided at a government hospital. Specialist treatment may also be provided where necessary. Eligible rehabilitation support may include:

• Physiotherapy
• Occupational therapy
• Prosthetic and orthotic equipment
• Wheelchairs
• Crutches
• Hearing aids
• Spectacles
• Special footwear
• Vocational training
• Return to Work support

All treatment, reimbursement and rehabilitation support remain subject to PERKESO’s rates, conditions and approval. Source: PERKESO LINDUNG 24 Jam FAQ

Other Benefits Under LINDUNG 24 Jam

Constant-Attendance Allowance

An employee who is assessed as having total permanent disablement and requires the continuous assistance of another person may qualify for a Constant-Attendance Allowance. The allowance is subject to the recommendation of the Medical Board or Appellate Medical Board. The current stated allowance is RM500 per month. Source: PERKESO LINDUNG 24 Jam FAQ

Funeral Benefit

A Funeral Benefit of up to RM3,000 may be payable where an employee dies because of a covered non-employment injury or while receiving periodic Permanent Disablement Benefit payments. The payment is made to the eligible person or, in certain circumstances, to the person who paid the funeral expenses. Source: PERKESO LINDUNG 24 Jam FAQ

Education Benefit

An education benefit in the form of a loan may be available to an eligible dependant’s child where the insured employee dies or receives periodic Permanent Disablement Benefit payments. The application is subject to PERKESO’s terms and conditions. Source: PERKESO LINDUNG 24 Jam FAQ

Can You Claim LINDUNG 24 Jam If You Have Private Insurance?

Eligible employees may still receive LINDUNG 24 Jam benefits even when they have:

• A private Personal Accident policy
• A medical card
• Employer-provided medical insurance
• Other private insurance coverage

However, every private insurance claim remains subject to the terms, conditions, limits and exclusions of the relevant insurance policy. An employee cannot receive benefits from both PERKESO’s Employment Injury Scheme and LINDUNG 24 Jam for the same accident or disablement. The applicable PERKESO scheme will depend on whether the accident was related to the employee’s work. Source: PERKESO LINDUNG 24 Jam FAQ

Does LINDUNG 24 Jam Replace Personal Accident Insurance?

No. LINDUNG 24 Jam and private Personal Accident insurance serve different purposes.

 

LINDUNG 24 Jam

LINDUNG 24 Jam is a social security scheme administered by PERKESO. Contributions and benefits are determined according to legislation, prescribed wage bands, medical assessments and PERKESO’s applicable rules.

Private Personal Accident Insurance

Personal Accident insurance is a contractual insurance policy purchased from an insurer. Depending on the selected insurer and plan, a Personal Accident policy may provide benefits such as:

• Accidental death
• Permanent disablement
• Accident medical expenses
• Weekly income benefits
• Hospital cash allowance
• Fracture benefits
• Burns benefits
• Ambulance fees
• Additional optional benefits

The coverage amount, geographical limits, exclusions, benefit structure and policy conditions will differ between insurers and plans. For many Malaysians, LINDUNG 24 Jam and Personal Accident insurance should be viewed as complementary layers of protection rather than direct alternatives. LINDUNG 24 Jam provides statutory social security protection, while private Personal Accident insurance may provide additional contractual benefits and higher selected coverage amounts.

Should Employers Still Provide Group Personal Accident Insurance?

One question many employers are now asking is:

“If my employees are already contributing to LINDUNG 24 Jam, should my company still provide Group Personal Accident insurance?”

  For many businesses, the answer may still be yes. LINDUNG 24 Jam is funded through employee contributions and provides social security protection administered by PERKESO. A Group Personal Accident policy, on the other hand, is an additional employee benefit that an employer chooses to provide and fund for its employees. Rather than replacing LINDUNG 24 Jam, a Group Personal Accident policy can strengthen an organisation’s overall employee benefits package. Depending on the selected plan, it may provide predetermined insurance benefits for accidental death, permanent disablement, accident medical expenses and other covered events. For SMEs, Group Personal Accident insurance can also be one of the more accessible employee benefits that may make a meaningful difference when an accident occurs. Providing Group Personal Accident insurance may help employers demonstrate that the company genuinely cares about its employees’ wellbeing. It may also support:

• Employee morale
• Staff confidence
• Employee retention
• Recruitment efforts
• The organisation’s overall employee value proposition

Rather than viewing accident protection purely as an employee salary deduction, employers can consider Group Personal Accident insurance as an investment in their people. When employees know their employer has taken an additional step to protect them, it can create a stronger sense of care and security within the organisation. This is also how we provide additional accident protection for our own team at Amana.

Understanding Your Protection Before Making a Decision

LINDUNG 24 Jam is an important initiative that expands accident protection for employees outside working hours. However, like any protection scheme, it should be properly understood before an employee decides whether it is suitable for them. Employees should understand:

• What accidents are covered
• What accidents are excluded
• How contributions are calculated
• How benefits are assessed
• What private insurance protection they already have
• Whether their existing protection is sufficient

Employers should also consider whether a company-funded Group Personal Accident policy could complement the protection provided by LINDUNG 24 Jam. A well-structured Group Personal Accident policy may strengthen the company’s employee benefits programme while supporting staff morale and wellbeing. Understanding the differences allows both employees and employers to make more informed decisions about accident protection.

Frequently Asked Questions About PERKESO LINDUNG 24 Jam

Is LINDUNG 24 Jam voluntary?

Participation is voluntary for local Malaysian employees. It remains mandatory for foreign workers in accordance with the applicable legal provisions. Source: PERKESO source

What is the maximum LINDUNG 24 Jam contribution in 2026?

During Phase 1, the LINDUNG 24 Jam contribution for employees earning RM6,000 or more is RM44.65 per month under the current contribution schedule. Source: PERKESO source

Does LINDUNG 24 Jam cover illnesses?

LINDUNG 24 Jam is intended to cover eligible accidental injuries that are not related to employment. Conditions caused by illnesses such as diabetes, fever or high blood pressure are excluded under the current scheme information. Source: PERKESO source

Does LINDUNG 24 Jam cover accidents overseas?

No. Accidents occurring outside Malaysia are excluded under the current LINDUNG 24 Jam scheme information. Source: PERKESO source

Can I have both LINDUNG 24 Jam and Personal Accident insurance?

Yes. Eligible employees may receive LINDUNG 24 Jam benefits even where they have private insurance, a medical card or employer-provided medical coverage. Private insurance claims remain subject to the terms and conditions of the individual policy. Source: PERKESO source

Does LINDUNG 24 Jam cover accidents while working?

No. Accidents that arise out of and in the course of employment are generally handled under PERKESO’s Employment Injury Scheme rather than LINDUNG 24 Jam. Source: PERKESO source

How long does LINDUNG 24 Jam coverage continue?

PERKESO states that there is no specific age limit as long as the individual continues to maintain the status of an employed employee and meets the applicable scheme requirements. Source: PERKESO source

Need Assistance Understanding LINDUNG 24 Jam?

Visit Lindung24 by Amana at: lindung24.amana.com.my The platform was created to help Malaysians:

• Estimate their potential LINDUNG 24 Jam contribution
• Understand the available benefits
• Explore commonly asked questions
• Understand the current participation options
• Compare LINDUNG 24 Jam with private Personal Accident insurance
• Make a more informed decision about their accident protection

LINDUNG 24 Jam and Personal Accident insurance are not necessarily alternatives. They may provide different and complementary layers of protection.

Understand your options clearly before making your decision. Visit Lindung24 by Amana.

 

WhatsApp us about PA cover   Explore our cover

This guide is general information for Malaysians and not financial advice. Cover, wording and exclusions vary by insurer; confirm details before you rely on them.