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Lindung 24 Jam: should you opt in or opt out?

By the KiraDuit editorial team · Last reviewed

An interactive self-check for Malaysian employees weighing PERKESO’s 24-hour non-work accident scheme (SKBBK). Answer nine questions about your situation and get a reasoned recommendation - plus the exact deduction from your pay.

Action needed by 31 August 2026

Lindung 24 Jam: should you opt in or opt out?

PERKESO’s 24-hour accident scheme is now voluntary for Malaysian employees. Do nothing and you stay enrolled - and keep paying. Answer nine questions to see which way your situation leans, and what it costs you a month.

Check my decision

The scheme in 60 seconds

Lindung 24 Jam - officially SKBBK (Skim Kemalangan Bukan Bencana Kerja) - extends SOCSO protection to accidents that happen outside work: at home, on the road, or during sport, 24 hours a day, anywhere in Malaysia. It is paid for entirely by employees.

Who paysEmployee onlyyour employer just deducts and remits it
Contribution now0.75% of wagesabout RM13 to RM45 a month
Wage ceilingRM6,000 a month
Status for localsVoluntarysince 8 July 2026
Foreign workersStill mandatory
Opt-out deadline31 August 2026

Doing nothing keeps you in. If you do not submit an opt-out declaration by 31 August 2026, you automatically continue contributing. Contributions already made while the scheme was mandatory are not refundable.

What you get for the money - the benefits

SKBBK benefits mirror SOCSO’s Employment Injury Scheme, but for non-work accidents:

  • Medical benefit - treatment at PERKESO panel or government clinics and hospitals until you recover.
  • Temporary disablement - 80% of your assumed daily wage while on accident-related MC of 4 days or more (minimum RM30, maximum RM158.67 a day).
  • Permanent disablement - up to 90% of assumed daily wage (minimum RM30, maximum RM178.50 a day).
  • Constant-attendance allowance - RM500 a month if you need someone’s constant care.
  • Dependants’ benefit - if you die, a pension of 90% of daily wage split among dependants.
  • Funeral benefit - RM3,000, or the actual cost if lower.
  • Education benefit - a loan for a dependent child’s studies.
  • Rehabilitation - physiotherapy, occupational therapy, prosthetics and return-to-work support.
What it does not cover
  • Illnesses - cancer, heart disease, diabetes and the like. It is accidents only.
  • Work accidents and commuting - already covered by the existing Employment Injury Scheme.
  • Accidents outside Malaysia.
  • Income replacement is capped by the RM6,000 wage ceiling, so higher earners are under-covered relative to their salary.
What it costs over time, and the key dates
  • Phase 1 (2026-2027) - 0.75% of wages, up to RM 44.65 a month at the ceiling.
  • Phase 2 (2028-2030) - 1.00% of wages, up to RM 59.50 a month at the ceiling.
  • Phase 3 (2031 onward) - 1.25% of wages, up to RM 74.40 a month at the ceiling.

Exact deductions follow PERKESO’s wage-band table rather than a flat percentage, so your payslip may differ by a few sen. Employees aged 60 and above contribute too.

1 June 2026 - scheme launches, mandatory for all eligible employees.
8 July 2026 - Cabinet makes it voluntary for local employees, with immediate effect.
13 July 2026 - the online opt-out declaration goes live on the PERKESO portal.
16 July 2026 - an updated form lets people switch from opt-out back to opt-in.
31 August 2026 Deadline - last day to opt out. No action means you stay in.
How to opt out, and whether you can rejoin
  • Log in to the PERKESO LINDUNG Faedah portal with your NRIC and email.
  • Start a new application and choose Tidak Menyertai (do not participate), then tick the declaration.
  • Confirm and sign the Liability Release Declaration - it is legally binding under the Employees’ Social Security Act 1969.
  • Download your confirmation and tell HR or payroll to stop the deduction. Your employer cannot opt out on your behalf, but must stop deducting once notified.

Rejoining: you can switch back to opt-in later. But once you rejoin, the sekali layak, terus layak (once eligible, always eligible) rule applies - there is no documented way to opt out again after that.

First - your status

This decides whether you even have a choice.

Your situation

Pick the answer closest to your reality. We show how each one leans once you have chosen, so the tags cannot steer your answer.

0 / 9 answered
01Do you already have personal-accident (PA) cover that pays out for non-work accidents 24/7 - your own policy or a group PA plan from your employer?

Think about accident payouts specifically, not a medical card or life insurance.

02Does anyone depend financially on your income?

Spouse, children, elderly parents - anyone who would struggle without your earnings.

03If a non-work accident stopped you working for 2-3 months, how would you cope financially?

This is about income replacement while you cannot earn.

04How would you describe your day-to-day accident exposure?

Riding a motorcycle, lots of driving, active sports and physical hobbies all raise it.

05The cost is about RM13-RM45 a month now, rising toward RM60 then RM75 a month at the salary ceiling by 2031. How does that sit with you?

It is an employee-only deduction from your pay.

06How much do you value the specific benefits - free treatment until recovery, daily income while on MC, up to 90% wage replacement for permanent disability, a RM500/month attendance allowance, RM3,000 funeral benefit, a lifetime dependants pension and an education loan for your child?
07The scheme has real limits: accidents only (no illnesses), Malaysia only, and payouts capped by the RM6,000 wage ceiling. Given that...
08Do you value a government-backed scheme with guaranteed acceptance - no medical check-up, no underwriting, non-profit - over choosing your own private policy?

Guaranteed acceptance matters most if private cover is pricey for you or you have health conditions.

09On timing: doing nothing keeps you IN. You can opt out now and rejoin later, but once you rejoin you generally cannot leave again. Which fits you?

Please choose your status and answer all 9 questions first.

Your exact monthly deduction

Enter your monthly gross wage to see what Lindung 24 Jam takes from your pay, now and in the later phases. Contributions are capped at the RM6,000 wage ceiling.

Your salary is above the RM6,000 ceiling, so the contribution is capped and stays at the maximum.

Your Phase 1 deduction now
RM 22.15 a month
about 0.74% of your monthly pay, or RM 265.80 a year
PhaseRateMonthlyAnnual
Phase 1 (2026-2027)0.75%RM 22.15RM 265.80
Phase 2 (2028-2030)1.00%RM 29.50RM 354.00
Phase 3 (2031 onward)1.25%RM 36.90RM 442.80

This is the extra Lindung 24 Jam deduction only - it sits on top of your existing SOCSO contribution. PERKESO applies it on wage bands, so your payslip may differ by a few sen. Opting out sets all of this to RM0.

Frequently asked questions

Is Lindung 24 Jam compulsory in Malaysia?
Not any more for local employees. It launched as mandatory on 1 June 2026, but the Cabinet made it voluntary for Malaysian citizens and permanent residents on 8 July 2026. It remains mandatory for foreign workers.
What happens if I do nothing before 31 August 2026?
You stay enrolled and contributions continue automatically. Opting out requires you to submit a Liability Release Declaration on the PERKESO LINDUNG Faedah portal before the deadline.
How much does Lindung 24 Jam cost?
It is paid entirely by the employee at 0.75% of wages in Phase 1 (2026-2027), capped at a RM6,000 monthly wage ceiling - a maximum of RM44.65 a month. The rate rises to 1.00% from 2028 and 1.25% from 2031.
What does the scheme not cover?
Illnesses are excluded - it covers accidents only. Work accidents and commuting are already covered by the existing Employment Injury Scheme, accidents outside Malaysia are not covered, and income replacement is capped by the RM6,000 wage ceiling.
Can I rejoin after opting out?
Yes, you can switch back to opt-in later. But once you rejoin, the "sekali layak, terus layak" (once eligible, always eligible) rule applies and there is no documented way to opt out again.

Sources & last reviewed

Figures on this page were last reviewed on against official Malaysian sources for YA 2025. Always confirm the current figure at the source before acting:

Reviewed by the KiraDuit editorial team.

This tool is an educational self-assessment aid, not financial, insurance or legal advice. It weighs your own answers to suggest a leaning - it does not know your full circumstances. Scheme rules, rates and deadlines can change; verify anything before acting with PERKESO on 1-300-22-8000 or at the LINDUNG Faedah portal. Everything on this page runs in your browser - none of your answers leave your device.