Most Malaysians are aware that PERKESO (Pertubuhan Keselamatan Sosial) provides protection for workplace injuries and occupational diseases. What many employees do not realise is that PERKESO has significantly expanded its coverage to protect workers round the clock — including accidents that happen at home, during leisure activities, or anywhere outside of the workplace. This expanded protection, known as PERKESO LINDUNG 24 Jam, is one of the most important — and underappreciated — benefits available to covered employees in Malaysia.
What Is PERKESO LINDUNG 24 Jam?
PERKESO LINDUNG 24 Jam refers to the 24-hour personal accident protection extended under the Employment Injury Scheme administered by PERKESO. Under this expanded coverage, employees who suffer from accidents outside of working hours — including accidents at home, during recreational activities, or during personal travel — may be entitled to benefits previously only available for work-related injuries.
This means that if you slip on a wet bathroom floor at home, fall while jogging in the park, or sustain an injury during a weekend family outing, PERKESO’s 24-hour protection scheme may cover your medical treatment, temporary disablement allowance, and in severe cases, permanent disablement or death benefits.
How Does It Differ from the Standard Employment Injury Scheme?
The original Employment Injury Scheme under the Employees’ Social Security Act 1969 was designed specifically to cover injuries arising out of and in the course of employment — meaning accidents that occur at the workplace or while commuting to and from work. The 24-hour protection extends this to non-occupational personal accidents, giving workers a much broader safety net.
| Coverage Type | Standard Employment Injury | LINDUNG 24 Jam |
|---|---|---|
| Workplace accidents | ✓ Covered | ✓ Covered |
| Commuting accidents | ✓ Covered | ✓ Covered |
| Occupational diseases | ✓ Covered | ✓ Covered |
| Home accidents | ✗ Not covered | ✓ Covered |
| Recreational accidents | ✗ Not covered | ✓ Covered |
| Personal travel accidents | ✗ Not covered | ✓ Covered |
Who Is Eligible for PERKESO 24-Hour Protection?
Coverage under PERKESO’s 24-hour scheme applies to employees who are already registered and contributing under the Employees’ Social Security Act 1969. This includes employees in the private sector earning below the statutory threshold, as well as those covered under the expanded contribution framework.
Employers contribute to PERKESO on behalf of their employees each month. As long as contributions are active and up to date, the employee enjoys the full scope of protections — including the 24-hour non-occupational accident coverage — without any additional premium.
Types of Benefits Available
When a covered employee suffers a non-occupational accident that qualifies under LINDUNG 24 Jam, they may be entitled to the following benefits:
Medical Benefit
PERKESO covers the cost of medical treatment, hospitalisation, surgery, and rehabilitation for injuries sustained in qualifying accidents. Employees can receive treatment at PERKESO panel hospitals or claim reimbursement for approved treatment costs.
Temporary Disablement Benefit
If the injured employee is unable to work while recovering, PERKESO pays a temporary disablement allowance. This is calculated as a daily rate based on the employee’s wages and is paid for the duration of the certified inability to work, up to a maximum period.
Permanent Disablement Benefit
In cases where the injury results in permanent loss of function — such as loss of a limb, loss of sight, or other permanent impairments — PERKESO provides a permanent disablement pension or lump sum payment, depending on the assessed degree of disablement.
Dependants’ Benefit
Should a covered employee die as a result of a qualifying non-occupational accident, PERKESO provides dependants’ benefit — a monthly pension paid to eligible dependants including the spouse, children, and in some cases, parents of the deceased.
Constant Attendance Allowance
For employees who are so severely injured that they require constant attendance and care from another person, PERKESO provides an additional constant attendance allowance on top of the permanent disablement benefit.
How to Make a Claim
The claims process for non-occupational accident benefits under PERKESO LINDUNG 24 Jam follows a structured procedure:
- Seek medical treatment at a PERKESO panel clinic or hospital, or any registered medical facility in an emergency.
- Notify PERKESO of the accident and injury as soon as possible. Your employer may assist with this process.
- Submit the claim form (Form 34 or the relevant PERKESO form for non-occupational accidents) together with medical reports, police report (if applicable), and relevant supporting documents.
- PERKESO assessment: A PERKESO medical board will assess the nature and degree of disablement before approving benefits.
What Employers Need to Know
As an employer in Malaysia, it is your legal obligation to register your employees with PERKESO and make the required monthly contributions. By doing so, you are not only fulfilling your statutory duty but also ensuring that your employees have access to comprehensive protection — including the 24-hour non-occupational accident coverage — at no additional cost to them.
Employers who fail to register employees or make contributions on time face penalties under the Employees’ Social Security Act. More importantly, employees left unregistered lose out on valuable protections that could make a critical difference in their lives following an unexpected accident.
Conclusion
PERKESO LINDUNG 24 Jam is a powerful and often overlooked benefit that provides Malaysian employees with round-the-clock protection against personal accidents — whether at work, at home, or anywhere in between. Understanding this coverage helps both employees and employers make the most of the PERKESO system and ensures that no one is left without support following an unexpected injury.
If you are an employer looking to ensure full PERKESO compliance and maximise HR efficiency, Smartouch offers integrated HR and payroll solutions that help you manage contributions, track employee benefits, and stay compliant with Malaysian labour regulations.
Smart Touch technology pte ltd , www.smartouch.com.sg +65-63964767, sales@smartouch.com.sg , www.smartouch.com.my +607-3889903 sales@smartouch.com.my