{"id":943,"date":"2026-06-22T06:40:00","date_gmt":"2026-06-22T06:40:00","guid":{"rendered":"https:\/\/smartouch.com.my\/post\/?p=943"},"modified":"2026-06-22T03:17:37","modified_gmt":"2026-06-22T03:17:37","slug":"slipped-at-home-how-perkeso-lindung-24-jam-covers-non-work-accidents","status":"publish","type":"post","link":"https:\/\/smartouch.com.my\/post\/slipped-at-home-how-perkeso-lindung-24-jam-covers-non-work-accidents\/","title":{"rendered":"Slipped at Home? How PERKESO LINDUNG 24 Jam Covers Non-Work Accidents"},"content":{"rendered":"\n

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 \u2014 including accidents that happen at home, during leisure activities, or anywhere outside of the workplace. This expanded protection, known as PERKESO LINDUNG 24 Jam<\/strong>, is one of the most important \u2014 and underappreciated \u2014 benefits available to covered employees in Malaysia.<\/p>\n\n\n\n

What Is PERKESO LINDUNG 24 Jam?<\/h2>\n\n\n\n
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 \u2014 including accidents at home, during recreational activities, or during personal travel \u2014 may be entitled to benefits previously only available for work-related injuries.<\/p>\n\n\n\n
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\u2019s 24-hour protection scheme may cover your medical treatment, temporary disablement allowance, and in severe cases, permanent disablement or death benefits.<\/p>\n\n\n\n
How Does It Differ from the Standard Employment Injury Scheme?<\/h2>\n\n\n\n
The original Employment Injury Scheme under the Employees\u2019 Social Security Act 1969 was designed specifically to cover injuries arising out of and in the course of employment \u2014 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.<\/p>\n\n\n\n
Coverage Type<\/th> Standard Employment Injury<\/th> LINDUNG 24 Jam<\/th><\/tr><\/thead>
Workplace accidents<\/td> \u2713 Covered<\/td> \u2713 Covered<\/td><\/tr>
Commuting accidents<\/td> \u2713 Covered<\/td> \u2713 Covered<\/td><\/tr>
Occupational diseases<\/td> \u2713 Covered<\/td> \u2713 Covered<\/td><\/tr>
Home accidents<\/td> \u2717 Not covered<\/td> \u2713 Covered<\/td><\/tr>
Recreational accidents<\/td> \u2717 Not covered<\/td> \u2713 Covered<\/td><\/tr>
Personal travel accidents<\/td> \u2717 Not covered<\/td> \u2713 Covered<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Who Is Eligible for PERKESO 24-Hour Protection?<\/h2>\n\n\n\n
Coverage under PERKESO\u2019s 24-hour scheme applies to employees who are already registered and contributing under the Employees\u2019 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.<\/p>\n\n\n\n
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 \u2014 including the 24-hour non-occupational accident coverage \u2014 without any additional premium.<\/p>\n\n\n\n
Types of Benefits Available<\/h2>\n\n\n\n
When a covered employee suffers a non-occupational accident that qualifies under LINDUNG 24 Jam, they may be entitled to the following benefits:<\/p>\n\n\n\n
Medical Benefit<\/h3>\n\n\n\n
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.<\/p>\n\n\n\n
Temporary Disablement Benefit<\/h3>\n\n\n\n
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\u2019s wages and is paid for the duration of the certified inability to work, up to a maximum period.<\/p>\n\n\n\n
Permanent Disablement Benefit<\/h3>\n\n\n\n
In cases where the injury results in permanent loss of function \u2014 such as loss of a limb, loss of sight, or other permanent impairments \u2014 PERKESO provides a permanent disablement pension or lump sum payment, depending on the assessed degree of disablement.<\/p>\n\n\n\n
Dependants\u2019 Benefit<\/h3>\n\n\n\n
Should a covered employee die as a result of a qualifying non-occupational accident, PERKESO provides dependants\u2019 benefit \u2014 a monthly pension paid to eligible dependants including the spouse, children, and in some cases, parents of the deceased.<\/p>\n\n\n\n
Constant Attendance Allowance<\/h3>\n\n\n\n
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.<\/p>\n\n\n\n
How to Make a Claim<\/h2>\n\n\n\n
The claims process for non-occupational accident benefits under PERKESO LINDUNG 24 Jam follows a structured procedure:<\/p>\n\n\n\n
\n
Seek medical treatment<\/strong> at a PERKESO panel clinic or hospital, or any registered medical facility in an emergency.<\/li>\n\n\n\n
Notify PERKESO<\/strong> of the accident and injury as soon as possible. Your employer may assist with this process.<\/li>\n\n\n\n
Submit the claim form<\/strong> (Form 34 or the relevant PERKESO form for non-occupational accidents) together with medical reports, police report (if applicable), and relevant supporting documents.<\/li>\n\n\n\n
PERKESO assessment<\/strong>: A PERKESO medical board will assess the nature and degree of disablement before approving benefits.<\/li>\n<\/ol>\n\n\n\n
What Employers Need to Know<\/h2>\n\n\n\n
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 \u2014 including the 24-hour non-occupational accident coverage \u2014 at no additional cost to them.<\/p>\n\n\n\n
Employers who fail to register employees or make contributions on time face penalties under the Employees\u2019 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.<\/p>\n\n\n\n
Conclusion<\/h2>\n\n\n\n
PERKESO LINDUNG 24 Jam is a powerful and often overlooked benefit that provides Malaysian employees with round-the-clock protection against personal accidents \u2014 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.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
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<\/p>\n\n\n\n
<\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"
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…<\/p>\n","protected":false},"author":1,"featured_media":635,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"jetpack_featured_media_url":"https:\/\/smartouch.com.my\/post\/wp-content\/uploads\/2026\/06\/24-hours.png","_links":{"self":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts\/943","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/comments?post=943"}],"version-history":[{"count":2,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts\/943\/revisions"}],"predecessor-version":[{"id":954,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts\/943\/revisions\/954"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/media\/635"}],"wp:attachment":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/media?parent=943"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/categories?post=943"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/tags?post=943"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

Coverage Type<\/th>	Standard Employment Injury<\/th>	LINDUNG 24 Jam<\/th><\/tr><\/thead>
Workplace accidents<\/td>	\u2713 Covered<\/td>	\u2713 Covered<\/td><\/tr>
Commuting accidents<\/td>	\u2713 Covered<\/td>	\u2713 Covered<\/td><\/tr>
Occupational diseases<\/td>	\u2713 Covered<\/td>	\u2713 Covered<\/td><\/tr>
Home accidents<\/td>	\u2717 Not covered<\/td>	\u2713 Covered<\/td><\/tr>
Recreational accidents<\/td>	\u2717 Not covered<\/td>	\u2713 Covered<\/td><\/tr>
Personal travel accidents<\/td>	\u2717 Not covered<\/td>	\u2713 Covered<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Who Is Eligible for PERKESO 24-Hour Protection?<\/h2>\n\n\n\n Coverage under PERKESO\u2019s 24-hour scheme applies to employees who are already registered and contributing under the Employees\u2019 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.<\/p>\n\n\n\n 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 \u2014 including the 24-hour non-occupational accident coverage \u2014 without any additional premium.<\/p>\n\n\n\n Types of Benefits Available<\/h2>\n\n\n\n When a covered employee suffers a non-occupational accident that qualifies under LINDUNG 24 Jam, they may be entitled to the following benefits:<\/p>\n\n\n\n Medical Benefit<\/h3>\n\n\n\n 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.<\/p>\n\n\n\n Temporary Disablement Benefit<\/h3>\n\n\n\n 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\u2019s wages and is paid for the duration of the certified inability to work, up to a maximum period.<\/p>\n\n\n\n Permanent Disablement Benefit<\/h3>\n\n\n\n In cases where the injury results in permanent loss of function \u2014 such as loss of a limb, loss of sight, or other permanent impairments \u2014 PERKESO provides a permanent disablement pension or lump sum payment, depending on the assessed degree of disablement.<\/p>\n\n\n\n Dependants\u2019 Benefit<\/h3>\n\n\n\n Should a covered employee die as a result of a qualifying non-occupational accident, PERKESO provides dependants\u2019 benefit \u2014 a monthly pension paid to eligible dependants including the spouse, children, and in some cases, parents of the deceased.<\/p>\n\n\n\n Constant Attendance Allowance<\/h3>\n\n\n\n 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.<\/p>\n\n\n\n How to Make a Claim<\/h2>\n\n\n\n The claims process for non-occupational accident benefits under PERKESO LINDUNG 24 Jam follows a structured procedure:<\/p>\n\n\n\n \n Seek medical treatment<\/strong> at a PERKESO panel clinic or hospital, or any registered medical facility in an emergency.<\/li>\n\n\n\n Notify PERKESO<\/strong> of the accident and injury as soon as possible. Your employer may assist with this process.<\/li>\n\n\n\n Submit the claim form<\/strong> (Form 34 or the relevant PERKESO form for non-occupational accidents) together with medical reports, police report (if applicable), and relevant supporting documents.<\/li>\n\n\n\n PERKESO assessment<\/strong>: A PERKESO medical board will assess the nature and degree of disablement before approving benefits.<\/li>\n<\/ol>\n\n\n\n What Employers Need to Know<\/h2>\n\n\n\n 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 \u2014 including the 24-hour non-occupational accident coverage \u2014 at no additional cost to them.<\/p>\n\n\n\n Employers who fail to register employees or make contributions on time face penalties under the Employees\u2019 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.<\/p>\n\n\n\n Conclusion<\/h2>\n\n\n\n PERKESO LINDUNG 24 Jam is a powerful and often overlooked benefit that provides Malaysian employees with round-the-clock protection against personal accidents \u2014 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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<\/p>\n\n\n\n <\/p>\n<\/body>","protected":false},"excerpt":{"rendered":" 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…<\/p>\n","protected":false},"author":1,"featured_media":635,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"jetpack_featured_media_url":"https:\/\/smartouch.com.my\/post\/wp-content\/uploads\/2026\/06\/24-hours.png","_links":{"self":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts\/943","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/comments?post=943"}],"version-history":[{"count":2,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts\/943\/revisions"}],"predecessor-version":[{"id":954,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/posts\/943\/revisions\/954"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/media\/635"}],"wp:attachment":[{"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/media?parent=943"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/categories?post=943"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartouch.com.my\/post\/wp-json\/wp\/v2\/tags?post=943"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

Types of Benefits Available<\/h2>\n\n\n\nWhen a covered employee suffers a non-occupational accident that qualifies under LINDUNG 24 Jam, they may be entitled to the following benefits:<\/p>\n\n\n\n

Medical Benefit<\/h3>\n\n\n\nPERKESO 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.<\/p>\n\n\n\n

Constant Attendance Allowance<\/h3>\n\n\n\nFor 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.<\/p>\n\n\n\n

Types of Benefits Available<\/h2>\n\n\n\n
When a covered employee suffers a non-occupational accident that qualifies under LINDUNG 24 Jam, they may be entitled to the following benefits:<\/p>\n\n\n\n

Medical Benefit<\/h3>\n\n\n\n
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.<\/p>\n\n\n\n

Constant Attendance Allowance<\/h3>\n\n\n\n
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.<\/p>\n\n\n\n