Skim LINDUNG 24 JAM Malaysia: What Employees Need to Know About the New SOCSO Protection Scheme 

Malaysia’s social protection system is set to expand further with the introduction of Skim Kemalangan Bencana Bukan Pekerjaan (LINDUNG 24 JAM) under PERKESO (SOCSO). Starting from June 2026, eligible employees in Malaysia will receive enhanced 24-hour accident protection coverage, including accidents that occur outside working hours and are unrelated to employment duties.

This new initiative aims to strengthen employee welfare by providing broader financial and medical protection beyond traditional workplace accident coverage. As a result, employees may notice slightly higher SOCSO deductions due to the mandatory implementation of this scheme.

Key Features of Skim LINDUNG 24 JAM

• 24-hour accident protection coverage

• Coverage for non-work-related accidents

• Medical treatment costs financed by PERKESO

• Mandatory contribution scheme for eligible employees

• Additional social protection for employees in Malaysia

What Does Skim LINDUNG 24 JAM Cover?

One of the main highlights of the scheme is its comprehensive protection for accidents unrelated to work.

Examples of Covered Accidents

Sports and Recreational Accidents

Employees are protected during sports or recreational activities such as:

• Football

• Badminton

• Jogging

• Gym activities

Domestic Accidents

Coverage also includes accidents occurring at home, for example:

• Falling from a ladder

• Slipping in the bathroom

• Household-related injuries

Road Accidents During Personal Activities

Employees are protected during:

• Weekend trips

• Personal travel

• Non-work-related road accidents

Natural Disasters

The scheme may also protect accidents caused by:

• Floods

• Fires

• Other disasters occurring within Malaysia

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What Is NOT Covered Under the Scheme?

Although the scheme provides extensive protection, several exclusions apply.

Exclusions Under Skim LINDUNG 24 JAM

The following situations are not covered:

• Accidents occurring outside Malaysia

• Insured Persons (OB) who are foreign workers who misuse valid passes or permits issued by the Director General of Immigration or violate any conditions of entry under the Immigration Act 1959 / 63 [Act 155]

• Self-employment injuries are covered under Act 789

• Domestic employment injuries are covered under Act 838

• Medical conditions caused by illnesses such as:

  • Diabetes

  • Fever

  • High blood pressure

  • Other non-accidental health conditions

Employees should understand that the scheme specifically focuses on accident-related protection rather than general illness coverage.


Who Is Eligible for Skim LINDUNG 24 JAM?

The scheme applies to a broad group of workers in Malaysia.

Eligible Individuals

• Malaysian citizens

• Permanent Residents (PR)

• Expatriates

Age Limit

Eligible employees must be:

• Up to 60 years old

This initiative aims to ensure wider workforce protection across multiple industries and employment categories.


Contribution Rates and New SOCSO Deductions Starting June 2026

Under the implementation of LINDUNG 24 JAM, SOCSO contribution deductions will gradually increase starting from June 2026.

Importantly:

• The scheme is mandatory

• Contributions are fully borne by employees

• Employers are responsible for making payments on behalf of employees during employment

Contribution Rate Table

In short, employees in Malaysia may notice slightly higher SOCSO deductions beginning June 2026 due to the mandatory implementation of Skim LINDUNG 24 JAM.


Conclusion

Skim Kemalangan Bencana Bukan Pekerjaan (LINDUNG 24 JAM) marks an important enhancement to Malaysia’s social security system. By offering 24-hour protection for non-work-related accidents, the scheme aims to provide better financial and medical support for employees across the country.

Although employees may experience slightly higher SOCSO deductions from June 2026 onwards, the additional protection and broader accident coverage offer significant long-term benefits.

Employees and employers alike are encouraged to stay informed about the latest PERKESO updates and understand how the implementation of LINDUNG 24 JAM may affect their contributions and protection coverage in the future.

 

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References

• PERKESO (SOCSO Malaysia) – Official Social Security Information
• Malaysia Immigration Act 1959/63 [Act 155]
• Malaysia Digital Economy & Social Protection Updates – Official Government Portal