PERKESO LINDUNG 24 JAM Update: Local Employees Can Now Choose to Opt In or Opt Out
Last Updated: 13 July 2026
Malaysia's Ministry of Human Resources (KESUMA) and the Social Security Organisation (PERKESO) have announced an important update to the implementation of the LINDUNG 24 JAM, also known as the Skim Kemalangan Bukan Bencana Kerja (SKBBK).
Effective immediately:
✅ Local employees – Participation is voluntary
✅ Foreign employees – Participation remains mandatory
At the same time, PERKESO has launched an online portal that allows eligible local employees to decide whether they wish to participate in the scheme and submit their declaration electronically.
What Is LINDUNG 24 JAM?
LINDUNG 24 JAM (SKBBK) is a PERKESO social protection scheme that provides coverage for non-work-related accidents experienced by eligible employees outside of working hours.
Examples of situations that may fall under the scheme include:
Accidents at home
Road accidents unrelated to commuting to or from work
Weekend or personal activity accidents
Sports and recreational accidents
Other daily-life accidents outside the workplace
It is important to note that this scheme only covers non-work-related accidents.
Accidents arising out of employment or during commuting to and from work continue to be covered under PERKESO's Employment Injury Scheme (Skim Bencana Pekerjaan).
What Has Changed?
When LINDUNG 24 JAM was first introduced on 1 June 2026, participation was intended to apply to both local and foreign employees.
However, on 9 July 2026, the Ministry of Human Resources announced a policy revision.
Local Employees：
Participation is no longer compulsory.
Eligible local employees may now decide whether they wish to:
Continue participating in the scheme; or
Opt out of the scheme.
The decision is entirely voluntary based on the employee's own protection needs and financial considerations.
Foreign Employees：
There is no change for foreign employees.
Participation remains mandatory under the current regulations.
What Do Local Employees Need to Do?
PERKESO has opened an online self-service system for local employees to submit their participation decision.
✅ Option 1: Continue Participating
Select:
"SAYA MEMILIH UNTUK MENYERTAI"
If you are employed by more than one employer, you will also need to choose which employer will be responsible for the scheme contribution.
❌ Option 2: Opt Out
Select:
"SAYA MEMILIH UNTUK TIDAK MENYERTAI"
Employees who choose to opt out must complete the Borang Perakuan Pelepasan Liabiliti (Declaration of Release of Liability).
This declaration confirms that the employee understands they will no longer be entitled to claim benefits under the LINDUNG 24 JAM scheme for eligible non-work-related accidents.
How to Submit Your Choice Online
Step 1：
Visit the official PERKESO LINDUNG Faedah Portal:
https://lindungfaedah.perkeso.gov.my/auth/
Step 2：
First-time users should click:
Daftar Akaun (Register Account)
Prepare the following information:
Full Name
NRIC Number
Email Address
Password
Step 3：
Log in to your newly created account.
Step 4：
Go to the participation page and choose either:
✅ SAYA MEMILIH UNTUK MENYERTAI
or
❌ SAYA MEMILIH UNTUK TIDAK MENYERTAI
Step 5：
Carefully verify your information, including:
Personal details
NRIC number
Employer information
Participation status
Selected employer (if applicable)
Step 6：
Confirm and submit your declaration.
Step 7：
Download your Declaration Form after successful submission.
Make sure the declaration correctly reflects:
Your personal information
Employer information
Participation status
Submission date
Important Things to Know Before Submitting
According to PERKESO's current online process, your submitted declaration will be treated as your official decision.
Before clicking Submit, ensure all information is accurate.
Employees should understand that:
Participation provides additional protection for eligible non-work-related accidents.
Employees who opt out will no longer be covered under this scheme.
A Declaration of Release of Liability is required for those opting out.
Foreign employees are not eligible to opt out.
What Should Employers Do?
Although the participation decision is made by the employee, employers and HR teams still play an important role in ensuring proper implementation.
Employers should:
Inform employees about the latest policy update
Guide employees on using the official portal
Keep copies of employees' declarations
Update payroll records where necessary
Avoid incorrect deductions or omissions
Handle employees with multiple employers appropriately
Explain the implications of opting in or opting out
Employers should not make participation decisions on behalf of employees without a properly completed declaration.
What About Contributions Already Deducted?
Since the scheme was initially implemented in June 2026, some employers may have already made salary deductions based on the previous mandatory requirement.
For any adjustments relating to payroll, contribution handling, or implementation dates following an employee's opt-out, employers should follow PERKESO's latest instructions and future announcements.
HR and Payroll teams are advised not to make assumptions regarding refunds or deduction adjustments without official guidance.
Why Might Employees Still Consider Participating?
Although participation is now voluntary for local employees, the scheme continues to provide additional social protection outside normal working hours.
Potential benefits include:
Protection against eligible non-work-related accidents
Financial assistance for qualifying incidents
Additional protection beyond workplace accident coverage
Extra support for employees without personal accident insurance
Before deciding to opt out, employees should consider their existing insurance coverage, such as:
Medical Insurance
Personal Accident Insurance
Income Protection Plans
Personal financial commitments
Important Reminder for Employers and HR
This policy change does not mean employers can simply ignore the scheme.
Companies should continue to:
✅ Inform employees of the latest requirements
✅ Guide employees through the online submission process
✅ Keep proper documentation
✅ Update payroll procedures
✅ Differentiate between local and foreign employees
✅ Stay updated with future PERKESO announcements
Failure to maintain proper records or process payroll correctly could expose employers to unnecessary compliance risks.
Summary
The latest implementation can be summarised as follows:
Eligible local employees may submit their decision through PERKESO's official online portal from 13 July 2026 onwards.
Both employees and employers should understand the implications of participation before making any decision and ensure all records are properly maintained.
If your company requires assistance with Payroll, PERKESO compliance, statutory contributions, or HR advisory services, HBA Global Consultancy is here to help.
Disclaimer
This article is intended for general informational purposes only and should not be considered legal, HR, insurance, or professional compliance advice. Policies, procedures, and implementation mechanisms may change based on future announcements by the Ministry of Human Resources (KESUMA) or PERKESO. Employers and employees should always refer to the latest official guidelines before making any decisions.