🩺🛡️SOCSO: Introducing The New Skim Kemalangan Bukan Bencana Kerja (Lindung 24 Jam)
We are pleased to share an important update regarding your social security welfare. Effective 1 June 2026, the Social Security Organisation (SOCSO) is officially introducing a new mandatory policy: Skim Kemalangan Bukan Bencana Kerja (SKBBK), also known as Lindung 24 Jam.
Why Was It Introduced?
Previously, SOCSO only provided coverage for workplace injuries or accidents that happened during your daily work commute. With this new initiative, your protection is extended 24 hours a day, 7 days a week, covering you even during off-duty hours, weekends, and holidays.
What Is Covered?
This scheme covers accidents that are not related to work. For example:
Sports and Recreation: Employees get protection when they suffer injuries while playing football, badminton, jogging, or working out at the gym.
Accidents at Home: Similarly, the scheme also covers employees who fall from a ladder, slip in the bathroom, or suffer other injuries at home.
Road Accidents During Personal Activities: Furthermore, the scheme also covers accidents during weekend trips, personal travel, or any non-work journey. For example, an employee who gets into a road accident while picking up their child from school during lunch break may now get coverage, something that fell into a grey area before.
Natural Disasters: Finally, the scheme also includes accidents that floods, fires, or other disasters within Malaysia cause.
What Is NOT Covered?
Although the scheme is broad, it does not cover everything. Specifically, the following situations fall outside the scheme:
- Accidents that happen outside Malaysia.
- Natural deaths, intentional self-harm, and Illnesses such as diabetes, fever, or high blood pressure.
- Work-related accidents the existing Employment Injury Scheme already covers these.
- Foreign workers who misuse immigration passes or permits under the Immigration Act 1959/63 (Act 155).
- Self-employment injuries, Act 789 covers these instead.
- Domestic worker injuries, Act 838 covers these instead.
In all cases, PERKESO will still assess and approve each claim individually.
Who Is Eligible?
In general, the scheme covers all employees under the Employees’ Social Security Act 1969 (Act 4), including:
- Malaysian citizens
- Permanent Residents (PR)
- Expatriates and foreign workers
Importantly, the scheme has no age limit. As long as you remain employed, you get coverage.
What Is The Contribution Rates?
The employee will bear the full cost of the Lindung 24 Jam contribution, and it will increase gradually in three phases as follows:
| PHASE | PERIOD | EMPLOYEE CONTRIBUTION |
|---|---|---|
| Phase 1 | First 2 years (2026 – 2027) | 0.75% |
| Phase 2 | Next 3 years (2028 – 2030) | 1.00% |
| Phase 3 | 6th year onwards (2031 onwards) | 1.25% |
New SOCSO rates effective 1 June 2026:
| CRITERIA | SKIM BENCANA KERJA | SKIM BENCANA BUKAN KERJA | SKIM KEILATAN | TOTAL |
|---|---|---|---|---|
| Employer | 1.25% | – | 0.5% | 1.75% |
| Employee | – | 0.75% | 0.5% | 1.25% |
Importantly, employer contribution rates do not change.
What Are The Benefits?
The Lindung 24 Jam offers a wide range of coverage benefits for employees involved in accidents or facing injuries. Among the primary benefits provided are:
24/7 Protection: Round-the-clock coverage, including outside of working hours, during leave, or throughout daily commuting.
Faedah Perubatan: Covers medical treatment costs for accidents or illnesses covered under the scheme.
Faedah Hilang Upaya: FHUS (Faedah Hilang Upaya Sementara) & FHUK (Faedah Hilang Upaya Kekal)
Faedah Orang Tanggungan (FOT): Provides financial assistance to the families of employees involved in serious or fatal accidents.
Elaun Layanan Sentiasa (ELS): Provides an allowance throughout the recovery period for severe cases.
Faedah Pengurusan Mayat (FPM): Assists with funeral management arrangements and costs in the event of death.
Pemulihan dan Pendidikan: Coverage also includes physical rehabilitation programs and educational support for victims of serious injuries.
How To Make A Claim?
Report the Accident or Incident
- Immediately inform your employer and seek treatment at a hospital or clinic.
- Ensure you keep all medical reports and medical certificates (MC) for reference.
- If the incident involves a road accident, a police report and a sketch map are required.
Fill Out the Claim Form
- Claims can be filed using Form 34 (Accident Report) or other relevant forms, which can be downloaded from the PERKESO portal.
Prepare Supporting Documents
- Documents such as a copy of your identity card (IC), medical reports, medical certificates (MC), and the police report must be prepared.
Submit the Claim
- Claims can be submitted online through the PERKESO portal or delivered to the nearest PERKESO office.
Review and Payment
- Once the claim is received, PERKESO will verify eligibility and process the entitled payment.
What Is The Different Between Old SOCSO vs. New SOCSO
| CRITERIA | OLD SOCSO | NEW SOCSO |
|---|---|---|
| Scope of Coverage, Time & Location | Only covers work-related accidents and commuting injuries (Kemalangan Kerja & Perjalanan Kerja). | Covers 24/7 round-the-clock accidents, including those outside of working hours (24 Jam Termasuk Luar Waktu Bekerja). |
| Contribution Source | Paid entirely or mostly by the employer (Kebanyakan majikan carum). | Employees top up their own contributions to secure full personal time protection (Caruman mandotori tambahan dari pekerja). |
| Additional Employee Cost | No additional salary deduction or contribution required from the employee (Tiada tambahan caruman pekerja). | Mandatory phased employee deductions (Tambahan caruman pekerja): • 2026 – 2027: 0.75% • 2028 – 2030: 1.00% • 2031 onwards: 1.25% |
🔗 For more details, visit the official portal at PERKESO.
#PERKESO #SocialSecurity #EmployeeBenefits #MalaysiaPekerja #WorkersProtection
Source: https://www.perkeso.gov.my/skim-kemalangan-bukan-bencana-kerja-lindung-24-jam.html