| Situation<\/th> | Covered under<\/th> | Examples (scenario)<\/th><\/tr><\/thead> | |||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Work accident<\/td> | Employment Injury Scheme<\/td> | Injured operating machinery on the shop floor<\/td><\/tr> | |||||||||||||||||||||||||||
| Commuting accident<\/td> | Employment Injury Scheme<\/td> | A road accident on the usual route between home and work<\/td><\/tr> | |||||||||||||||||||||||||||
| At home<\/td> | Lindung 24 Jam<\/td> | A fall from a ladder, a kitchen injury, an electric shock during repairs<\/td><\/tr> | |||||||||||||||||||||||||||
| Personal road travel<\/td> | Lindung 24 Jam<\/td> | A car or motorcycle accident on a hometown or leisure trip<\/td><\/tr> | |||||||||||||||||||||||||||
| Sport and recreation<\/td> | Lindung 24 Jam<\/td> | A football, cycling, hiking, or gym injury<\/td><\/tr> | |||||||||||||||||||||||||||
| Daily errands and public places<\/td> | Lindung 24 Jam<\/td> | A slip at a shopping mall, wet market, or restaurant while off duty<\/td><\/tr> | |||||||||||||||||||||||||||
| Religious and cultural activity<\/td> | Lindung 24 Jam<\/td> | An accident at a mosque, temple, or church, or during a religious observance<\/td><\/tr> | |||||||||||||||||||||||||||
| Social and community occasions<\/td> | Lindung 24 Jam<\/td> | An injury at a wedding, feast, or family gathering<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n These are examples, not a closed list. Any accident that meets the three conditions is covered, whatever the setting, and the protection applies on rest days and public holidays as long as the employee is contributing that month.<\/p>\n\n\n\n The Benefits an Injured Employee Can Claim<\/h2>\n\n\n\n![\"\"](\"https:\/\/www.timeteccloud.com\/blog\/wp-content\/uploads\/2026\/07\/a106e4c8-5469-4b1b-8d6d-9d1cc8067541-1024x614.png\") <\/figure>\n Coverage matters only if the benefits behind it are real, and Lindung 24 Jam carries the full weight of PERKESO’s benefit structure rather than a reduced version of it. A covered employee can receive medical treatment at a PERKESO panel clinic or government hospital, temporary disablement benefit during certified sick leave, and permanent disablement benefit where the injury has a lasting effect. Where the injury leaves a person needing constant care, a constant-attendance allowance of RM500 a month applies.<\/p>\n<\/div><\/div>\n\n\n\n Physical and vocational rehabilitation, including Return to Work support, helps an employee recover and return to earning. If a covered accident is fatal, dependants’ benefit and a funeral benefit of RM3,000 support the family, and an education benefit is available to help a dependent child continue their studies. These are the same entitlements long available for workplace injuries, now applied to the part of life that was previously excluded.<\/p>\n\n\n\n What Lindung 24 Jam Does Not Cover<\/h2>\n\n\n\nThe exclusions are the part PERKESO defines precisely, so this is the hard boundary of the scheme. A claim will not hold in these situations, either because the accident belongs to another scheme or because it falls outside the scope entirely:<\/p>\n\n\n\n Coverage is automatic for employees already registered under Act 4, with no upper age limit as long as the person remains employed. The contribution is fully borne by the employee and starts at 0.75% of wages on the standard PERKESO salary bands, with the employer’s existing rate unchanged. Participation is mandatory for foreign workers and voluntary for Malaysian employees, which means the decision to keep or drop the coverage now sits with the individual.<\/p>\n\n\n\n That voluntary status is why clear communication matters, and the place an employee actually meets this scheme is the payslip. When the contribution is deducted correctly and shown as its own identified line, an employee can see the protection they are paying for. TimeTec Payroll<\/a> manages statutory contributions as separate configurable components per employee, so the scheme runs as mandatory for foreign workers, switches off cleanly for local employees who have opted out, and appears clearly on the payslip rather than as an unexplained deduction.<\/p>\n\n\n\n For the first time, Malaysian social security recognizes that a worker’s exposure to harm does not stop at the office door or the factory gate. For Malaysian employees, contributing is now a personal choice rather than an obligation, and it is a choice best made knowing exactly what the coverage protects. The workplace was never where most accidents happened. It was only ever the one place a worker was already covered.<\/p>\n<\/div> |
![\"\"](\"https:\/\/www.timeteccloud.com\/blog\/wp-content\/uploads\/2026\/07\/e13120cf-f4d4-4c54-bda6-1a47fceb5f1e-1024x614.png\")
<\/figure><\/div>\n\n\n\n