{"id":70512,"date":"2026-06-15T11:51:05","date_gmt":"2026-06-15T03:51:05","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=70512"},"modified":"2026-06-15T11:51:05","modified_gmt":"2026-06-15T03:51:05","slug":"socso-lindung-24-jam-coverage-malaysia","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/socso-lindung-24-jam-coverage-malaysia","title":{"rendered":"Your SOCSO Now Covers You 24\/7: Here\u2019s What Changed on 1 June 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Starting 1 June 2026, Malaysia\u2019s Social Security Organisation (PERKESO\/SOCSO) rolled out its most significant expansion in decades: the <\/span><b>Skim Kemalangan Bukan Bencana Kerja Lindung 24 Jam (SKBBK)<\/b><span style=\"font-weight: 400;\">, or simply <\/span><b>LINDUNG 24 Jam<\/b><span style=\"font-weight: 400;\">. So if you notice a new deduction on your next payslip, don\u2019t panic.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-is-SOCSOs-LINDUNG-24-Jam-scheme\"><\/span><b>What is SOCSO\u2019s LINDUNG 24 Jam scheme?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">LINDUNG 24 Jam is a new mandatory SOCSO scheme that gives employees round-the-clock accident protection, including for accidents that happen outside of working hours. Previously, SOCSO\u2019s accident coverage under the <\/span><a href=\"https:\/\/www.perkeso.gov.my\/en\/our-services\/employer-employee\/contributions.html\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">Employees\u2019 Social Security Act 1969<\/span><\/a><span style=\"font-weight: 400;\"> was largely limited to workplace incidents, occupational diseases, and commuting accidents. If you slipped at home on a Sunday or got into an accident at the gym, you were on your own. That gap is now closed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The scheme was passed by Parliament on 2 December 2025 as an amendment to the Employees\u2019 Social Security Act, and was officially gazetted by the Minister of Human Resources before taking effect on 1 June 2026.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who-is-covered-under-LINDUNG-24-Jam\"><\/span><b>Who is covered under LINDUNG 24 Jam?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Over 9 million formal sector workers registered under Act 4 (SOCSO) are automatically enrolled, no separate registration is required. According to Human Resources Minister Datuk Seri R. Ramanan, existing contributors are covered from day one, while new employees starting after 1 June 2026 will be enrolled through their employer\u2019s standard PERKESO registration process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Notably, only about 42% of Malaysian workers currently hold personal accident insurance, making this scheme a critical safety net for the majority who had no off-hours protection at all.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-does-LINDUNG-24-Jam-cover\"><\/span><b>What does LINDUNG 24 Jam cover?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to <\/span><a href=\"https:\/\/www.perkeso.gov.my\/en\/skim-kemalangan-bukan-bencana-kerja-lindung-24-jam.html\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">PERKESO\u2019s official scheme page<\/span><\/a><span style=\"font-weight: 400;\">, the scheme covers personal injury caused by accidents that are <\/span><b>not<\/b><span style=\"font-weight: 400;\"> related to employment \u2014 think weekend accidents, home injuries, and personal travel incidents within Malaysia. Benefits may include medical expenses, temporary disability allowances, and permanent disability compensation.<\/span><\/p>\n<h3><b>What it does NOT cover:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents outside Malaysia<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreign workers who have violated the conditions of their work passes<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How-much-does-LINDUNG-24-Jam-cost-employees\"><\/span><b>How much does LINDUNG 24 Jam cost employees?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This is the part that shows up on your payslip. The contribution is <\/span><b>fully borne by employees<\/b><span style=\"font-weight: 400;\">, employers do not share this cost. Rates are being phased in according to the <\/span><a href=\"https:\/\/www.perkeso.gov.my\/en\/rate-of-contribution.html\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">official PERKESO contribution schedule<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n\n<table id=\"tablepress-2110\" class=\"tablepress tablepress-id-2110\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Phase<\/strong><\/th><th class=\"column-2\"><strong>Period<\/strong><\/th><th class=\"column-3\"><strong>Employee Rate<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Phase 1<\/td><td class=\"column-2\">Years 1-2 (from June 2026)<\/td><td class=\"column-3\">0.75% of wages<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Phase 2<\/td><td class=\"column-2\">Years 3-5<\/td><td class=\"column-3\">1.00% of wages<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Phase 3<\/td><td class=\"column-2\">Year 6 onwards<\/td><td class=\"column-3\">1.25% of wages<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2110 from cache -->\n<p><span style=\"font-weight: 400;\">Contributions are capped at the existing <\/span><b>RM6,000 monthly wage ceiling<\/b><span style=\"font-weight: 400;\">, meaning the maximum deduction in Phase 1 is <\/span><b>RM45 per month<\/b><span style=\"font-weight: 400;\">. Employers are responsible for deducting and remitting the amount on behalf of employees.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Do-I-need-to-do-anything\"><\/span><b>Do I need to do anything?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">No action is required from existing SOCSO contributors. Enrolment is automatic. If you want to verify your coverage or check your contribution history, log in to <\/span><a href=\"https:\/\/www.perkeso.gov.my\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">perkeso.gov.my<\/span><\/a><span style=\"font-weight: 400;\"> or the MySS app. If you hold multiple jobs, you can designate one employer to handle LINDUNG 24 Jam contributions. Speak to your HR department to confirm this arrangement.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-this-means-for-your-finances\"><\/span><b>What this means for your finances<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">LINDUNG 24 Jam is a meaningful upgrade to Malaysia\u2019s worker protection floor, particularly for those without <\/span><a href=\"https:\/\/www.imoney.my\/articles\/personal-accident-insurance-malaysia\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">personal accident insurance<\/span><\/a><span style=\"font-weight: 400;\"> or a comprehensive<\/span><a href=\"https:\/\/www.imoney.my\/articles\/medical-card-malaysia\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\"> medical card<\/span><\/a><span style=\"font-weight: 400;\">. At RM45 or less per month, it\u2019s affordable coverage. That said, SOCSO is not a substitute for broader <\/span><a href=\"https:\/\/www.imoney.my\/articles\/life-insurance-malaysia\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">health and life insurance<\/span><\/a><span style=\"font-weight: 400;\">, it covers accidents only, not illness. If you\u2019ve been putting off reviewing your protection gap, now is a good time to <\/span><a href=\"https:\/\/www.imoney.my\/personal-accident-insurance\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">compare insurance plans<\/span><\/a><span style=\"font-weight: 400;\"> and ensure you\u2019re not underinsured.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"block\"><div><\/span><b>Find the Right Personal Financing for You<\/b><\/p>\n<p><span style=\"font-weight: 400;\">See what you qualify for in minutes. Compare rates and options across multiple providers, all in one place.<\/span><\/p>\n<p><a href=\"https:\/\/www.imoney.my\/imoney-pre-screening\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">\u2192 Check My Eligibility \u2192<\/span><\/a><span style=\"font-weight: 400;\"><\/div><\/div><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malaysia\u2019s SOCSO just got a major upgrade. The new LINDUNG 24 Jam scheme, effective 1 June 2026, extends accident protection beyond the workplace to over 9 million workers.<\/p>\n","protected":false},"author":1,"featured_media":70517,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[133,216,272,240],"tags":[363,3384,1107,982,357,3383],"class_list":["post-70512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-news-updates","category-personal-accident-insurance","category-retirement-planning","tag-insurance","tag-lindung-24-jam","tag-malaysia","tag-news","tag-perkeso","tag-sosco"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your SOCSO Now Covers You 24\/7: Here\u2019s What Changed on 1 June 2026<\/title>\n<meta name=\"description\" content=\"From 1 June 2026, over 9 million Malaysian workers are automatically enrolled in SOCSO\u2019s new LINDUNG 24 Jam scheme. 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