LINDUNG 24 Jam vs PA: Keep or Opt Out? (2026)

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Price range: RM

Policy update (as of 11 July 2026): LINDUNG 24 Jam took effect on 1 June 2026. The Cabinet’s decision was announced by a government spokesperson on 8 July, effective immediately; the Ministry of Human Resources then confirmed on 9 July: local employees now participate on an opt-out basis, while foreign employees remain mandatory.
Local employees can apply to opt out from 13 July 2026.
If you do nothing, existing contributions and coverage continue.
There is currently no confirmed re-entry mechanism; you may not be able to resume coverage after opting out.
Employees who remain enrolled should also note that accidents occurring after 15 July 2026 may not be covered if there is no contribution record or proof of payment.
The actual process and follow-up arrangements may still be updated. This article will be revised when official information changes.

Table of Contents

Bottom line first
What is LINDUNG 24 Jam?
What is Personal Accident Insurance (PA)?
How does LINDUNG 24 Jam differ from PA?
How much is the contribution, exactly?
Where LINDUNG 24 Jam gets underrated: it’s not just a death benefit
Where PA still does something LINDUNG 24 Jam can’t fully replace
Three common misconceptions
Who should seriously consider keeping LINDUNG 24 Jam?
Who can reasonably consider opting out?
A simple example
Before you opt out: a checklist
Frequently asked questions
The bottom line
Sources and verification notes

Bottom line first

LINDUNG 24 Jam and Personal Accident Insurance (PA) both provide accident coverage, but they are not the same thing — and you shouldn’t decide based on “which one has the cheaper premium” alone.

LINDUNG 24 Jam is PERKESO’s social security scheme, focused on medical arrangements after an accident, income replacement, long-term disability and dependants’ support, plus rehabilitation and return to work.
Private PA is a commercial insurance or accident takaful product, typically paying a fixed sum you’ve purchased for accidental death or permanent disability, possibly with medical expenses, hospital income or other benefits attached; the actual coverage depends on the policy.

So the better question isn’t:

“Which one is better?”

but:

“If an accident leaves me temporarily unable to work, permanently disabled, or worse — what gap would my current coverage leave?”

For some people, the two can complement each other. Already having PA doesn’t mean LINDUNG 24 Jam has no value; keeping LINDUNG 24 Jam doesn’t mean you definitely don’t need PA.

What Is LINDUNG 24 Jam?

The official name of LINDUNG 24 Jam is Skim Kemalangan Bukan Bencana Kerja (Non-Workplace Accident Scheme).

Previously, PERKESO’s Skim Bencana Pekerjaan mainly covered accidents during work and on qualifying commutes. LINDUNG 24 Jam fills the gap for non-work accidents, such as:

falling at home;
getting injured playing sports on the weekend;
a road accident during a personal trip;
getting injured doing non-income-generating home repairs;
other personal accidents within Malaysia that are unrelated to work.

It doesn’t mean “anything that happens, anytime, is covered.” Illness, work-related accidents, accidents that happen outside Malaysia, and other exclusions listed officially do not fall under this scheme.

What Is Personal Accident Insurance (PA)?

PA is commercial insurance offered by private insurance companies; if it’s a takaful product, it’s offered by a takaful operator.

It’s usually based on a fixed sum insured stated in the policy, and coverage may include:

accidental death;
permanent disability caused by an accident;
accident-related medical expenses;
daily hospital income;
ambulance fees, fracture benefits or other add-ons.

That said, not every PA policy is the same.

Some offer worldwide coverage, others cover only specific regions; some include motorcycle accidents or extreme sports, others exclude them; some have low medical coverage limits, others have higher ones.

Before comparing, you must check your own Product Disclosure Sheet, policy contract, schedule of benefits (the table listing each payout limit), and exclusions (situations the policy explicitly does not cover) — don’t judge a product by its name alone.

How Does LINDUNG 24 Jam Differ From PA?

Nature and Contributions

Comparison	LINDUNG 24 Jam	Private PA / accident takaful
Nature	PERKESO social security scheme	Commercial insurance or takaful product
Local employee participation	Opt-out basis, but currently defaults to keeping you enrolled: if you do nothing, contributions and coverage continue; those who don’t want to participate must file a Perakuan Pelepasan Liabiliti (Liability Release Declaration) to opt out	Voluntary purchase
Foreign employee participation	Still mandatory	Voluntary purchase
Who pays	Borne by the employee, deducted and remitted by the employer	Paid by the policyholder as premium or takaful contribution
Current contribution rate	0.75% of wages in the first phase, subject to an RM6,000 wage ceiling; the official contribution schedule lists the actual amount by wage bracket	Depends on age, occupation, sum insured, scope of coverage and product
Coverage location	Within Malaysia	Depends on the policy; some PA plans offer worldwide coverage — it varies

Coverage and Benefits

Comparison	LINDUNG 24 Jam	Private PA / accident takaful
Workplace accidents	Not covered under this scheme; handled by the existing workplace accident scheme	Whether included depends on the policy terms
Non-workplace accidents	Core coverage	Usually core coverage, but check the definitions and exclusions
Temporary inability to work	May provide a temporary loss-of-earning-capacity allowance; the medically certified sick leave must be at least 4 days (including the day of the accident)	Some PA plans have temporary disability or income benefits, but this isn’t standard
Permanent disability	Calculated based on medical assessment, wages, age and other factors	Usually paid based on a fixed sum insured and a disability percentage table
Accidental death	May provide a dependants’ allowance to eligible family members; there’s also an education loan benefit that eligible insured persons’ children can apply for, subject to PERKESO’s terms	Usually pays a fixed accidental death sum to the nominee or legal beneficiary
Medical coverage	Eligible treatment at PERKESO panel clinics or government clinics/hospitals; private treatment reimbursement is subject to PERKESO’s prescribed rates	Based on the accident medical limit, conditions and reimbursement method stated in the policy
Rehabilitation	Includes eligible physical, occupational rehabilitation and Return to Work support	Whether it’s offered, and to what extent, depends on the policy
Attendance allowance	RM500 a month for those who meet the permanent total disability and medical assessment criteria	Depends on the policy
Funeral benefit	A fixed RM3,000 paid to eligible family members (spouse, children, parents); if there are no eligible family members, it’s paid to whoever arranged the funeral based on actual costs, up to RM3,000	Depends on the benefits listed in the policy
Age	No age cap as long as you remain an employed employee, according to the official FAQ	Usually has age limits for buying and renewing
Can I still claim if I have private insurance?	Yes; eligible individuals don’t lose LINDUNG 24 Jam eligibility just because they already have private insurance or employer medical coverage	Whether you can claim on both depends on the nature of the benefit, policy terms and actual loss — don’t assume every item can be claimed twice

How Much Is the Contribution, Exactly?

The first-phase contribution rate is currently 0.75% of wages, subject to an RM6,000 wage ceiling. The actual deduction follows PERKESO’s statutory wage bracket table, and won’t necessarily equal exactly 0.75% of your wage multiplied directly.

As a rough budgeting guide:

Monthly wage	Simple 0.75% estimate	Note
RM2,000	RM15.00	Actual amount follows PERKESO’s wage bracket table
RM3,000	RM22.50	Actual amount follows PERKESO’s wage bracket table
RM4,000	RM30.00	Actual amount follows PERKESO’s wage bracket table
RM6,000 or above	Up to approx. RM45.00	Subject to the RM6,000 wage ceiling and the official contribution schedule

The original phased rate schedule was:

1 June 2026 to 31 May 2028: 0.75%;
1 June 2028 to 31 May 2031: 1.00%;
From 1 June 2031: 1.25%.

However, the government has already changed local employee participation to opt-out, and plans to review the implementation mechanism, policy direction and funding sustainability by the end of 2026. So future rates and implementation should still be based on the latest official announcement at the time.

Where LINDUNG 24 Jam Gets Underrated: It’s Not Just a Death Benefit

Many people, when comparing it with PA, only look at “how much it pays for accidental death.” That misses what actually makes it different.

1. Income Replacement While Temporarily Unable to Work

If an accident results in a doctor issuing at least 4 days of medical leave, including the day of the accident, eligible individuals can apply for the temporary loss-of-earning-capacity allowance.

Because the official position is that LINDUNG 24 Jam’s benefits align with the existing workplace injury scheme, the calculation method references that scheme.

The relevant daily rate is based on 80% of the “average assumed daily wage” PERKESO sets by wage bracket, subject to the minimum and maximum limits applicable at the time. Actual eligibility and calculation should be confirmed by PERKESO.

The official FAQ also states that even if the employee continues working and drawing wages during this period, the eligible temporary loss-of-earning-capacity allowance will still be paid.

Many basic PA plans mainly pay out for accidental death or permanent disability, and won’t necessarily replace your income every month just because you’re recovering for two months.

2. Continued Support After Long-Term Disability

Permanent disability benefits go through a Medical Board assessment and are handled based on the degree of disability, wages, age and other factors.

Following the existing Employment Injury Scheme practice (which LINDUNG 24 Jam’s benefits align with): assessments of 20% or below can be taken as a lump sum; those above 20% are mainly paid periodically, with the insured able to choose to convert one-fifth of it into a lump sum. Actual terms follow PERKESO’s assessment and the rules in force at the time.

PA usually uses a different logic: the sum insured multiplied by the percentage in the policy’s disability table.

Both designs serve a purpose. One is closer to social security and ongoing income; the other lets you pre-select a fixed sum insured.

3. Rehabilitation and Return to Work

LINDUNG 24 Jam can include physiotherapy, occupational therapy, prosthetics, wheelchairs and other eligible occupational rehabilitation support.

For a serious accident, what’s really expensive isn’t just the first hospital admission — it’s whether you can regain the ability to live independently and return to work afterward, and how your family gets through that period.

Where PA Still Does Something LINDUNG 24 Jam Can’t Fully Replace

1. You Can Choose Your Own Fixed Sum Insured

If you have a mortgage, children or ageing parents, wage-linked social security benefits alone may not be enough to cover your family’s needs.

PA lets you buy a clearer, larger sum insured for accidental death or permanent disability based on your needs. For example, you can work out:

how much your family needs each month to live;
how much mortgage or other debt is left;
how many years of buffer your family would need if you could never work again;
whether your existing life insurance, employer coverage and emergency fund are enough.

2. Broader Geographic Coverage

LINDUNG 24 Jam doesn’t cover accidents that happen outside Malaysia.

If you travel overseas often, a PA plan with worldwide coverage, or travel insurance, may fill this gap — but you still need to confirm the region, duration of stay, activities and mode of transport covered.

3. Some Products Offer Extra Benefits

Private PA may offer fracture benefits, daily hospital income, accident medical expenses, ambulance fees or other add-ons.

Not every PA has these, and it’s not always worth paying a higher premium for the add-ons. What matters is whether it solves a real risk of yours — not how many benefit line items it appears to have.

Three Common Misconceptions

Misconception 1: Having a medical card means you don’t need LINDUNG 24 Jam or PA

A medical card mainly handles eligible hospitalisation and medical expenses.

It usually won’t pay off your mortgage for you, won’t automatically replace months of lost income, and is not the same as an adequate lump sum for accidental death or permanent disability.

Misconception 2: Having one means the other is definitely useless

The insured events may overlap, but the payout structures aren’t identical.

Someone’s PA might have a high accidental death sum insured, but no temporary disability income benefit, rehabilitation or Return to Work support.

Conversely, if you need a higher, clearer fixed sum insured or overseas coverage, LINDUNG 24 Jam may not be enough either. Don’t judge by the name alone — look at what each side actually pays for.

Misconception 3: 0.75% is cheap, so you should definitely keep it; or it’s a pay cut, so you should definitely opt out

Both takes move too fast.

Price is only one factor. You also need to weigh your coverage gap, occupational risk, family responsibilities, existing policies, how often you travel abroad, and whether you can absorb a long-term loss of income.

Who Should Seriously Consider Keeping LINDUNG 24 Jam?

The following situations don’t automatically mean “you must keep it,” but you should be more cautious before opting out:

you don’t have any private PA;
your PA only pays for death and permanent disability, with no temporary disability or income benefit;
your emergency fund can’t cover several months of living expenses;
your family relies mainly on your wages;
you frequently ride a motorcycle, play sports or do a lot of physical activity outside of work;
private insurance is hard to get due to your age, health, occupation or budget;
you value PERKESO’s rehabilitation and Return to Work support;
you’re older but still employed, and your private PA’s renewal age or coverage terms are already limited.

Who Can Reasonably Consider Opting Out?

If you meet several of the following conditions at the same time, you have a better basis for comparison:

you already have an adequate PA sum insured, and its coverage matches your actual lifestyle risk;
your policy genuinely includes the temporary disability, income or medical benefits you care about — not just something an agent mentioned verbally;
you have an adequate emergency fund and paid sick leave;
your family doesn’t rely heavily on your income, or you already have adequate life and disability coverage;
you understand which PERKESO non-work accident benefits you’d lose after opting out;
you’ve confirmed the opt-out process, the effective month, how contributions already paid are handled, and one thing many people overlook: the official position on how to rejoin after opting out hasn’t been published yet. Until that mechanism is clear, opting out may not be easily reversible.

Even so, don’t opt out just because “I have a medical card” — that’s a different question.

A Simple Example

Suppose Amin earns RM4,000 a month and has a PA policy with:

Accidental death: RM200,000;
Permanent total disability: up to RM200,000;
Accident medical expenses: RM5,000;
No temporary disability income benefit.

If he has an accident on the weekend and fully recovers after two months:

his PA might only pay out on eligible medical expenses, not necessarily RM200,000 just because he couldn’t work for two months;
LINDUNG 24 Jam might provide the temporary loss-of-earning-capacity allowance and related medical benefits, if he’s eligible.

If the accident causes permanent severe disability:

his PA might pay a lump sum based on the sum insured and disability table;
LINDUNG 24 Jam might provide an assessed permanent disability benefit, rehabilitation and other eligible support.

This is exactly why “having one means the other is definitely useless” isn’t a good judgment call.

The above is only a hypothetical example to explain the payout structures — it doesn’t represent an actual claims outcome. Real payouts depend on the facts of the accident, PERKESO’s decision and the individual policy’s terms.

Before You Opt Out: A Checklist

Don’t start by asking an agent which one is better. Put the facts on the same page first:

What’s my PA’s accidental death sum insured?
How does it pay for total and partial permanent disability?
Is there an income benefit if I’m temporarily unable to work? For how long?
What’s my accident medical expense limit?
Are motorcycle accidents, sports and overseas accidents covered?
How many months of emergency fund do I have?
What coverage does my employer provide? Does it disappear if I leave my job?
If I couldn’t work for a year, how much would my family need each month?
Does LINDUNG 24 Jam’s rehabilitation and ongoing support matter to me?
Have I actually read the latest opt-out process, rather than just a WhatsApp forward?

Once you’ve done this, you’re comparing coverage — not comparing two names.

Put simply: fixed-sum payouts (such as an accidental death sum insured) can usually coexist with social security; reimbursement-type benefits (such as medical expenses) are limited to your actual loss, and the same expense generally can’t be reimbursed twice on both sides.

The actual outcome still depends on the policy terms and the relevant authority’s decision.

Frequently Asked Questions

Is LINDUNG 24 Jam still mandatory now?

As of 11 July 2026, local employees have moved to opt-out participation; foreign employees are still required to participate. PERKESO’s website already reflects this change.

What happens if I do nothing?

The current default is to stay enrolled. If an existing local employee doesn’t submit an opt-out declaration, the employer will continue deducting and remitting contributions, and coverage continues; only those who don’t want to participate need to actively opt out.

When can I opt out?

PERKESO says local employees can opt out from 13 July 2026 by completing a Perakuan Pelepasan Liabiliti (Liability Release Declaration) online. Since the process was only just announced, the actual form, the month deductions stop, and employer procedures should follow PERKESO’s latest guidance. The official position on how to rejoin after opting out also hasn’t been published yet.

Will the contributions already deducted in June be refunded?

As of 11 July 2026, based on remarks by PERKESO’s CEO at a press conference and media reports, coverage was already provided for the period before the formal opt-out, so it appears no backdated refund will be issued. This point hasn’t yet appeared in formal written guidance; individual cases where “wages were deducted but the employer hasn’t remitted them” should be confirmed with the employer or PERKESO.

My employer has no contribution record — am I still covered?

The official FAQ states that for accidents occurring after 15 July 2026, if the employee has no contribution record or can’t prove contributions were made, they are not covered even if still employed. If you intend to keep this coverage, check via the PRIHATIN Portal or App whether your employer has remitted your contributions.

I have PA or a medical card — can I still claim under LINDUNG 24 Jam?

Yes. PERKESO’s FAQ states that eligible employees don’t lose eligibility just because they already have private insurance, a medical card or employer medical coverage. Whether the private policy can pay out at the same time depends on the specific benefit and terms.

Does LINDUNG 24 Jam cover illness?

No. It’s targeted at non-work accidents that meet the definition. Illnesses such as diabetes, fever or high blood pressure, and injuries unrelated to an accident, don’t fall under this scheme.

Am I covered if I have an accident overseas?

No. LINDUNG 24 Jam only covers eligible accidents within Malaysia. You should separately check your PA and travel insurance for overseas risk.

Can self-employed individuals join?

You cannot join LINDUNG 24 Jam as a self-employed person. Self-employed individuals have a separate PERKESO Self-Employment Social Security Scheme, which you should look into based on your own industry and eligibility.

How do I file a claim under LINDUNG 24 Jam?

You can apply via the LINDUNG Faedah Portal, or visit your nearest PERKESO office and submit the required supporting documents.

So should I keep it or opt out?

There’s no single answer that fits everyone.

If you don’t have adequate income replacement, rehabilitation or family protection, opting out could widen the gap. If you already have complete, adequate private coverage, an emergency fund and family arrangements in place, you can compare the actual benefits and costs item by item before deciding.

The Bottom Line

LINDUNG 24 Jam isn’t a “government version of PA,” and PA isn’t a complete replacement for LINDUNG 24 Jam either.

The former is more like a social safety net tied to your wages and employment status; the latter lets you buy a fixed sum insured and specific benefits based on your own needs.

You might choose one, or you might need both. What matters isn’t how much you buy, but whether each layer of coverage has a clear job to do — and whether it leaves a gap you can’t afford.

Understand it first, then decide.

Sources and Verification Notes

This article’s information is current as of 11 July 2026. LINDUNG 24 Jam’s opt-out mechanism was only just announced, and the implementation details may continue to change. Re-check the following sources before publishing and whenever the policy is updated:

Note on Conflicting Information

PERKESO’s FAQ published on 25 June 2026 still stated that all local and foreign employees were required to participate. Following the Cabinet’s new decision on 8 July 2026, further confirmed by the Ministry of Human Resources on 9 July, local employees have moved to opt-out participation, while foreign employees remain mandatory.

This article uses the newer official position on participation; the older FAQ is still used to verify the scope of coverage and benefits, but is no longer treated as the basis for “mandatory participation” for local employees.

Educational Purpose Disclaimer

This article provides general financial education and does not constitute personal insurance, legal or financial advice. Actual eligibility, contributions, claims and payouts are determined by PERKESO, the relevant laws, and your individual policy terms. Before making a decision, please verify the latest official information and assess based on your own family responsibilities, cash flow and existing coverage.

Disclosure of interest: If a client has already independently decided on an insurance company and product, and only engages YourFinanceDoc to arrange the policy, YourFinanceDoc may earn a commission from the relevant insurance company — this isn’t limited to any specific insurer mentioned in this article. If a client needs comparison, analysis or advice based on their personal situation, that requires a separately paid consultation. This article does not recommend any specific PA product, and no sponsorship fee was received for mentioning any product.

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LINDUNG 24 Jam vs Personal Accident Insurance: Should Malaysian Employees Keep It or Opt Out?