For eligible local employees, participation in PERKESO LINDUNG 24 Jam is voluntary, while it remains mandatory for foreign employees.
Before opting out, consider one important question:
What protection will you have if an accident happens outside working hours?
Opting out may reduce your monthly salary deduction, but it could also leave you without financial protection for personal accidents unless suitable alternative coverage is arranged.
What Does LINDUNG 24 Jam Cover?
LINDUNG 24 Jam protects eligible employees against accidents that are not directly related to their employment.
Examples include:
- Accidents at home
- Accidents during personal activities
- Accidents while exercising
- Accidents during personal journeys
- Other accidents outside working hours
The scheme may provide medical, temporary disablement, permanent disablement, rehabilitation, dependants’ and funeral benefits, subject to PERKESO’s requirements.
However, it does not cover every situation. For example, accidents outside Malaysia and illnesses that are not caused by an accident are excluded.
Is Opting Out a Good Decision?
Opting out is not necessarily a bad decision—but it should only be considered after reviewing your existing protection.
Before opting out, check whether you already have sufficient coverage for:
- Accidental death
- Permanent disability
- Temporary loss of income
- Accident-related medical expenses
- Accidents occurring outside Malaysia
A medical card may cover eligible hospital expenses, but it may not provide a lump-sum payment for accidental death or permanent disability.
Is There an Alternative to LINDUNG 24 Jam?
Definitely yes.
A private Personal Accident Insurance policy can be selected according to your:
- Budget
- Occupation
- Lifestyle
- Financial commitments
- Expected benefits
Depending on the plan, Personal Accident Insurance may provide accidental death, permanent disablement, medical expenses, hospital income and weekly benefits.
Unlike a standard statutory scheme, private Personal Accident Insurance may offer greater flexibility in choosing your sum insured and benefits.
Speak to Minaris Before You Opt Out
Do not remove your existing protection without considering what will replace it.
At Minaris Risk Management, we can help you compare Personal Accident Insurance options based on your budget and expected benefits.
Planning to opt out of LINDUNG 24 Jam?
Talk to Minaris today for Personal Accident coverage designed around your needs.
- YOUR BUDGET.
- YOUR PRIORITIES.
- YOUR PROTECTION.
Coverage is subject to the selected insurer’s terms, conditions, limits and exclusions.
Speak to Minaris
Speak to our risk specialist, our team is ready to assist.
Jayadarshiniy Sankar is a Senior Insurance Advisory Manager with a background in law and over 5 years of experience in professional indemnity and general insurance. She specializes in regulatory compliance and client solutions, delivering tailored coverage with prompt, results-driven support while actively educating clients through industry content and guidance.