Many people have been asking:

💬 What exactly does LINDUNG 24 JAM cover?
💬 Can I claim if I’m hospitalized because of illness?
💬 What if I fall at home or get into a car accident on the weekend?

Here’s a quick explanation👇

✅ What DOES LINDUNG 24 JAM Cover?

LINDUNG 24 JAM provides protection for Non-Employment Accidents.

In simple terms, it may cover eligible accidents such as:

✔️ Slipping or falling at home
✔️ Road accidents during weekends
✔️ Accidents while on leave or outside working hours
✔️ Injuries during personal activities
✔️ Other qualifying accidents that are not work-related

📌 The accident must occur in Malaysia and meet PERKESO’s eligibility requirements.

❌ What Does LINDUNG 24 JAM NOT Cover?

This is one of the biggest misconceptions.

🚫 LINDUNG 24 JAM is NOT a medical card or health insurance.

If you’re admitted to the hospital because of:

❌ Fever
❌ Flu
❌ Common illnesses
❌ Non-accident medical conditions

it does not automatically mean you’re entitled to benefits under LINDUNG 24 JAM.

The scheme is designed to cover accidents, not general illnesses.

Some situations may also be excluded from coverage, such as:

❌ Accidents occurring outside Malaysia
❌ War or circumstances excluded under PERKESO regulations
❌ Cases that do not meet the scheme’s eligibility requirements

💰 Who Pays the Contribution?

Under the current implementation:

📌 Employees contribute 0.75% (Phase 1)

📌 Employers contribute 0%

The employer’s responsibility is to:

✅ Deduct the employee’s contribution from payroll
✅ Submit the contribution to PERKESO

👨‍💼 What If the Employer Doesn’t Make the Contribution?

Employees may lodge a complaint with PERKESO.

Employers who fail to comply may be subject to investigation, penalties, or other enforcement actions in accordance with the applicable laws.

👥 What If I Have Multiple Employers?

You can only choose one employer for LINDUNG 24 JAM participation.

If no selection is made, PERKESO may determine the participating employer based on its procedures.

⚠️ The Most Important Reminder

LINDUNG 24 JAM protects against eligible accidents—not general illnesses.

Many people assume that joining the scheme means everything is covered.

That’s not true.

📌 Understanding what is and isn’t covered helps you make better decisions and avoid unnecessary misunderstandings.

(This summary is based on the latest publicly available PERKESO information. Actual eligibility, benefits, claims, and approval remain subject to PERKESO’s latest guidelines, terms, and assessment.)

💬 What situation are you most curious about?

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