【𝐋𝐈𝐍𝐃𝐔𝐍𝐆 𝟐𝟒 𝐇𝐨𝐮𝐫𝐬 𝐒𝐜𝐡𝐞𝐦𝐞】𝐏𝐄𝐑𝐊𝐄𝐒𝐎 · 𝐄𝐥𝐢𝐠𝐢𝐛𝐢𝐥𝐢𝐭𝐲 · 𝐎𝐩𝐭 𝐈𝐧 / 𝐎𝐩𝐭 𝐎𝐮𝐭 · 𝐂𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧𝐬 · 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐌𝐞𝐭𝐡𝐨𝐝𝐬 · 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 · 𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐄𝐱𝐜𝐥𝐮𝐬𝐢𝐨𝐧𝐬 — 𝐀𝐥𝐥 𝐄𝐬𝐬𝐞𝐧𝐭𝐢𝐚𝐥 𝐈𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐈𝐧 𝐎𝐧𝐞 𝐏𝐥𝐚𝐜𝐞.

Each update, we summarize key information on the LINDUNG 24 Hours Scheme, including eligibility, opt-in and opt-out requirements, contribution details, payment methods, benefits provided, and types of accidents not covered—all essential information for better understanding and compliance in one simple overview.

Explore the highlights below and share it with anyone who may benefit!

Overview – LINDUNG 24HOURS SCHEME

• What Is PERKESO LINDUNG 24 Hours Scheme

The PERKESO LINDUNG 24 Hours Scheme is an accident protection scheme that provides 24-hour coverage for eligible employees against non-work-related accidents that occur during the employment period. The scheme offers financial protection and support through various
benefits, including medical benefits, disablement benefits, rehabilitation support, dependent’s benefits, funeral benefits, and education benefits, subject to PERKESO’s terms and conditions.

• Employee Eligibility

Employee Eligibility refers to the requirements that an employee must meet in order to be
covered under the PERKESO LINDUNG 24 Hours Scheme. Eligible employees include those who are registered and covered under PERKESO, including local and foreign employees, subject to the scheme’s requirements. Employees must fulfil the eligibility criteria and contribution conditions to receive the benefits provided under the scheme.

• Opt In or Opt Out
Opt In or Opt Out refers to the choice given to eligible employees on whether they want to participate in the PERKESO LINDUNG 24 Hours Scheme.

- Opt In means the employee chooses to join and receive coverage under the scheme.
- Opt Out means the employee chooses not to participate in the scheme, subject to the applicable requirements and deadline.

For the scheme, employees who do not submit an opt-out declaration within the given period will be automatically enrolled. Once an employee joins the scheme, they are not allowed to opt out in the future.

• Contribution

Contribution refers to the amount payable for participation in the PERKESO LINDUNG 24 Hours Scheme.

The contribution is fully paid by the employee, while the employer is responsible for deducting the contribution from the employee’s monthly salary and remitting it to PERKESO according to the prescribed contribution schedule. The contribution rate is calculated based
on the employee’s monthly wages, subject to the maximum wage ceiling of RM6,000.

• Payment of LINDUNG 24 Hours Contribution

Payment of LINDUNG 24 Hours Contribution refers to the methods and procedures for employers to remit the LINDUNG 24 Hours Scheme contributions to PERKESO.

The contribution payment can be made through several channels, including the ASSIST 2.0 Portal (FPX Payment), Direct Debit Authorisation (DDA), and appointed bank counters. Employers are responsible for ensuring that the contributions are deducted from employees’ salaries and paid to PERKESO within the required period.

Benefits Provided Under the LINDUNG 24 Hours Scheme

Benefits Provided Under the LINDUNG 24 Hours Scheme refers to the financial and social protection benefits available to eligible employees covered under the scheme. The benefits provided include Medical Benefit, Temporary Disablement Benefit, Permanent Disablement Benefit,

Allowance for Full-Time Caregiving Support, Physical / Vocational Rehabilitation Benefit, Dependent’s Benefit, Funeral Benefit, and Education Benefit, subject to PERKESO’s prescribed terms and conditions.

• Types of Accidents Not Covered Under the LINDUNG 24 Hours Scheme

Types of Accidents Not Covered Under the LINDUNG 24 Hours Scheme refers to accidents or situations that are excluded from coverage under the scheme. These exclusions include work-related accidents covered under other PERKESO schemes, fraudulent or criminal-related accidents, self-inflicted injuries or suicide, misuse of work passes or permits (for foreign employees), accidents during unpaid leave without
contribution, accidents occurring before the scheme takes effect or before becoming an employee, and diseases or injuries not caused by accidents.

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