Published On: 26/07/2026By

You’re Paying RM13–RM45 Every Month… But Do You Know What You’re Actually Getting?

Since PERKESO LINDUNG 24 Jam (Skim Kemalangan Bukan Bencana Kerja, SKBBK) was introduced, many employees have focused on one thing—the monthly payroll deduction.

Common questions include:

  • Is LINDUNG 24 Jam worth paying?
  • Why am I contributing 0.75% every month?
  • What benefits do I actually receive?
  • Does a higher salary mean better protection?

These are valid questions.

If your monthly salary is RM3,000, your contribution is approximately RM22.15.

If you earn RM5,000, it’s around RM37.15.

For employees earning RM1,800, the monthly contribution is approximately RM13.15.

At first glance, it may seem like just another payroll deduction.

But if a serious non-work accident suddenly prevents you from working, that small monthly contribution could become an important financial safety net.

In this guide, we’ll explain:

  • How much employees contribute
  • What benefits the contribution supports
  • Why benefit amounts differ by salary
  • Whether LINDUNG 24 Jam is worth keeping

What Is LINDUNG 24 Jam?

LINDUNG 24 Jam is PERKESO’s Non-Workplace Accident Scheme (SKBBK).

Unlike the Employment Injury Scheme, which covers workplace accidents, LINDUNG 24 Jam protects eligible employees against qualifying accidents that occur outside working hours within Malaysia.

Examples include:

  • Slipping at home
  • Weekend sports injuries
  • Personal road accidents
  • Home maintenance accidents

Claims remain subject to PERKESO’s eligibility requirements, contribution records and prevailing legislation.

How Much Do Employees Contribute?

The current contribution rate is 0.75% of wages (Phase 1), subject to PERKESO’s official wage schedule.

After looking at the contribution table, many employees immediately ask:

“Is RM22 every month really worth paying?”

The answer becomes clearer when you compare the contribution with the protection it may provide.

RM22 Isn’t Just RM22

Many people compare the monthly deduction with everyday spending.

  • One café meal.
  • A streaming subscription.
  • A few cups of coffee.

But social security shouldn’t be compared that way.

A better question is:

If a serious accident stops you from working for several months, how much financial support will you and your family need?

LINDUNG 24 Jam isn’t designed to help you grow your money.

It’s designed to help protect your income when life doesn’t go according to plan.

How Much Protection Could Different Salaries Receive?

PERKESO has published an illustration showing how certain benefits may vary according to an employee’s insured wage.

The illustration assumes:

  • Employee aged 29
  • 100% permanent disability
  • One widow and one child as eligible dependants

 

The figures are examples only. Actual benefits depend on eligibility, medical assessment and PERKESO’s approval.

Example 1: Employee Earning RM1,800

Monthly contribution:

RM13.15

Illustrated benefits include:

  • Temporary Disability Benefit: RM28.00/day
  • Permanent Disability Benefit: RM30,347.10 (illustration)
  • Periodical Permanent Disability Benefit: RM756/month
  • Dependants’ Benefit: RM945/month

Example 2: Employee Earning RM3,000

Monthly contribution:

RM22.15

Illustrated benefits include:

  • Temporary Disability Benefit: RM47.20/day
  • Permanent Disability Benefit: RM51,156.54
  • Periodical Benefit: RM1,274.40/month
  • Dependants’ Benefit: RM1,593/month

Example 3: Employee Earning RM5,000

Monthly contribution:

RM37.15

Illustrated benefits include:

  • Temporary Disability Benefit: RM79.20/day
  • Permanent Disability Benefit: RM85,838.94
  • Periodical Benefit: RM2,138.40/month
  • Dependants’ Benefit: RM2,673/month

These examples demonstrate an important point:

Everyone receives 24-hour protection, but some cash benefits are calculated based on the employee’s insured wage.

Higher salaries don’t necessarily mean “more protection”—they may result in higher eligible cash benefits under PERKESO’s statutory calculations.

LINDUNG 24 Jam Is More Than Cash Compensation

Many people only compare:

Monthly contribution vs. potential payout.

But that’s only part of the picture.

LINDUNG 24 Jam also provides eligible contributors with support such as:

  • Medical Benefits
  • Physical Rehabilitation
  • Vocational Rehabilitation
  • Return to Work Programme
  • Funeral Management Benefit
  • Education Loan Facility for eligible dependent children

These benefits are designed to help employees recover medically, financially and professionally after a qualifying accident.

👉 Read also: 8 Official PERKESO LINDUNG 24 Jam Benefits Explained (2026 Guide)

Is LINDUNG 24 Jam Worth Paying?

There’s no one-size-fits-all answer.

However, it’s important to understand that LINDUNG 24 Jam is not an investment or savings plan.

Its purpose is to provide financial support when a qualifying accident affects your ability to earn an income.

For some employees, RM13–RM45 a month may seem insignificant.

But when an accident results in temporary disability, permanent disability or financial hardship for your family, the value of social security becomes much more apparent.

The question isn’t simply:

“How much am I paying?”

It’s also:

“If something unexpected happens tomorrow, what financial protection will I still have?”

Frequently Asked Questions

1. Does everyone receive the same benefits?

No. Certain cash benefits are calculated based on insured wages, medical assessment and PERKESO’s statutory rules.

2. Does a higher salary mean better protection?

Every eligible contributor receives protection under the scheme. However, some cash benefits increase according to the insured wage.

3. Is every accident covered?

No. Claims must meet PERKESO’s eligibility requirements and are subject to the prevailing legislation and approval process.

4. Are these benefit amounts guaranteed?

No. The figures shown are based on PERKESO’s published illustrations. Actual approved benefits may differ depending on the facts of each case.

Final Thoughts

The value of social security isn’t measured by how little you contribute every month.

It’s measured by the financial support available when life takes an unexpected turn.

Whether you earn RM1,800, RM3,000, or RM5,000, understanding how LINDUNG 24 Jam works helps you make a more informed decision about your protection.

Before focusing only on the monthly deduction, take time to understand what that contribution may provide for you and your family when you need it most.