Earlier in 2026, PERKESO let workers opt out of Skim LINDUNG 24 Jam. Now the door swings the other way: anyone who opted out can rejoin at any time through the “Opt-In Semula” option on the Portal LINDUNG Faedah — with coverage taking effect the moment they confirm. HR teams are already fielding questions about it, so here’s a clear rundown of what the scheme is, what it costs, who can rejoin, and the exact steps.
Quick Recap: What Is Skim LINDUNG 24 Jam?
Skim LINDUNG 24 Jam (the Non-Employment Injury Scheme) extends PERKESO accident protection to a full 24 hours a day — covering accidents that happen outside working hours and are not related to the job, with medical treatment financed by PERKESO. It does not cover workplace accidents (those fall under the Employment Injury Scheme). Since 8 July 2026, participation is mandatory for foreign workers but voluntary for local employees. For the bigger picture, see our guide on LINDUNG Pekerja PERKESO: what every employer needs to know.
Opt-Out, Then Opt-In Semula
Here’s the timeline that’s confusing some employees:
| Action | When |
|---|---|
| Opt-Out — leave the scheme | By 31 August 2026 (see our opt-out guide) |
| Opt-In Semula — rejoin the scheme | Anytime via Portal LINDUNG Faedah — cover starts from the date & time you submit |
In short: workers who previously opted out receive no benefits under LINDUNG 24 Jam — unless they choose to rejoin.
PERKESO applies a “Once In, Always In” principle under Act 4: once an employee is in the scheme — including after opting back in — they remain covered.
What Does It Cost?
Contributions to LINDUNG 24 Jam are fully borne by the employee (the employer deducts and remits them), calculated on monthly wages up to the current RM6,000 wage ceiling. The rate rises in phases:
| Phase | Employee contribution rate |
|---|---|
| 1 Jun 2026 – 31 May 2028 | 0.75% |
| 1 Jun 2028 – 31 May 2031 | 1.00% |
| From 1 Jun 2031 | 1.25% |
How to Opt-In Again — 4 Steps
The rejoin process is done by the worker through the Portal LINDUNG Faedah PERKESO (lindungfaedah.perkeso.gov.my):
- Log in to the portal at lindungfaedah.perkeso.gov.my.
- Select the tab “Opt-Out ke Opt-In / Pilih Majikan”.
- Choose “Saya Memilih untuk Menyertai Skim LINDUNG 24 Jam”, then select the relevant benefits.
- Confirm “Sahkan, Saya Mahu Menyertai”. Once confirmed, the participation form appears.
Your cover under the scheme takes effect from the date and time your selection is submitted to PERKESO, and contributions begin from the salary month in which you opt in.
Why Rejoin?
The value of LINDUNG 24 Jam is the round-the-clock cover. A regular accident that happens at home, while running errands, or over the weekend falls outside ordinary work-injury coverage — but is covered under LINDUNG 24 Jam. Workers who opted out give that up entirely. Weighing the small contribution against the protection? See our breakdown: is the LINDUNG 24 Jam contribution worth it?
What Employers & HR Should Do
- Know it’s the worker’s choice. Opt-In Semula is made by the employee through their own Portal LINDUNG Faedah account — not by the employer.
- Inform your team. Many staff won’t know the rejoin window has opened. A short internal note pointing them to the portal is a genuine help.
- Get contributions right. Once an employee is back in the scheme, make sure your PERKESO contributions reflect it correctly. Accurate SOCSO/PERKESO deductions are what keep the protection valid — see which wages are subject to SOCSO & EIS.
Where Pandahrms Helps
Whichever way your employees choose, the contribution side has to be right. Pandahrms calculates each employee’s PERKESO/SOCSO contributions automatically from the correct wage definition, deducts them in payroll, and produces the figures you remit — so a worker’s LINDUNG 24 Jam protection stays properly funded and your business stays compliant. When rates or scheme rules change, the system keeps the calculation current.
Final Thoughts
The Opt-In Semula window gives workers a second chance at 24-hour protection they may have given up too quickly. It’s their decision to make on the Portal LINDUNG Faedah — but employers who flag the opportunity, and keep their PERKESO contributions accurate, help their people stay properly covered. A small heads-up now can mean real protection later.
Frequently Asked Questions (FAQs)
- When can workers opt in again to LINDUNG 24 Jam?
At any time, through the Portal LINDUNG Faedah PERKESO (lindungfaedah.perkeso.gov.my). Cover takes effect from the date and time the selection is submitted, and contributions begin from that salary month. - What is Skim LINDUNG 24 Jam?
A PERKESO scheme that protects workers against accidents 24 hours a day, including accidents that happen outside working hours. - Is joining compulsory for local workers?
No. Participation for local workers is voluntary — which is why opting out, and now opting back in, is possible. - Can I change my choice after confirming Opt-In?
No. Once the choice is submitted through the portal, it cannot be changed — so review your selection carefully first. - Does the employer opt in on the employee’s behalf?
No. The employee makes the choice through their own Portal LINDUNG Faedah account. The employer’s role is to inform staff and ensure PERKESO contributions are processed correctly.
