Malaysia Statutory Update: What Employers Need to Know About the LINDUNG 24 JAM (SKBKK) Scheme
- Jul 21
- 2 min read
PERKESO has rolled out an important update to the Non-Employment Injury Scheme, known as Skim Kemalangan Bukan Bencana Kerja (SKBKK), also referred to as LINDUNG 24 JAM. If you're an employer in Malaysia, here's what this means for you and your employees and what action you need to take now.
What Is SKBKK (LINDUNG 24 JAM)?
SKBKK is a voluntary scheme that provides employees with protection against injuries or accidents that happen outside of work covering the "24 hours" of a person's day rather than just work-related incidents. Unlike mandatory employment injury schemes, this one gives employees a choice: they can opt in for coverage or opt out entirely.
The Latest Update Key Highlights
1. Employees Who Wish to Opt Out Must Register with PERKESO or "Employees Must Decide Whether to Opt In or Opt Out
Employees who do not want to participate in SKBKK must actively register with PERKESO and complete a declaration form. Once the registration and declaration are completed, employees should download the declaration form and submit it to their employer.
👉 Registration portal: https://lindungfaedah.perkeso.gov.my/auth/
2. Effective Immediately
This requirement is already in force, so employers and employees should not delay in reviewing their options.
3. Contribution Rates (For Those Who Opt In)
Contribution rates remain unchanged for employees who choose to opt in. Contributions are fully borne by employees, with no employer contribution required. The cost is fully borne by the employee employers do not contribute and it's structured in phases:
Phase | Duration | Employee Contribution |
Phase 1 | Years 1–2 | 0.75% |
Phase 2 | Years 3–5 | 1.00% |
Phase 3 | Year 6 onwards | 1.25% |
What Should Employers Do?
Employers will need to check with their Malaysian employees whether they wish to opt in or opt out.
Important Rules Every Employer and Employee Should Know
Permanent Residents (PR) are treated as locals for the purpose of SKBKK. This means PR holders have the same right to opt in or opt out as Malaysian citizens.
Opting out isn't necessarily permanent. Employees who opt out can change their minds later and opt in by submitting the official Opt-in Form.
But opting in is permanent. Once an employee opts in, they cannot opt out again even if they had previously opted out before switching to opt-in.
New employees get a grace period. First-time workers (who have never been employed before) have 30 days from their hiring date to decide whether to opt in or opt out. Once they've made a decision, the same reversibility rules apply.
Mark your calendar: 31 August 2026. This is the deadline for existing employees to opt out. Anyone who misses this deadline will automatically be considered as having opted in permanently, with no room for future adjustment.
Why This Matters
With a hard deadline approaching and the "opt-in is final" rule in place, this is a decision employees shouldn't leave to the last minute. Employers should communicate these changes early so employees have sufficient time to make an informed decision before the deadline.
Useful Resources
For official guidance straight from PERKESO, check out the following:
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