Starting from 1 June 2026, PERKESO’s LINDUNG 24 JAM (Non-Employment Injury Scheme) has been introduced to provide broader protection for eligible employees beyond traditional workplace-related injuries.
At first glance, many of us may focus on the additional contribution required under the scheme. However, it is equally important to understand the purpose behind this initiative and the protection it aims to provide.
Workplace Protection vs. Non-Workplace Protection
Most of us are familiar with PERKESO coverage for workplace accidents.
For example:
- An injury sustained while performing work duties
- An accident occurring during a work-related activity
- Certain commuting accidents between home and workplace
These situations generally fall under employment-related protection.
However, accidents do not only happen during working hours.
A person could be injured:
- During a weekend activity
- While exercising
- During personal travel
- While carrying out daily activities outside of work
Traditionally, many of these situations may not have been covered under employment-related protection schemes.
The introduction of LINDUNG 24 JAM aims to address this gap.
Protection Doesn’t Stop When Work Ends
One of the key concepts behind the scheme is simple:
Life does not stop when working hours end.
We continue to face risks outside the workplace every day.
Whether it is a road accident, a fall during recreational activities, or another unexpected incident, such events can create financial and medical challenges for individuals and their families.
The new scheme provides an additional layer of protection by extending coverage to eligible non-employment injuries, subject to PERKESO’s terms and conditions.
This means we may have access to support even when an accident occurs outside the course of employment.
Why This Is Important
Many people underestimate the impact a sudden accident can have.
Beyond physical recovery, accidents can result in:
- Medical expenses
- Temporary loss of income
- Rehabilitation requirements
- Financial stress on family members
While no one expects accidents to happen, the reality is that unexpected situations can affect anyone.
Having access to a social protection framework can provide important support during difficult periods.
A Reflection of Changing Workforce Needs
The way people live and work has evolved significantly.
We are more mobile, participate in a wider range of activities, and often spend substantial time outside traditional working environments.
As lifestyles change, social protection systems must evolve as well.
The introduction of LINDUNG 24 JAM reflects a broader recognition that employee wellbeing extends beyond the workplace and that protection should take into account the realities of modern life.
What We Should Do
While the scheme provides additional protection, we should remember that eligibility, coverage, claims, assessments, and approvals remain subject to PERKESO’s policies and requirements.
You are encouraged to:
- Keep your personal information updated
- Understand the benefits available under PERKESO
- Report incidents through the appropriate channels when necessary
- Stay informed about your statutory benefits and protections
Being aware of your rights and coverage is just as important as having the coverage itself.
Final Thoughts
Most of us do not think about insurance or social protection until we need it.
The introduction of PERKESO LINDUNG 24 JAM serves as a reminder that accidents can happen at any time—not only during working hours.
While nobody hopes to rely on such protection, having an additional safety net can make a significant difference when unexpected situations arise.
At the end of the day, the purpose of social protection is not merely compliance. It is to provide us and our families with greater peace of mind, knowing that support may be available when it is needed most.