LINDUNG 24 Opt Out: How To Opt Out Of PERKESO’s LINDUNG 24 (SKBBK) Scheme

Dear fellow employees (and the HR folks who field their questions): remember when your payslip suddenly looked a little lighter back in June, and you had to Google “what is LINDUNG 24 Jam” at 11pm? We hear you. Well, plot twist – as of 13 July 2026, LINDUNG 24 opt out is officially a thing, and you can actually opt out of it.

If you’re still trying to catch up on what’s going on, don’t worry. In this post, we’ll break down what the LINDUNG 24 Jam scheme actually is, why it went from mandatory to voluntary in the space of a month, and exactly how to opt out if you’ve decided it’s not for you.

In this post, we’ll talk about:

1. A Quick Recap: What Is the LINDUNG 24 Jam Scheme?
2. What Changed – Why Opting Out Is Now Allowed
3. What You Lose (and Save) If You LINDUNG 24 Opt Out
4. Who’s Actually Eligible to Opt Out
5. Step-by-Step: How to Opt Out of LINDUNG 24 Opt Out Guide
6. Should You Opt Out? Things to Consider
7. What This Means for Employers

A Quick Recap: What Is the LINDUNG 24 Jam (SKBBK) Scheme

Introduced by the Social Security Organisation (PERKESO, also known as SOCSO) in June 2026, LINDUNG 24 Jam (SKBBK) – literally “Protect 24 Hours” – is a non-employment injury scheme. In plain English: it covers you for accidents that happen outside of work hours and have nothing to do with your job. 

So if you slipped in the bathroom on a Sunday, or sprained your toe playing football with your elementary school friends,  . LINDUNG 24 Jam (SKBBK) was designed to close that gap. As long as it’s not work-related. So it doesn’t include slipping in the office bathroom, or playing football with your colleagues okay? That falls under the other scheme. 

The LINDUNG 24 Jam scheme’s benefits are fairly comprehensive, covering:

• Cost of medical treatment
• Temporary disablement benefits
• Permanent disablement benefits
• Dependants’ benefits
• Constant attendance allowance
• Funeral benefits
• Physical and vocational rehabilitation
• Return To Work (RTW) programme support
• Education benefits

To fund all this, employees who are enrolled contribute 0.75% of their monthly salary, capped at RM45 for anyone earning above RM6,000 a month. That rate isn’t fixed forever, either – it’s set to climb to 1% and eventually 1.25% over the next six years.

What Changed – Why LINDUNG 24 Opt Out Is Now Allowed

Here’s where it gets interesting. When LINDUNG 24 Jam first rolled out, it wasn’t optional, but made compulsory.  Contributions were deducted automatically, and quite a few employees weren’t too happy to see a new line item on their payslip without warning.

Fast forward one month, and on 8 July, the government made a U-turn: participation in the scheme would now be voluntary. Starting 13 July, folks can log into the LINDUNG 24 Jam portal and formally opt out. Yes, you now have a choice to make. 

PERKESO Group CEO Datuk Seri Dr Mohammed Azman Aziz Mohammed has been actively encouraging people to stay in the scheme rather than opt out, pointing out that the 0.75% contribution rate is among the lowest globally for this kind of round-the-clock protection. He’s also mentioned that PERKESO benchmarked the rate against nearly 164 countries under the International Social Security Association. We gotta admit, he has a point. 

That said, he’s also acknowledged the obvious: if a chunk of contributors decide to opt out, it could affect the fund’s long-term sustainability and its ability to pay out benefits down the line. PERKESO and the Human Resources Ministry are planning to review how the scheme is going by the end of the year, so this space is worth watching. (P.S. Subscribe to our newsletter to stay updated on the latest payroll/tax/HR updates that affect employees like you). 

For context on how the scheme has performed so far – since its launch, PERKESO has approved an average of 27 claims a day, paying out close to RM2 million in benefits within the scheme’s first month alone. Compare that to 2025, before LINDUNG 24 Jam existed, when PERKESO rejected an average of 13 claims daily simply because the incidents happened outside working hours.

What You Lose (and Save) If You LINDUNG 24 Opt Out

Opting out isn’t a free lunch, so here’s the trade-off in a nutshell:

What you save: You stop paying up to RM45 a month (or 0.75% of your salary, whichever is lower) toward the scheme. If you divide it by 30 days, it’s RM1.5 daily. 

What you lose: You lose the 24/7 coverage entirely. That means if something happens to you outside of work hours – a fall, an accident, an injury unrelated to your job (i.e. slipping in the bathroom shower or playing football with your friends) – you won’t be able to claim under LINDUNG 24 Jam.

It’s essentially the same calculation you’d make with any insurance or protection scheme: is the monthly cost worth the peace of mind, or would you rather keep that RM45 in your own pocket and take your chances?

Who’s Actually Eligible to Opt Out

Before you rush off to the portal, take note – this opt-out option only applies to Malaysian employees. The Human Resources Ministry has clarified that foreign workers are still required to contribute to the scheme and cannot opt out, though they’re able to opt in if it wasn’t automatically applied to them.

So if you’re a local employee, the choice is yours. If you’re a foreign worker in Malaysia, this particular decision has already been made for you.

Step-by-Step: LINDUNG 24 Opt Out Guide

If you’ve weighed the pros and cons and decided the scheme isn’t for you, here’s exactly how to opt out:

1. Head to the LINDUNG 24 Jam portal. You can access it at lindungfaedah.perkeso.gov.my.
2. Create an account , if you haven’t already, using your details.
3. Log in , then look for the employee’s declaration section. Select the option labelled “SAYA MEMILIH UNTUK TIDAK MENYERTAI Skim LINDUNG 24 Jam” (which translates to “I choose not to participate in the LINDUNG 24 Jam Scheme”).
4. Click “Hantar” (Submit).
5. Confirm your declaration by clicking “Sahkan, Saya Tidak Mahu Menyertai” (Confirm, I do not want to participate).

And that’s it – your opt-out is officially registered. If you run into any hiccups along the way, you can reach PERKESO directly at 1-300-22-8000. 

Should You Opt Out? Things to Consider

We’re not going to tell you what to do here (that’s between you and your wife). But here are a few things worth thinking through before you make the call:

• How much of your income does RM45 actually represent? For higher earners, this is a rounding error. For others, it might genuinely matter month to month. That’s RM1.5 a day – which could be the cost of lunch for some. 
• Do you already have personal accident or life insurance that covers non-work-related injuries? If so, LINDUNG 24 Jam might not be needed at all.
• What’s your risk tolerance for activities outside of work – commuting, sports, general day-to-day life? Do you skydive or go cliff-climbing every weekend? Maybe you stay at home a lot? Maybe you are very clumsy and trip over your foot a lot? We don’t want to judge – but maybe you should do a quick assessment on your lifestyle and its risks. 
• Is the scheme still evolving? With a government review scheduled for the end of the year and contribution rates set to rise over the next six years, it’s worth keeping an eye on how the scheme develops before locking in a long-term decision.

If you’re unsure, you can always stay in for now and revisit the decision later. Nothing about this is a one-way door. The opt-out option doesn’t have an end-date for now. 

What This Means for Employers

If you’re on the HR or payroll side of things, here’s your action item: this LINDUNG 24 opt out scheme, and its now-voluntary status, adds another layer to your statutory deduction management.

Since the opt-out is an individual employee decision made directly on the PERKESO portal, employers will need to stay on top of who’s opted out and adjust payroll deductions accordingly, on top of the existing contribution rate changes rolling out over the next six years.

This is exactly the kind of moving target that trips up manual payroll processes. Missed updates mean incorrect deductions, and incorrect deductions mean unhappy employees (and potentially, compliance headaches).

A Helping Hand With Talenox

Statutory updates like this one are precisely why Talenox exists. As Malaysia’s regulations around EPF, SOCSO, EIS, and now schemes like LINDUNG 24 Jam continue to shift, our payroll software is built to keep pace, automatically applying the latest contribution rates and deduction rules so you don’t have to manually track every policy change.

A reliable software like Talenox can give you peace of mind, and save you lots of time while you’re at it. For the LINDUNG 24 JAM opt-out, simply update your employees’ opt-in/opt-out details and we’ll do the new calculations immediately. 

Got questions about how this affects your payroll setup, or want to try out Talenox for a free 30-days (with some extra help from a friendly rep)? Reach out to our team for a chat.