LINDUNG Kasih PERKESO: A Complete Guide for Housewives in Malaysia

Housewives play an important role in supporting their families, whether by managing the household full-time or balancing household responsibilities with work. However, many may not realise that domestic accidents or unexpected health conditions can also have a significant financial impact on their families.

To provide greater social security protection, PERKESO introduced LINDUNG Kasih, also known as the Housewives' Social Security Scheme (Skim Keselamatan Sosial Suri Rumah). The scheme provides protection against domestic injuries and invalidity while recognising the valuable contributions of housewives to their families and the nation.

In this guide, you'll learn what LINDUNG Kasih is, who is eligible, how much the contribution costs, how to register, the benefits available, and how to make a claim.

What Is LINDUNG Kasih?

LINDUNG Kasih, officially known as the Housewives' Social Security Scheme (Skim Keselamatan Sosial Suri Rumah), is a PERKESO scheme introduced on 1 December 2022 under the Housewives' Social Security Act 2022.

The scheme provides social security protection for housewives against domestic injuries and invalidity while managing their households. It recognises the invaluable contributions of housewives and aims to provide financial security and welfare support when unexpected incidents occur.

Source: perkeso.official

Objectives of LINDUNG Kasih

LINDUNG Kasih aims to:

Provide social security protection for women who manage their households, whether on a full-time or part-time basis.
Recognise the economic and social contributions of housewives to their families and Malaysia.
Improve the financial security and well-being of eligible housewives and their dependants.

Who Is a Housewife Under LINDUNG Kasih?

Under the Housewives' Social Security Act 2022, a housewife is a woman, whether married or unmarried, who manages the household on a full-time or part-time basis.

This includes:

Wife
Mother
Divorcee
Widow
Single mother

Who Is Eligible?

You may register for LINDUNG Kasih if you:

Are a Malaysian citizen or permanent resident.
Are a housewife as defined under the Housewives' Social Security Act 2022.
Have not reached 55 years old (or have not yet reached age 54 on the date of your first contribution).
Pay the annual contribution in advance for a 12-month coverage period.

Contribution

LINDUNG Kasih requires an annual contribution that provides 12 months of social security protection.

Item	Details
Annual Contribution	RM120
Coverage Period	12 consecutive months
Who Can Pay?	Husband, housewife, family member, or any third party
Payment Method	Paid in advance

If a husband contributes on behalf of his wife, PERKESO applies the "Once in, Always in" principle. If he is unable to continue contributing due to loss of income or other valid reasons, PERKESO must be notified no later than 60 days before the current coverage period ends.

How to Register for LINDUNG Kasih

Eligible housewives can register and pay their contributions through PERKESO's official channels.

You can register via:

Suri Portal
Any PERKESO office nationwide

Payment can be made:

Online through the Suri Portal
Cash payment at PERKESO offices
QRPay at PERKESO offices

Your protection starts from the date and time your contribution is successfully paid. PERKESO will issue a coverage notice to your registered email address.

What Protection Does LINDUNG Kasih Provide?

LINDUNG Kasih provides protection against:

Domestic injuries while carrying out household duties.
Domestic accidents that occur during household management.
Invalidity caused by illness or other qualifying conditions under the scheme.

The scheme helps reduce the financial burden on housewives and their families by providing financial assistance and welfare support when unexpected incidents affect their health or ability to manage household responsibilities.

Benefits Under LINDUNG Kasih

LINDUNG Kasih provides benefits under two protection schemes.

Benefits Under the Domestic Injury Scheme

Eligible contributors may receive the following benefits:

Faedah Perubatan

Medical treatment and outpatient care at hospitals, clinics, or other approved medical institutions for domestic injuries.

Faedah Hilang Upaya Kekal

A lump-sum payment for housewives who suffer permanent disability due to a domestic accident, subject to PERKESO's medical assessment.

Elaun Layanan Sentiasa

A monthly allowance for housewives who require continuous personal care due to severe disability, as certified by PERKESO's Medical Assessor or Appellate Medical Board.

Kemudahan Pemulihan Jasmani atau Dialisis

Physical rehabilitation, dialysis treatment, prosthetics, orthotics, implants, and other assistive devices where medically required.

Faedah Pengurusan Mayat

A one-off funeral benefit of RM3,000 is payable to eligible dependants if the insured housewife dies before reaching the age of 55.

Pencen Penakat

Eligible dependants may receive a monthly Survivors' Pension if the insured housewife dies due to a domestic injury or while receiving Morbid Allowance during the coverage period.

The pension may be paid to:

Widower
Children
Parents (if there is no widower or eligible child)

Children generally receive the pension until age 21, marriage, or completion of their first degree. Disabled children who cannot support themselves may continue receiving benefits until age 55.

Benefits Under the Invalidity Scheme

If an insured housewife suffers invalidity under the scheme, she may be eligible for:

Elaun Keuzuran (Morbid Allowance)
Elaun Layanan Sentiasa
Kemudahan Pemulihan Jasmani atau Dialisis
Faedah Pengurusan Mayat
Pencen Penakat

How to Make a Claim

If you suffer a domestic injury or become eligible for benefits under the Invalidity Scheme, you should notify PERKESO as soon as possible.

Generally, you should:

Seek medical treatment immediately.
Keep all medical reports and supporting documents.
Complete the relevant PERKESO claim form.
Submit your claim together with the required supporting documents to PERKESO.
Wait for PERKESO to assess your eligibility based on the Housewives' Social Security Act 2022 and the scheme's requirements.

The documents required may vary depending on the type of benefit being claimed. PERKESO may request additional information before approving your application.

Why Is LINDUNG Kasih Important?

Housewives play an important role in supporting their families and contributing to society, yet many do not have social security protection against domestic injuries or invalidity.

LINDUNG Kasih recognises these contributions by providing financial protection and welfare support when unexpected incidents occur. By registering for the scheme, eligible housewives can enjoy greater peace of mind knowing they have access to social security benefits that help protect both themselves and their families.

FAQs

What is LINDUNG Kasih?

LINDUNG Kasih is PERKESO's Housewives' Social Security Scheme that provides protection against domestic injuries and invalidity while managing the household.

Who can register for LINDUNG Kasih?

Malaysian citizens or permanent residents who meet the legal definition of a housewife and satisfy PERKESO's eligibility requirements may register.

How much is the contribution?

The contribution is RM120 per year, paid in advance for 12 consecutive months.

Who can pay the contribution?

The annual contribution may be paid by the husband, the housewife herself, family members, or any third party.

When does my protection start?

Your protection starts from the date and time the contribution is successfully paid.

How can I register?

You can register online through the Suri Portal or visit any PERKESO office nationwide.

What benefits are provided under LINDUNG Kasih?

Eligible contributors may receive medical benefits, permanent disablement benefits, rehabilitation services, Morbid Allowance, funeral benefits, and Survivors' Pension, depending on the type of claim and PERKESO's eligibility requirements.

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