LINDUNG Kendiri PERKESO: Benefits, Eligibility & How to Register

If you're self-employed in Malaysia, your income depends on your ability to work. Whether you're a freelancer, gig worker, e-hailing driver, food delivery rider, online seller, or micro entrepreneur, a work-related accident or occupational disease could affect your livelihood and financial stability.

To help protect self-employed individuals, the Social Security Organisation (PERKESO) introduced LINDUNG Kendiri, also known as the Self-Employment Social Security Scheme. The scheme provides social security protection against work-related accidents, occupational diseases, and death arising from self-employment activities, giving contributors and their families greater financial security.

What Is LINDUNG Kendiri?

LINDUNG Kendiri is a PERKESO initiative implemented under the Self-Employment Social Security Act 2017 (Act 789).

The scheme was introduced on 1 June 2017 and was initially compulsory for individuals working in the Passenger Transportation Sector, including taxi, bus, and e-hailing drivers. From 1 January 2020, PERKESO expanded the scheme to cover 20 self-employment sectors, allowing more Malaysians working outside the formal employment sector to enjoy social security protection.

Under the scheme, protection begins from the date and time your contribution is successfully paid and recognised by PERKESO.

Source: perkeso.official

Objectives of LINDUNG Kendiri

LINDUNG Kendiri aims to:

Provide social security protection for self-employed individuals who are not covered under the formal employment sector.
Provide income protection if a work-related accident, occupational disease, or death occurs.
Help reduce the financial burden on self-employed individuals and their families during unexpected situations.
Encourage greater financial security for Malaysia's growing self-employed and gig economy workforce.

Who Is Eligible?

You may register for LINDUNG Kendiri if you:

Are a Malaysian citizen or permanent resident.
Work for yourself to earn a living.
Carry out self-employment activities in one of PERKESO's approved self-employment sectors.

Examples of eligible self-employed individuals include:

Freelancers
Gig workers
E-hailing drivers
Food delivery riders
Online sellers
Hawkers
Farmers
Fishermen
Micro entrepreneurs
Self-employed professionals

According to PERKESO, there is no age limit for Malaysian citizens or permanent residents who meet the scheme's eligibility requirements.

Self-Employment Sectors Covered

LINDUNG Kendiri currently covers the following 20 self-employment sectors:

Passenger Transportation
Goods or Food Transport
Agriculture
Livestock
Forestry
Fisheries
Food
Construction
Manufacturing
Hawkers
Accommodation Premises
Online Business
Information Technology
Data Processing
Agents
Professional Services
Support Services
Arts
Household Services
Beauty and Healthcare

These sectors were introduced in stages, with the scheme expanding to cover all 20 sectors from 1 January 2020.

What Protection Does LINDUNG Kendiri Provide?

LINDUNG Kendiri provides protection for self-employed contributors against:

Work-related accidents
Occupational diseases
Death arising from self-employment activities

The scheme also covers accidents that occur while travelling for the purpose of carrying out self-employment activities, provided the incident meets PERKESO's eligibility requirements.

In addition to cash benefits, eligible contributors may receive medical treatment, physical rehabilitation, vocational rehabilitation, and financial assistance for their dependants where applicable.

Benefits Under LINDUNG Kendiri

The benefits available depend on the nature of the claim and whether the contributor meets PERKESO's eligibility requirements.

Faedah Perubatan

Contributors who suffer a self-employment injury or occupational disease may receive medical treatment at PERKESO panel clinics or government hospitals.

Where applicable, contributors may also claim reimbursement for treatment received at non-panel clinics, subject to PERKESO's conditions and approval.

Faedah Hilang Upaya Sementara

If you're temporarily unable to work because of a work-related injury, PERKESO provides Temporary Disablement Benefit as income replacement during your medical leave.

The benefit is payable when the medical leave is certified by a doctor for at least four days, including the day of the accident.

The daily payment ranges from RM30.00 to RM105.33, depending on your selected insured monthly earnings.

Faedah Hilang Upaya Kekal

If a work-related accident results in permanent disability, contributors may receive Permanent Disablement Benefit.

The amount payable depends on factors such as:

Your selected insured monthly earnings.
The degree of permanent disability assessed by PERKESO.
Other applicable provisions under the scheme.

Elaun Layanan Sentiasa

Contributors who suffer total permanent disablement and require continuous personal care may receive Elaun Layanan Sentiasa.

The allowance is currently RM500 per month.

Kemudahan Pemulihan Jasmani dan Vokasional

PERKESO provides physical rehabilitation and vocational rehabilitation programmes to help injured contributors recover and, where possible, return to work.

These services may include rehabilitation treatment, occupational therapy, and vocational training.

Faedah Orang Tanggungan

If a contributor dies due to a self-employment injury, eligible dependants may receive Faedah Orang Tanggungan in accordance with PERKESO's eligibility requirements.

Faedah Pengurusan Mayat

PERKESO provides Funeral Benefit to eligible claimants if the insured person dies due to a self-employment injury or while receiving periodical Permanent Disablement Benefit.

The benefit is the actual funeral expenses incurred or RM3,000, whichever is lower.

Contribution Plans

LINDUNG Kendiri allows contributors to choose an insured monthly earnings plan. The contribution amount determines the insured earnings used to calculate eligible benefits.

Plan	Insured Monthly Earnings	Monthly Contribution	Annual Contribution
1	RM1,050	RM13.10	RM157.20
2	RM1,550	RM19.40	RM232.80
3	RM2,950	RM36.90	RM442.80
4	RM3,950	RM49.40	RM592.80

In general, selecting a higher insured monthly earnings plan results in higher benefit entitlement if an eligible claim is approved.

Contributors may change their contribution plan in accordance with PERKESO's rules after completing their current contribution period.

How to Register for LINDUNG Kendiri

Eligible self-employed individuals can register for LINDUNG Kendiri through PERKESO's official registration channels.

You can register through:

Prihatin Web
PERKESO Prihatin App
Certified Self-Employment Scheme Security Agents (EKSPS)
Any PERKESO office nationwide (cash and QRPay payments are accepted)

Registration and contribution payments can be made monthly or annually, depending on your preference. Once your contribution has been successfully paid and verified, your protection begins immediately from the date and time stated on the contribution payment receipt.

Documents Required

The required documents may vary depending on your self-employment sector. Generally, you'll need:

MyKad or identification document
Documents proving your self-employment activity, such as:
- E-hailing driver profile or PSV licence
- Business registration (if applicable)
- Permit or licence issued by the relevant authority
- Supporting documents requested by PERKESO

How to Make a Claim

If you experience a work-related accident or are diagnosed with an occupational disease while carrying out your self-employment activities, you should notify PERKESO as soon as possible.

Generally, you'll need to:

Seek medical treatment immediately.
Keep all medical reports and supporting documents.
Submit your claim together with the required documents to PERKESO.
Wait for PERKESO to assess your eligibility based on the Self-Employment Social Security Act 2017 and the relevant scheme requirements.

The documents required may differ depending on the type of benefit being claimed. PERKESO may request additional information before approving a claim.

Why Is LINDUNG Kendiri Important?

Many self-employed individuals are not automatically covered by the same social security protection as employees in the formal sector.

LINDUNG Kendiri helps provide financial protection if you suffer a work-related accident, occupational disease, or death while carrying out your self-employment activities. Eligible contributors may receive benefits such as medical care, income replacement, rehabilitation support, and financial assistance for their dependants.

By registering for LINDUNG Kendiri, self-employed individuals can enjoy greater peace of mind knowing they have social security protection when unexpected situations arise.

FAQs

Is LINDUNG Kendiri compulsory?

LINDUNG Kendiri is compulsory for self-employed individuals in the Passenger Transportation Sector, including taxi, bus, and e-hailing drivers, under the Self-Employment Social Security Act 2017. Other eligible self-employed individuals may register according to PERKESO's requirements.

Who can register for LINDUNG Kendiri?

Malaysian citizens and permanent residents who work for themselves in one of PERKESO's approved self-employment sectors may register for the scheme, subject to the eligibility requirements.

Does LINDUNG Kendiri cover freelancers?

Yes. Freelancers working in eligible self-employment sectors can register for LINDUNG Kendiri if they meet PERKESO's eligibility requirements.

Are Grab drivers and food delivery riders covered?

Yes. Passenger transportation and goods or food transport are among the self-employment sectors covered under LINDUNG Kendiri. Eligible Grab drivers, e-hailing drivers, and food delivery riders can register under the scheme.

Does LINDUNG Kendiri cover occupational diseases?

Yes. LINDUNG Kendiri provides protection against both work-related accidents and occupational diseases arising from self-employment activities, subject to PERKESO's eligibility requirements.

Can I change my contribution plan?

Yes. Contributors may change their insured monthly earnings plan after completing their current contribution period, subject to PERKESO's rules and requirements.

Can I pay my contributions monthly or yearly?

Yes. PERKESO allows eligible self-employed contributors to pay their LINDUNG Kendiri contributions either monthly or annually through its approved payment channels.

Where can I register or renew my contribution?

You can register, pay, and renew your LINDUNG Kendiri contribution through:

Prihatin Web
PERKESO Prihatin App
Certified Self-Employment Scheme Security Agents (EKSPS)
PERKESO offices nationwide

These channels also allow contributors to manage their contribution plans and update their information.

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