KUALA LUMPUR: The Non-Workplace Accident Scheme (SKBBK), introduced under amendments to the Employees’ Social Security Act 1969, does not impose an age limit on employee coverage.
Human Resources Minister Datuk Seri R. Ramanan (pic) said employees remain eligible for protection under the scheme as long as they are still working, including those aged above 60.
"In addition, SKBBK does not have a retrospective effect, meaning it does not cover accidents that occurred before its effective date.
"The scheme only applies to accidents that take place after the effective date of this Bill,” he said when winding up the debate on the Employees’ Social Security Bill 2025 in the Dewan Negara on Thursday (Dec 18).
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Ramanan added that SKBBK coverage is limited to accidents occurring within Malaysia, as enforcement, investigation and implementation of the scheme are subject to the country’s laws.
He said employees sent abroad on official assignments will continue to be covered under the Work Accident Scheme throughout the duration of their posting, including during reasonable daily activities such as going out for meals near their place of accommodation after working hours.
"Protection does not apply, however, if an accident occurs during personal activities unrelated to official duties, such as sightseeing, shopping or leisure travel.
"Coverage is also subject to further investigation by the Social Security Organisation (PERKESO), depending on the applicable laws," he said.
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Earlier, when tabling the Bill, Ramanan said the amendments include provisions for setting contribution rates in stages and introducing new contribution categories to enable employees to contribute to SKBBK through their employers.
"The contribution rate will be implemented in three phases – 0.75% in the first phase, 1.0% in the second phase and 1.25% in the third phase.
"This phased approach is intended to ensure that the financial impact on employees remains minimal and sustainable," he said.
The Employees Social Security Bill (2025) was subsequently passed after being debated by 11 senators. – Bernama
