Housewife

The Housewives’ Social Security Scheme (SKSSR) was implemented on 1 December 2022 under the Housewives’ Social Security Act 2022, aimed at providing social security protection to housewives against domestic accidents and invalidity while managing the household.

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Panduan Pengguna Portal SKSSR

Definition of Housewife

A woman whether married or unmarried, who manages the household on a full-time or part-time basis, including a wife, mother, divorcee, widow or a single mother.

Contribution

A contribution of RM120 shall be paid in advance, covering a period of 12 consecutive months. Such contributions may be made for and on behalf of the housewife, by her husband, the housewife, family members or any third party.

The principle of 'Once in, Always in' will apply to husbands who choose to make contributions for their wives.

Coverage

SKSSR provides protection to housewives against domestic accidents or other incidents in the course of performing their household duties and affairs.
SKSSR also protects housewives who are afflicted with illness or invalidity.

Eligibility

Malaysian citizens / permanent residents
Housewives who have not reached the age of 55/not yet reached the age of 54 on the first date contribution made to SKSSR
Advance payment of contributions, which covers a period of 12 months.

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Domestic Accident Protection Benefits

Medical Benefit

Housewives affected by domestic accidents may seek medical treatment and outpatient treatment at hospitals, clinics or other institutions.

Permanent Disablement Benefit

Housewives who suffer one or more permanent disabilities arising from domestic accidents, may apply and shall be entitled to a lump sum payment of Permanent Disablement Benefits upon recommendation of a medical assessor or Appellate Medical Board.

Constant Attendance Allowance

Paid monthly to housewives who receive Permanent Disablement Benefit or Morbid Allowance as a result of severe incapacity to the extent that personal care of other people is constantly required.

Housewives will be eligible recipients of this allowance upon recommendation of a medical assessor or Appellate Medical Board. Payment of allowance will cease when the housewife reaches the age of 55 or dies.

Funeral Benefit

A one-off funeral benefit of RM2,000 shall be paid to eligible dependants in the event that the insured housewife dies before reaching the age of 55.

Physical Rehabilitation or Dialysis Facilities

Physical Rehabilitation or Dialysis facilities shall be provided to eligible housewives after being certified as having permanent disability or invalidity by a medical assessor or Appellate Medical Board.

If necessary, housewives will be provided with prosthetics, orthotics or other devices, at no cost.

Survivors' Pension

In the event that a housewife dies as a result of a domestic accident or while receiving Morbid Allowance, provided death occurs before the age of 55, a Survivors’ Pension shall be paid to her eligible dependants - including her widower until he reaches the age of 55 or dies, and to each child up to the age of 21 or until they are married. If the deceased housewife leaves behind no widower or child, the pension shall be paid to the mother or father until the age of 55 or dies.

Survivors' Pension will continue to be paid to children who are studying until they complete their first degree or until they are married. This pension shall be paid continuously to mentally or physically disabled children who are unable to support themselves, until the age of 55.

Invalidity Protection Benefits

Morbid Allowance

Paid monthly to housewives who suffer from disability upon recommendation of a medical assessor or Appellate Medical Board.

Housewives shall be considered disabled as a result of an accident which leaves her unable to carry out most of her household activities.

Payment of this allowance shall cease when the housewife recovers from the disability or when she reaches the age of 55 or dies.

Constant Attendance Allowance

Paid monthly to housewives who receive Morbid Allowance or Permanent Disablement Benefit due to severe incapacity to the point of constantly requiring personal care of others.

Housewives shall be eligible to receive this allowance after being certified by a medical assessor or Appellate Medical Board. Payments of the allowance shall cease when the housewife reaches the age of 55 or dies.

Physical Rehabilitation or Dialysis Facilities

Physical Rehabilitation or Dialysis facilities are provided to eligible housewives after being certified to suffer from invalidity or permanent disability by a medical assessor or Appellate Medical Board.

If necessary, housewives shall also be provided with prosthetics, orthotics or other devices, at no cost.

Funeral Benefit

A one-off funeral benefit of RM2,000 shall be paid to eligible dependants if the insured housewife dies before reaching the age of 55.

Survivors’ Pension

In the event that a housewife who receives Morbid Allowance dies or she dies as a result of a domestic accident, provided death occurs before the age of 55, a Survivors' Pension shall be paid to eligible dependants including her widower until he reaches the age of 55 or dies, and to each child up to the age of 21 or until they are married. If the deceased housewife leaves behind no widower or child, the pension shall be paid to the mother or father until the age of 55 or dies.

Survivors' Pension shall continue to be paid to children who are studying until they complete their first degree or until they are married. This pension shall be paid continuously to mentally or physically disabled children who are unable to support themselves, until the age of 55.