Employees suffering from employment injuries or occupational diseases may receive free medical treatment at PERKESO’s panel clinic or Government clinic / hospital until they are fully recovered.

For serious injuries, medical care may be obtained from the Government hospital and the employee is eligible for second class ward treatment. Specialist treatment will be provided, if required.

Reimbursement 
Employers or employees can claim for reimbursement of expenses incurred in respect of medical treatment at PERKESO’s non-panel clinic. Application can be made to PERKESO and the reimbursement is subject to such condition as determined by the Organisation or according to Fees Act 1951.

Period of Temporary Disablement
Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than 4 days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days for which the employee works and earns wages during this period.

Rate of Temporary Disablement Benefit
The daily rate of Temporary Disablement Benefit is 80% of the employee’s average assumed daily wage. The minimum rate is RM30.00 per day while the maximum rate is RM158.67 per day. 

Employees who suffer from permanent disability due to employment injury can apply for this benefit. 

Rate of Permanent Disablement Benefit
The daily rate of Permanent Disablement Benefit is 90% of the employee’s average assumed daily wage, subject to a minimum of RM30.00 per day or a maximum of RM178.50 per day.

Claim Period
Claim must be made within 12 months from the last date of the temporary disablement.

Assessment and Payment
Assessment and Payment Claims will be referred to the Medical Board for permanent disability assessment

• If the assessment does not exceed 20%, payment can be made in the form of lump sum
• If the assessment exceeds 20%, the employee is given an option to commute 1/5 of daily rate of the benefit into a lump sum payment while the balance will be paid monthly for whole life

This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constantly require the personal attendance of another person, certified by Medical Board or Special Medical Board or the Appellate Medical Board.

The allowance is fixed at RM500 per month.

These facilities are given to eligible employees in the form of:

i. Physical rehabilitation that includes: 

• Physiotherapy 
• Occupational therapy  
• Reconstructive surgery
• Supply of prosthetics, orthotics and other appliances
• Supply of orthopedics apparatus such as wheelchair, crutches, hearing aid, spectacles, special shoes and others
  
  

ii. Vocational rehabilitation that includes:

• Training in courses such as electrical, sewing, radio/TV repair, typing and others. All expenses incurred for the above rehabilitation facilities will be borne by PERKESO based on stipulated rates, terms and conditions.
  
  

 All expenses incurred for the above rehabilitation facilities will be borne by PERKESO based on stipulated rates, terms and conditions.

If an employee dies as a result of an employment injury, his dependants are entitled to this benefit.

Rate of Daily Benefit To Be Paid
Daily rate is 90% of the average assumed daily wage subject to a minimum of RM30.00 per day and a maximum of RM178.50 per day.

Dependants and Daily Rate Share
i. The daily rate share for for Dependants’ Benefit is based on the following priorities:

ii. If an employee dies and does not leave any widow or widower or children, the Dependants’ Benefit will be paid to:

Funeral Benefit with amount of RM3,000 (effective from 1 June 2024) will be paid to the eligible person if the employee dies as a result of employment injury or while he/she is in receipt of Permanent Disablement Benefit. In the absence of such person, the benefit will be paid to the person who actually incurs the funeral expenditure.

The amount paid will be the actual amount incurred or RM3,000 whichever is lower.

This benefit is in the form of loans may be provided to a dependant child of an insured person who:

• Dies as a result of employment injury
• Is in receipt of periodical payments for Permanent Disablement Benefit

Service Charge PERKESO Education Loan

Effective 1st January 2013, service charge education loan for all borrowers who received education loan offered before 1st January 2009 has been reduced from 4% to 2%. Meanwhile, for new borrowers who received education loan offered after 1st January, services charged still remain at 2%.