中文/Chinese/Bahasa Cina:

社会保险机构（PERKESO或SOCSO）

马来西亚社会保险机构共提供2项保险计划，即工作意外保险计划及残废退休金保险计划。

1. 工作意外保险

– 工作意外保险计划所提供的援助包括医药照顾、暂时性丧失工作能力利益、永久性伤残利益、经常照料津贴、遗属利益、殡葬补贴利益、康复训练利益及教育待援利益。

– 上述保险计划是保障员工每日从住家所到的工作地点的来回行程、在规定的休息或用餐时间，来回工作地点及用餐地点的行程、与工作有关的来回行程。

– 上述在工作行程上所发生的意外，都获得社险的保障，因为员工在发生意外时没有离职，因而被列为因公受伤。

– 除此之外，任何在工作地点，因操作机器或在工作时间、因工作而发生的意外、在雇主家发生紧急事件时，因救人而受伤或因工作受感染疾病的案例，如果符合条件，都会获得接受而给予保障。

– 一个长期在高度噪音地点工作的员工就此变成耳聋、锯木厂员工因长期吸入灰尘而造成呼吸器官疾病等，这些也是受保障的范围内，之前也有案例在内。

2. 残废退休金保险

– 这是为员工提供24小时保障的保险计划，与工作没有关系的伤残、残疾或任何情况下死亡都受到保障，残障的定义是指员工健康状况恶劣，无法被医治，也同时无法赚取同等资格员工所能赚取的三份一收入。

– 这项保险计划所提供的援助包括残废退休金、残废援助金、经常照料津贴、遗属抚恤金、殡葬补贴利益、康复训练利益及教育贷款利益。

3. 社会保险死亡抚恤金

– 因工伤而去世或在领取残疾救济金期间去世的会员，为其办理葬礼者，可以获得殓葬费补助或1千500令吉补助金，视何者为低。

– 根据当局规定的优先级，优先可获得殓葬费依序是死者遗孀，如果多过一名则平均分配，依序为鳏夫、长男、长女、父母，父母皆健在则可均分。

– 如果没有符合上述资格的家属，殓葬费则交由负责安排葬礼的人士，数额限于1千500令吉和实际开销，须以收据为证。

PERKESO 将赔偿多少钱给予受保者？

1. 工作期间死亡

– 受保者伴侣或子女将会每月获得受保人的90%薪水赔偿，每月最高赔偿额3555令 吉。

2. 患病无法工作

– 受保者每月获得65%薪水赔偿，每月最高赔偿额2567 令吉50仙。

注意：以上的资料为华文翻译版本，或将出现误差或错误，详情请向PERKESO/SOCSO查询和了解。

如何查看自己是不是社会保险PERKESO

浏览以下网站查看自己是否是合格的会员： http://esemak.perkeso.gov.my/

雇主可以选择Majikan，雇员选择Pekerja

输入身份证号码或雇主编号。

就可以了。雇主应在第一时间将员工送进政府医院，并必须在PERKESO提出申请。那么，员工之后的医疗费用及薪水将由社险承担，最长期限为

员工所获得的赔偿将依据以下的条件：

伤者须要求院方发出直到出院为止的请假单

伤者所获得的薪水，是根据在受伤前个月平均薪水否实为该公司员工及在上班时间受伤

若员工因为工伤而长卧不起，社险将支付月薪予伤者，直到“奇迹”出现或往生为止

医药器材及医药费都由PERKESOPERKESO令吉帛金，而薪水将转付给妻儿，孩子还能获得万令吉大学学费或奖励金。

万一会员不幸去世：

根据社险官网，会员在受保期间因工作意外、或因永久性失去工作能力期间逝世，该机构将拨出令吉帛金，或承担葬礼支出，视何者为最低。不过，申领者必须是已故会员生前所提名的受益人，否则有关拨款将交给执行葬礼的人士。

跟公积金不同是，公积金会员只有在岁之前才有死亡抚恤金和残障援助金，而社会保险机构（PERKESO）会员没有年龄限制。

受益人如何申请领取死者的社会保险？

填写申领表格（Borang 26）/ 受益人的辅助文件。

案例分析:

一名在电视台担任摄影师的员工，外出采访遭遇车祸，手部受伤，医生开出病假单，要他休养两个月。这时，他就面临了必须请无薪假的窘境。

多亏他平时留意社险的福利，因此他立即申请了“暂时失去工作能力”的福利。一个月内，他领了两千多令吉的社险福利金，补贴了生活所需。

另外，所有年以后逝世，且年龄未到PERKESO会员，只要受益人掌握死者的死亡证书及结婚证书，在任何时候都能到社险索赔。

PERKESO是根据死者的死亡年份，逐年计算赔偿款项，之后还会支付家属每月500令吉。

英语/English/Bahasa Inggeris: 

Social Insurance Institution (PERKESO or SOCSO)

The Malaysian Social Insurance Institution provides two insurance plans, namely the Work Injury Insurance Plan and the Invalidity Retirement Pension Insurance Plan.

1. Work Injury Insurance

• Assistance provided by the Work Injury Insurance Plan includes medical care, temporary loss of work capacity benefits, permanent disability benefits, frequent care allowances, survivor benefits, funeral subsidies, rehabilitation training benefits, and education aid benefits.

• The above insurance plan covers accidents that occur during an employee’s daily commute from home to work and vice versa, round trips between the workplace and designated rest or meal times, and travel related to work.

• Accidents that occur during work-related travel are covered by social insurance because the employee is considered to be injured on duty.

• In addition, any accidents that occur while operating machinery at the workplace, accidents that occur during work or due to work-related activities, injuries sustained while saving people during an emergency at the employer’s home, and cases of infectious diseases contracted at work are all eligible for coverage if the conditions are met.

• Employees who become deaf after working in a high-noise environment for a long time and sawmill workers who suffer from respiratory diseases due to long-term inhalation of dust are also covered under the plan, and there have been previous cases in this regard.

2. Invalidity Retirement Pension Insurance

• This is a 24-hour insurance plan that provides coverage for employees, regardless of whether the disability, injury, or death is work-related. Disability is defined as a poor state of health where an employee is unable to receive medical treatment and is also unable to earn one-third of the income that a similarly qualified employee can earn.

• Assistance provided by this insurance plan includes invalidity retirement pension, disability aid, frequent care allowances, survivor benefits, funeral subsidies, rehabilitation training benefits, and education aid benefits.

3. Social Insurance Death Benefits

• Members who die as a result of work-related injuries or who die while receiving disability benefits are eligible for funeral assistance or an RM1,500 subsidy, whichever is lower.

• According to the priority set by the authorities, the order of priority for funeral assistance is the deceased’s widow, and if there is more than one, the assistance is distributed equally among them, followed by the widower, eldest son, the eldest daughter, and parents. If both parents are alive, they will share the subsidy equally.

• If there are no eligible family members, the funeral expenses will be paid to the person responsible for arranging the funeral, up to a maximum of RM1,500, with receipts required as proof.

How much will PERKESO compensate the insured?

1. Death during work

• The insured’s spouse or children will receive 90% of the insured’s salary as compensation each month, with a maximum monthly compensation of RM3,555.

2. Unable to work due to illness

• The insured will receive 65% of their salary as compensation each month, with a maximum monthly compensation of RM2,567.50.

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