Johor Perkeso clarifies that cross-border workers running self-employed ventures in Malaysia remain eligible for social security coverage.

Malaysians employed in Singapore but operating self-employed ventures in Malaysia — such as e-hailing or food delivery services — can still contribute to the Self-Employment Social Security Scheme (Lindung Kendiri) under the Social Security Organisation (Perkeso), ensuring continued protection against accidents, illness, or disability.

Cross-Border Workers Remain Eligible

Johor Perkeso director Tong Sing Chuang confirmed that Malaysians working in Singapore but also running side businesses in Malaysia — such as Grab drivers or food delivery riders — can apply for the Lindung Kendiri scheme.
“Those working in Singapore who are also self-employed in Malaysia can still make contributions under Lindung Kendiri. There is no problem for them to apply,” he said in a statement to Bernama.

Bridging the Protection Gap

Tong noted that there is currently no dedicated protection scheme for Malaysians employed by Singapore-based companies. However, if a foreign company operates in Malaysia and registers with the Companies Commission of Malaysia (SSM), its workers may be eligible for Perkeso protection.
The Lindung Kendiri scheme provides coverage for work-related injuries, disabilities, or death for self-employed individuals — a crucial safety net for Malaysians with cross-border livelihoods.

Over a Million Malaysians Work in Singapore

According to Malaysia’s Human Resources Ministry, more than 1.18 million Malaysians work in Singapore, with an estimated 300,000 to 400,000 commuters crossing the Causeway daily. Human Resources Minister Steven Sim announced last year that Perkeso is conducting a feasibility study for a social security insurance scheme tailored to Malaysians working in Singapore, particularly daily commuters.

Expanding Coverage to Housewives

In a separate statement, Tong also encouraged housewives to register under the Housewife Social Security Scheme (Lindung Kasih), which offers protection against household-related accidents, illnesses, or disabilities.
“This protection includes situations such as injuring your hand while preparing food or slipping in the bathroom,” he explained. The scheme is open to women under 55 years old and requires only a single annual payment.

Strengthening Malaysia’s Social Protection Network

The clarification from Perkeso underscores Malaysia’s effort to ensure inclusive social protection for all segments of its workforce — including cross-border workers and unpaid domestic contributors. The schemes not only bridge protection gaps but also reflect Malaysia’s growing focus on social welfare modernization in an era of gig work and mobility.

As more Malaysians pursue hybrid employment between Singapore and Malaysia, Perkeso’s assurance offers a crucial layer of financial security. The initiative reinforces Malaysia’s commitment to safeguarding its citizens’ welfare — whether they earn across borders, work in informal sectors, or dedicate themselves to household duties.

Sources: Malay Mail (2025) , The Star (2025)

Keywords: Perkeso, Lindung Kendiri, Malaysians in Singapore, Social Protection, Self Employment, Johor