Rollout Nationwide, Coming Soon!
Secure your income in just 2 minutes.
First access = Faster claims, priority support, employer rewards!
A Strategic Collaboration Between
PELAN PENGGANTIAN PENDAPATAN (3P)
Malaysia’s First Income Protection Milestone Official Soft Launch Between Pertubuhan Keselamatan Sosial (PERKESO) and Sterling Insurance Brokers
Date
11 August 2025
Place
Sentral Ballroom, Hilton Kuala Lumpur
WHAT IS 3P?
Smart income protection for high-earning Malaysians.
Designed to complement your existing EIS coverage from PERKESO, 3P ensures your full income is protected.
Protect What You’ve Earned
Your EIS only covers income up to RM6,000/month. 3P covers the rest, so your lifestyle doesn’t take the hit.
Built to Work with PERKESO
3P doesn’t replace your EIS. It picks up where it stops, giving you seamless, extended coverage.
Simple. Digital. Instant.
No agents. No paperwork. Just a fast, transparent sign-up with instant premium confirmation.
WHY 3P MATTERS
Structured Support for Sustainable Recovery
Extended coverage for income above RM6,000 per month
While the Employee Insurance System (EIS) provides foundational support for income up to RM6,000, 3P steps in to extend protection — ensuring financial stability through challenging times.
From The First Ringgit
Under EIS, the Job Search Allowance (JSA) provides 3-6 months of support for income up to RM6,000, paid at decreasing rates of 80%, 50%, 40%, and 30%- subject to eligibility.
Bridging The Gap
3P provides income protection of up to RM24,000 per month — in excess of the first RM6,000 that has already been covered by EIS.
Extending The Rest
Capped at RM24,000 per month, 3P offers partial support for individuals earning more than RM30,000 helping maintain essential needs during difficult times.
ELIGIBILITY CRITERIA
You’re eligible if you…
👤 Are aged 18–60
🏢 Are an active PERKESO contributor
💸 Earn more than RM6,000/month
✍️ Work under a contract of service
KEY PRODUCT BENEFITS
Benefits You Will Get
Income Continuity
Get financial support if your income stops — designed for salaries above RM6,000/month.
Fast Payout
No long waits — receive your approved claims within just 14 working days.
Nationwide Support
Get assistance with enrolment and claims through any PERKESO branch across Malaysia.
Flexibility of Choice
Pick a plan that fits you — choose between Takaful or Conventional coverage.
Seamless Integration
Smartly syncs with your existing PERKESO protection, covering income above the RM6,000 threshold.
Built for Professionals
Tailored by industry experts to support modern professionals during career interruptions.
scheme follows international reinsurance standards and complements Malaysia’s Loss of Employment (LOE) benefits under PERKESO.
This It provides added protection during retrenchment or restructuring — offering peace of mind for higher-earning individuals. It mirrors corporate safeguards, now made personal.
HOW IT WORKS
Your Coverage, Step by Step
Here’s how to enrol and get protected in just a few simple steps.
Step 1
Sign Up
Create your account with phone number and MyKad. It takes less than 2 minutes.
Step 2
Check Eligibility
We verify your PERKESO contribution instantly via API. No paperwork, no uploads.
Step 3
Choose Your Plan
Pick your monthly salary range and choose Takaful or Conventional coverage.
Step 4
Confirm & Download
Done! Your digital certificate is issued by Etiqa & available instantly in your dashboard.
PAYOUT SCENARIOS
Payout Scenarios
When EIS ends, 3P steps in to support your income.
Hakim, 38
Sales Manager G Single Father, Kuala Lumpur
Mid-Level Executive
Monthly Salary
RM30,000
PERKESO EIS
RM6,000
3P covers
RM6,000
Total Payout
RM36,000 over 6 months
Death Benefit
RM6,000 one-off
As a single father, 3P gives Hakim peace of mind while he focuses on providing for his daughter.
Nagalinggam, 32
Engineer, Pengerang, Johor
Senior Manager
Monthly Salary
RM10,000
PERKESO EIS
RM6,000
3P covers
RM4,000
Total Payout
RM24,000 over 6 months
Death Benefit
RM4,000 one-off
Working in an unpredictable industry, Priya relies on 3P as her financial safety net.
Mei Ling, 55
Senior Sales Manager, Penang
C-Suite Exec
Monthly Salary
RM30,000
PERKESO EIS
RM6,000
3P covers
RM6,000
Total Payout
RM144,000 over 6 months
Death Benefit
RM24,000 one-off
With retirement on the horizon, Mei Ling counts on 3P to protect what she’s worked so hard to build.
TESTIMONIAL
Don’t Take Our Words for It...
See a testimony about how we helped someone in need!
Aida, CFO.
Lost her job overnight.
“I never imagined I’d need income protection - until I did.”
“Everything changed with one email.”
Her salary stopped, but her bills didn’t.
Shariah-Compliant.
Built with You in Mind.
Mutual risk-sharing.
No hidden fees.
Zero discrimination.
3P – Income Protection Plan
When PERKESO stops, 3P starts. Smart, secure, and digital-first protection.
“Gives me time to breathe.”
✅ Up to RM24,000/month payout
✅ Coverage up to 6 months
✅ No medical checkups
✅ Quick digital enrolment
Stability. Not just survival.
3P gave me space to plan, not panic. No forms. No hassle. Just protection.
Earning over RM6,000/month?
Your income above that isn’t covered by PERKESO. 3P steps in to fill the gap. Simple sign-up. Instant premium calculation.
*Aida’s story is fictional, but inspired by real challenges faced by Malaysian professionals."
FAQ
Frequently Asked Questions
Ready to Get Covered?
Secure your income in just 2 minutes.
Join thousands of professionals already bridging the EIS gap with 3P. No paperwork. No waiting.