KUALA LUMPUR: Mohd Ridhuan Zaini, 46, was left reeling after paying RM4,800 out of his own pocket for surgery following a motorcycle accident that left him with a fractured shoulder.
The driver, who has more than 20 years of experience, declined to work on a Saturday in December last year due of a family commitment. Later that day, he skidded and fell while riding his motorcycle, leaving him injured and unable to work for more than a month.
Without personal medical insurance, Ridhuan had to rely on his company's medical coverage, as he was not eligible for Social Security Organisation (Perkeso) protection because the accident occurred outside working hours.
"I thought the Lindung 24 Jam scheme had already taken effect by then, but it had not.
