Foreign Workers Insurance

Foreign Workers Insurance

As an employer, you need to buy a medical insurance for each foreign worker you employ.

a) Foreign Worker Insurance Guarantee (IG)
This is a guarantee required by the Immigration Department from you as a security deposit for the employment of foreign workers (excluding Domestic Maid) under regulation 21 of the Immigration Regulations

It guarantees to pay the Director General of Immigration of Malaysian up to a maximum aggregate sum of the guarantee value, in the event that anyone of foreign workers is repatriated in the course of stay in Malaysia.

The amount of guarantee fees according to nationality, sum guarantee fees from the lowest RM250.00 until RM1500.00.

b) Foreign Worker Compensation Scheme (FWCS)
This is for employers who are employing foreign workers must comply with the statutory requirement Under Section 26(2) of the Amended Workmen’s Compensation to purchase this insurance to protect their foreign workers.

Covers / Benefits Provided
1) Death
2) Permanent Total Disablement
3) Permanent Partial Disablement
4) Temporary Total Disablement or Temporary Partial Disablement
5) Hospitalization & Medical Expenses
6) Repatriation Due To Death Or Permanent Disablement

c) Foreign Worker Hospitalization and Surgical Insurance Scheme (FWHS / SKHPPA)
This is designed to reduce the financial burden of the employer of foreign workers in the event of hospital admission of their foreign workers to a Non-Corporatized Malaysian Government Hospital due to an accident or illness

Covers / Benefits Provided
1) Daily Hospital Room & Board (max 30 days)
2) Intensive Care Unit (max 15 days)
3) Hospital Supplies & Services
4) Operating Theatre
5) Surgical Fees (excluding organ transplantation)
6) Anesthetist Fees
7) In-Hospital Physician Visits (max 30 days)
8) In-Hospital Specialist Consultation Visits (max 30 days)
9) Ambulance Fee / Medical Report Fees

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