Foreign Workers Insurance

详情

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

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.

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

As charged in accordance to charges consistent with Third (3rd) Class Room & Board to a maximum of RM160.00 per day in a
Non-Corporatised Malaysian Government Hospital in conformance to the charges specified under Perintah Fi (Perubatan) (Kos Perkhidmatan) 2014

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

** MAXIMUM OVERALL ANNUAL LIMIT (1 TO 8) PER INSURED - RM10000.00

b) Motor Vehicle Insurance – Agreed PAC & PAC
This is a Compulsory Insurance for all vehicles on the road are governed by the Road Transport Act 1987 which requires the vehicles to be insured under a minimum Third Party Bodily Injury Liability Insurance.

Private Car, Motorcycle and Commercial Vehicles (Lorry & Van)
There are three common types of motor vehicle insurance available:
1) Comprehensive Cover
- Cover for certain loss or damage to your vehicle

2) Third Party Liability
- Cover for certain loss or damage you or certain other people cause to third party

3) Third Party, Fire and Theft
- Cover for certain loss or damage to your vehicle by fire or theft only

c) Fire Insurance
This policy provides you with comprehensive insurance protection that is specially designed to meet your business needs.

Fire
Loss or damage to your property insured relating to your trade / business described in the policy schedule caused by fire or lightning or explosion of domestic boilers and gas used for domestic purposes only

Optional Sections as mentioned below:-

Fire Consequential Loss
Loss of profits, loss of revenue, loss of rental, 100% wages or salaries on payroll basis and increased cost of working due to business interruption arising from loss or damage to your property insured under the Fire Section due to fire and / or its selected perils

Equipment All Risks
Loss or damage to your business plant and machinery including office equipments and forklifts within your premises arising from fire, theft, accidental damage and contingencies that are not specifically excluded in the policy

Burglary
Loss of stocks, equipments and contents due to theft, only if accompanied by forcible or violent breaking into or out of your premises by any person or persons other than your own employees or loss as a result of armed robbery or robbery with violence and damage to the premises as a result thereof

Money
Loss of money during transit or loss of money kept in your premises and damage to your premises as a result of theft, armed robbery or forcible and violent entry into your premises

Fidelity Guarantee
Loss of monies and goods as a result of act of fraud or dishonesty of any of your employee. The act of fraud or dishonesty committed by your employee must have happened during the period of insurance and be discovered during the period of insurance and within six months thereafter, or within six months after the death, dismissal or retirement of your relevant employee, whichever event shall happen first

Plate Glass
Any accidental damage that are not specifically excluded in the policy to your fixed plate glass of every description including any writing, painting or ornamentation in your premises

Public Liability
Your legal liability to pay compensation for third party accidental bodily injury or accidental damage to the third party property caused by or through your negligence or your employees.

Group Personal Accident
Your insured employees in the event of disability or death caused by the accidental means

Keyman Personal Accident
Your key person in the company in the event of death and permanent disablement caused accidental means.

d) Company Group Personal Accident (GPA) Insurance
Group Personal Accident insurance (GPA) provides protection to your employees and their families in the event of death or disability due to an accident. Coverage can be limited to accidents related to their occupation only, or allow for any accident 24 hours a day. Covered events include:

• Accidental Death
• Dismemberment
• Permanent Total Disablement
• Permanent Disability Continental Scale Benefits

e) Travel PAC Insurance
Whether you’re a first-time traveler or a seasoned global wanderer, we’ve designed this comprehensive policy to protect you when traveling overseas. With 24-hour coverage and over 30 benefits to cover almost any travel eventuality, you’ll be well protected from the moment you leave home until your return.  
The 5 unique benefits of Travel PAC are:

• Automatic extension of period of insurance up to 30 days
• Protection for amateur sports includes scuba diving, winter sports, bungee jumping and more.
• Coverage for acts of terrorism and hijacking
• Home care benefits
• Protection against 17 infectious diseases

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