Every foreign worker require to be covered by Insurance during employment period in Malaysia.   Foreign Worker Compensation Scheme Schedule (FWCS) and  Hospitalisation and Surgical Scheme For Foreign Workers (SKHPPA) are required to insure foreign workers.  The cost of insurance shall be provided by employers during employment period.

Foreign Workers Compensation Scheme (FWCS)

This scheme provides for the payment of compensation benefits to a foreign worker who possesses valid employment document for injuries sustained due to accident which arises out of or in the course of employment or if the death results from the accident.  Protect your foreign workers against workplace accidents.

Foreign Workers Compensation Scheme (FWCS)

Foreign Workers Hospitalisation & Surgical Insurance (SKHPPA)

A yearly renewable hospital and surgical insurance designed to reduce the financial burden of the employer of foreign workers in the event of hospital admission to a Non-Corporatised Malaysian Government Hospital due to an accident or illness.

Foreign Workers Hospitalisation & Surgical Insurance (SKHPPA)

Foreign Workers Insurance Guarantee (FWIG)

Covers your costs should your foreign workers be repatriated.

This guarantee is required by the Immigration department from an Employer 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 be repatriated in the course of stay in Malaysia.

The amount of guarantee varies according to nationalities. e.g.: RM250.00 for each Indonesian and RM500.00 for each Bangladeshi.

Append below the circumstances under which the BG or IG may be called by the Immigration Department :

  1. Breach of Section of the Immigration Act of Malaysia
  2. If worker get married/become pregnant during her stay
  3. If worker remains in Malaysia after the expiry of permit or visa
  4. If the employer fails to provide air passage for the worker to his country of origin upon expiry of permit/visa
  5. If the employer fails to provide costs of transportation for the worker mortal remains to his country of origin
  6. If the employer refuses to pay the worker’s salary
  7. If the worker involved in illegal and illicit activities, such as drug, immoral work and others
  8. If the worker engages in any of employment paid or unpaid or in any business or any occupation or activity detrimental to security and well being of Malaysia

Note: All employers have to either place cash or obtain an Insurance Guarantee (IG)/Bank Guarantee (BG) in favour of the Immigration Department for each worker they employ. The employers, especially those who employ a number of workers normally obtain the IG/BG from insurance companies rather than placing cash or using their own Bank facilities.

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