Safeguard the needs of your foreign worker while protecting your business
Our Foreign Workers Insurance offers comprehensive cover by covering risks of the interest and welfare of foreign workers in Malaysia. Rest assured; we’ve got your protection covered with our array of insurance choices. Whether it’s Foreign Worker Hospitalization & Surgical Insurance (SKHPPA), FWHS, or Foreign Worker Insurance Guarantee – FWIG, we have the perfect solutions tailored just for you.
Share your information below, and our dedicated team will craft personalized quotes to suit your needs. Dive into the details of each coverage below Find below details on each coverage.
Foreign Worker Hospitalization & Surgical Insurance (SKHPPA)
Foreign Worker Hospitalization & Surgical Insurance Scheme (SKHPPA) is a yearly renewable hospital and surgical insurance scheme 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-Corporatised Malaysian Government Hospital due to an accident or illness.
COVERAGE
| Item | Benefits | Amount (RM) |
| 1(a) | Daily Hospital Room & Board (Maximum up to 30 days) | As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatised Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fees (Medical) Order 1982. |
| 1(b) | Intensive Care Unit (Maximum up to 15 days) | |
| 2 | Hospital Supplies & Services | |
| 3 | Operating Theatre | |
| 4 | Surgical Fees | |
| 5 | Anesthetist Fees | |
| 6 | In-Hospital Physician Visits (Maximum up to 30 days) | |
| 7 | In-Hospital Specialist Consultation Visits (Maximum up to 30 days) | |
| 8 | Ambulance Fees/Medical Report Fees | |
| Maximum Overall Annual Limit (Item 1-8) per Insured Person | RM20,000.00 | |
EXCLUSIONS
- Plastic/Cosmetic surgery; Dental treatment or oral surgery; Treatment or surgical operation for congenital abnormalities or deformities;
- Pregnancy or miscarriage; Treatment which is not Medically Necessary; Suicide or self-inflicted injury while sane or insane;
- Accidental injuries or illnesses arising from racing or hazardous sports. Cardiovascular diseases and all cancers occuring within the first one hundred and twenty (120) days of Insurance of the Insured Person;
- Pre-existing conditions unless the Insured Person passes the medical examination as confirmed by FOMEMA Sdn Bhd (FOMEMA) within 30 days from the Insured Person’s arrival to Malaysia.
Foreign Worker Insurance Guarantee – FWIG
It serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event of deportation of the foreign worker back to his/her country of origin due to various reasons such as:
COVERAGE
Get in Touch
Drop your info in the form and we’ll be in touch with quote and get it going for you!
