Foreign Worker Insurance Scheme in Malaysia

Malaysia Foreign Worker Insurance Scheme

Arranged By

ACPG Management Sdn Bhd

03-92863323

011-12239838 Whatsapp

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Sharing Topic For Malaysia Foreign Worker Insurance Latest Update in Year 2019

 

Replacement Foreign Workers Compensation Scheme (FWCS) to SOCSO Employment Injury Scheme

 

Starting 1 January 2019, Replacement Foreign Workers Compensation Scheme (FWCS) to SOCSO Employment Injury Scheme. SOCSO will take over the compensation for foreign workers according to the provision under the Employees’ Social Security Act 1969 (Act 4) covering the Employment Injury Scheme only.

 

OBJECTIVE

The purpose of this Circular is to inform all employers regarding the registration procedure, submission of contribution records, payment of contribution and processing of benefit claims for foreign workers with effect from 1 January 2019.

 

BACKGROUND

1) From April 1993, accident compensation for foreign workers came under the Workmen’s Compensation Act 1952 (Act 273) which was enforced by the Department of Labour.

 

2) With effect from 1 January 2019, SOCSO will take over the compensation for foreign workers according to the provision under the Employees’ Social Security Act 1969 (Act 4) covering the Employment Injury Scheme only.

 

EFFECTIVE DATE OF IMPLEMENTATION

1) All foreign workers with valid insurance coverage under the Foreign Workers Compensation Scheme (FWCS), the Department of Labour Peninsular Malaysia (JTKSM), Sabah and Sarawak will continue to be covered under the FWCS until the expiry date in 2019.

 

2) The coverage of SOCSO’s Employment Injury Scheme will only take effect after the expiry of FWCS coverage.

 

3) If the maturity date of FWCS extends beyond 2019, the Employment Injury Scheme will automatically apply to all employers who employ foreign workers starting from 1 January 2020.

 

4) For new foreign workers working in Malaysia beginning on the 1 January 2019, employers must directly register them with SOCSO under the Employment Injury Scheme.

 

APPLICATION

1) The registration procedures, submission of contribution records, payment of contribution and processing of benefit claims for foreign workers and their dependents are similar to the existing process for Malaysian citizens and permanent resident workers under Act 4. However, the following steps should be taken as follows:

 

a) Foreign Workers Registration

i. Employers must register their foreign workers via ASSIST portal or complete the Foreign Worker Registration Form as in Attachment A and submit it to the nearest SOCSO office.

 

ii. Foreign workers are eligible to be registered with SOCSO if they possess valid working permits or equivalent documents issued by the Immigration Department of Malaysia.

 

iii. Employers must submit supporting documents such as a photocopy of the front page of the passport containing employee details, valid working permit or entry permit or equivalent documents for SOCSO’s use.

 

iv. All foreign workers must register to obtain the Foreign Worker Social Security No. (12-digit KSPA No.), which is compulsory for the submission of employee contribution record.

 

v. The 12-digit KSPA NO. must be referred to when dealing with SOCSO on all matters related to foreign workers despite any subsequent changes to the worker’s passport details, valid working permit or equivalent document in the future.

 

b) Submission of Foreign Worker Contribution

i. Employers must make contribution payment based on the Second Category for the Employment Injury Scheme under Act 4, which is for the employer’s share only as in Attachment B.

 

ii. All foreign worker contribution payments must be made online through the ASSIST Portal or internet banking by using KSPA No.

 

c) Claims

i. All foreign workers benefit claims must submit a complete Foreign Worker Claim Notification Form as in Attachment C, together with supporting documents, and not using the existing Form 34.

 

ii. Foreign workers are not eligible to claim for education loan benefit, vocational rehabilitation, dialysis treatment that is not under the Employment Injury Scheme, and Return to Work programme.

 

iii. Foreign workers who die in Malaysia due to employment injury and are buried in their country of origin, are eligible for RM6,500 in Funeral Benefit.

 

iv. Other than the situation above, Funeral Benefit under the Employment Injury Scheme will be RM2,000 and is paid to eligible dependents. If there are no dependents, the amount of Funeral Benefit will be based on the amount stated in the funeral receipt, or whichever is lower.

 

QUERIES

If there are any enquiries regarding this Circular, please contact SOCSO Customer Service Centre, Headquarters (HQ) at 1300 22 8000.

 

Employers can also visit Socso official website, http://www.perkeso.gov.my or go to the nearest SOCSO office for more information.

 

SOCIAL SECURITY ORGANISATION

MENARA PERKESO

281, JALAN AMPANG

50538 KUALA LUMPUR

1300 22 8000

 

Employers still Compulsory need to purchase insurance scheme as below

 

Foreign Worker Insurance Scheme (FWIG)

Why do I need FWIG?

Mandatory cover for your foreign worker

 

Taking good care of your workers will ensure the smooth running and success of your business operations. Foreign Worker Insurance Scheme, will take care of the needs of your foreign workmen while protecting your business from disruptions in the event of illnesses or accidents.

 

Foreign Worker Insurance Guarantee (FWIG)

Foreign Worker Insurance Guarantee is a guarantee required by Immigration Department under Regulation 21 of the Immigration Regulations from Employers as a security deposit for the employment of foreign workmen in various sectors.

 

In the event that any of the foreign workman(men) is/are to be repatriated to their home country, this insurance serves as a guarantee to the Director General of Immigration Department up to the maximum aggregate sum of the guarantee value.

 

The Insurance Guarantee offered under this scheme does not include foreign maids.

 

Why do I need FWHSS (SKHPPA)?

Mandatory cover for your valuable asset

 

Taking good care of your workers will ensure the smooth running and success of your business operations. Foreign Worker Insurance Scheme, will take care of the needs of your foreign workmen while protecting your business from disruptions in the event of illnesses or accidents.

 

Foreign Worker Hospitalisation & Surgical Scheme (FWHSS) SKHPPA

 

In view of increasing Hospital and Surgical charges, this Scheme is specially designed to reduce the financial burden of the Employers of foreign workers in the event of hospital admission of their foreign workers due to accident or illness.

 

Foreign Worker PA Benefits During ON and OFF Duty with 24 hours Coverage

Employers available option to purchase a supplementary Personal Accident (Foreign Worker PA) cover for foreign workers has been developed to provide 24 hours protection.

 

Details of cover are as below:

Accidental Death RM 25,000.00

Permanent Disablement RM 25,000.00

Medical Expenses RM 1,000.00

Funeral Expenses /

Repatriation of Mortal Remains RM 5,000.00

 

Cover

Cover 24 hours PA Coverage

 

Eligibility

Foreign Workers with valid passport and working permit.

 

Premium Rate

RM 60.00 per annum

Subject to 6%SST and RM 10 Stamp Duty per policy.

 

Malaysia Foreign Workers Insurance Scheme

Arranged By

ACPG Management Sdn Bhd

Your Trusted Medical Insurance Advisory since year 1989

A Member of Malaysia Medical Insurance Organisation (MMI)

http://www.acpgconsultant.com

http://www.medicalinsurance.com.my

+603-92863323

+6011-12239838 Whatsapp Team

 

#Foreignworkerinsurance

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Contractor All Risk Insurance, Erection All Risk Insurance, Public Liability Insurance, Workmen Compensation Insurance arranged by ACPG Management Sdn Bhd

Engineering Insurance Malaysia

Construction Insurance Malaysia

Contractors’ All Risks Insurance Malaysia

Erection All Risks Insurance Malaysia

Public Liability Insurance Malaysia

Workmen Compensation Insurance Malaysia

Foreign Worker Insurance Malaysia

Arranged By

ACPG Management Sdn Bhd

+603-92863323, +6011-12239838

Construction Insurance Malaysia

A proven leader in the construction industry, ACPG Insurers delivers integrated property & casualty and specialized insurance solutions which are tailored to construction risks from:

Residential and Commercial Projects

Civil Engineering Projects such as pipelines, dams, roads and rail

Power and Energy Projects of all sizes

Petrochemical and Industrial plants

Our unique industry practice group provides clients with a comprehensive spectrum of products including Project Cargo, Casualty, Surety, Environmental and Project Professional Indemnity.

Whether you’re a Principal, Property Developer, Main Contractor, we will work collaboratively with you and your broker to help develop seamless and effective risk management solutions.

OUR STRENGTHS

By working with ACPG Insurers Construction Industry Practice, you will benefit from our strengths which encompass:

Local knowledge backed by global capability

Comprehensive suite of services

Experienced underwriting team

Dedicated Construction Risk Engineers

Superior Claims Handling and Administration

Consultative approach to loss prevention and mitigation

Tailor-made programs backed by client-centric service

Broad coverage

Long-term focus on client relationships

PRODUCT RANGE

ACPG Insurers Construction Industry Practice offers a range of products and services including:

Contract Works

Delay in Start Up

General Liability

Umbrella/Excess Casualty Covers

Project Professional Liability

Environmental Pollution Liability

Contract Surety

Construction Risk Management Services

Marine Cargo including DSU

Directors & Officers Liability

Terrorism

Construction All Risks – Builder Risk

Contractors, property developers and principals will all benefit from this insurance, which provides both single risk project cover and annual polices. It is available on a standalone basis but can also be packaged with excess casualty (GL), employers’ liability or environmental impairment liability.

PRODUCT HIGHLIGHTS

ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts

ACPG Insurers are recognised technical expertise in the sector

Our expertise in claims handling and investigation is widely acknowledged

ACPG Insurers seek to develop long-term relationships with clients

COVER

Our standard cover includes contract materials and/or works.

Cover can be extended to include:

Contractors’ plant and equipment

Delay in start up

Non-negligent liabilities

Public liability

Construction All Risks – Civil Engineering

This insurance provides contractors involved in hydro projects, motorways, railways and pipelines with annual cover or single risk project cover.

PRODUCT HIGHLIGHTS

ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts

ACPG Insurers are recognised technical expertise in the sector

ACPG Insurers seek to develop long-term relationships with clients

COVER

Our standard cover includes:

Consequences of design

Extended maintenance

Natural catastrophes

Property damage only

Primary third party liability

Cover can be extended to include:

Delay in start up

Full design

Erection all Risks

ACPG Insurers Erection All Risks (EAR) insurance includes the erection and installation of electrical or mechanical plant and machinery.

It’s ideal for mechanical and electrical contractors looking for annual contract cover or developers, manufacturers, power and energy companies involved in large and complex installations.

Our target areas include construction of power plants, oil and gas facilities and other heavy industries such as steel, aluminium and cement, as well as traditional light engineering projects such as bottling plants and pharmaceuticals.

PRODUCT HIGHLIGHTS

Experience in writing many types of risks from standard installation contracts to large scale power and energy plants

A strong track record of leading the insurance of large and complex project contracts

The capacity to cover contracts in many overseas territories

Highly experienced risk engineers who can assist in risk management and risk reduction, as well as ensure that standards are maintained during the erection and installation works to help reduce losses

COVER

Our standard EAR cover is for the erection and / or installation of electrical or mechanical plant and machinery globally.

It can also cover losses during the testing and commissioning prior to hand-over and damage during the contractual maintenance period.

Cover can be provided for movement and re-erection of machinery along with testing, commissioning and maintenance of installed machinery.

An ‘all-risks’ cover that includes breakdown and explosion during testing and commissioning.

Available on contracts overseas subject to some territorial and environmental peril limitations.

The standard insurance offers cover for defective design under the wording and damage to installed equipment during maintenance visits. This can be extended to give wider defective design cover and either extended or ‘full’ or guarantee maintenance.

Comprehensive General Liability (CGL) Insurance

To meet the needs of casualty insurance clients it takes underwriting skill, risk engineering expertise and superior claims handling. These are key strengths of ACPG Insurers.

ACPG Insurers has a broad appetite for risk and provides public and product liability to medium, large, and multinational businesses on a domestic and international basis.

BENEFITS

Flexible policies which can be tailored to client needs

Highly experienced and dedicated casualty underwriters

Cover is available for North American exports and domiciled companies

Casualty Engineers with specialist expertise

Multinational capabilities

Proven global claims handling capabilities

Foreign Workers Insurance

Employees are a company’s greatest asset therefore it is essential for an employer to get their employees protected.

Being one of the approved panel insurance companies to provide foreign workers insurance, ACPG Insurers has three products designed to provide financial relief for the employer in the event of death, hospitalization or repatriation of their foreign workers.

Foreign Workers Compensation Scheme (FWCS)

As provided under Section 26(2) of the Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all their foreign workers employed by the company under the Foreign Workers Compensation Scheme (FWCS).

ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite FWCS. The scheme provides foreign workers with personal accident and repatriation benefits during and outside of working hours.

COVERAGE

Foreign workers who are under the employment of the insured company will enjoy coverage that include

Death and disability due to an accident

Disease arising out of and in the course of employment

Medical expenses

Repatriation expenses

Foreign Workers Hospitalization & Surgical Scheme (FWHS)

Effective 1 January 2011, all foreign workers in Malaysia are required to purchase a RM120 premium per year

Foreign Workers Hospitalization & Surgical Scheme (FWCS) that provides RM20,000 annual coverage.

ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Health (MOH) to underwrite the FWHS.

BENEFITS

Under the insurance policy, foreign workers will enjoy benefits that include

Daily hospital and room board of up to a maximum of 30 days

Intensive care unit (ICU) of up to a maximum of 15 days

Operating theatre fees

Surgical fees

Anaesthetist fees

In-hospital physician visits of up to a maximum of 30 days

In-hospital specialist consultation visits of up to a maximum of 30 days

Ambulance fees

Medical report fees

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Immigration Department from the employer as a security deposit for the employment of foreign workers (excluding Domestic Maid) under Regulation 21 of the Immigration Regulations.

This insurance serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event the foreign worker is required by the authorities to be sent back to his/her country of origin during his/her course of stay in Malaysia.

The circumstances could arise from:-

Breach of Immigration Act

Foreign worker is caught involving in illegal and illicit activities such as drug, immoral work, etc.

Employer goes into liquidation and is unable to provide the return passage for the foreign worker

Engineering Insurance Malaysia

Protect your business against unforeseen events or disruption. Select from our range of commercial insurance products to protect your business, goods, employees, etc. Our team of knowledgeable, experienced and dedicated staff is always on hand to provide insurance solutions for all your business needs.

Contractors’ All Risks insurance Malaysia

Contractors’ All Risks insurance is designed to provide coverage for all parties involved in a construction project.

There are usually two main groups of named insured. They are the Principal and the Contractor(s). The Principal is the party who commissions the work. The principal will usually be the party who owns the building when completed. The contractor is responsible for the planning and execution of the contract works. Where nominated sub-contractors or other sub-contractors are engaged, they can be included under the policy.

There are two sections in this Policy:

Section I: Material Damage

This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.

Section II: Third Party Liability

This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the contract works.

For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility. We ACPG team of professional staff is well versed to provide you with all the necessary guidance and advice.

Erection All Risks Insurance Malaysia

Erection All Risks Insurance is designed to provide coverage for the installation and erection of ready-built engineering projects such as machinery, equipment or other fittings in factories.

There are two sections to this Policy:

Section I: Material Damage

This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.

Section II: Third Party Liability

This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the erection works.

For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility.

Our team of professional staff is well versed to provide you with all the necessary guidance and advice.

Public Liability Insurance Malaysia

With increasing awareness of consumers, enterprises are exposed to a myriad of legal liabilities arising from accidents due to acts of negligence of its employees or representatives in the course of business.

Business prudence requires that protection against such contingents cannot be compromised.

With Public Liability insurance, you have the assurance that compensation for claims from third parties for injury or damage to their property including claimants’ costs are taken care of.

Commercial and Business Insurance

Arranged By

ACPG Management Sdn Bhd

Business Insurance

Commercial All Risks

Commercial Motor Vehicles

Equipment All Risks

Fidelity Guarantee

Group Hospitalization

Group Personal Accident

Money

Office and Shop Insurance Scheme (OASIS)

Plate Glass

Engineering

Boiler & Pressure Vessel

Contractors’ All Risks

Deterioration of Stock

Electronic Equipment

Erection All Risks

Machinery Breakdown

Machinery Breakdown – Loss of Profits

Machinery & Equipment

Storage Tank Installation

Foreign Worker Insurance

Foreign Worker Insurance Guarantee

Foreign Worker Compensation Scheme (FWCS)

Foreign Worker Hospitalization & Surgical Insurance Scheme (SKHPPA)

Liability

Comprehensive General Liability

Directors & Officers Liability

Products Liability

Professional Indemnity

Public Liability

Warehousemen’s Liability

Marine

Bailee Liability

Credit Insurance

Marine Hull

Marine Inland Transit

Workmen

Employer’s Liability

Workmen’s Compensation

ACPG Management Sdn Bhd

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

enquiry@acpgconsultant.com

+603-92863323, +6011-12239838

FWCMS Foreign Workers & Maids Insurance Policy Arranged by ACPG Management

FWCMS Foreign Workers & Maids Insurance Policy

Arranged by ACPG Management Sdn Bhd Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.

ACPG Careline +603-92863323, +6011-12239838

enquiry@acpgconsultant.com

www.acpgconsultant.com www.facebook.com/acpg.management

FWCMS Foreign Workers & Maids Insurance Policy

FWCMS Insurans Jaminan Pekerja Asing (FWIG)

FWCMS Skim Pampasan Pekerja Asing (FWCS)

FWCMS Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS Skim Insurans Pembantu Rumah

FWCMS Foreign Worker Insurance Guarantee (FWIG)

FWCMS Foreign Worker Compensation Scheme (FWCS)

FWCMS Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS Domestic Servant Insurance Scheme (DSIS)

FWCMS Maids Insurance Scheme (MIS)

 

FWCMS Foreign Worker Insurance Benefits of Coverage –

Repatriation Expenses –

Personal Accident Insurance –

Disease Death –

Permanent Partial / Total Disablement –

Temporary Disablement –

Accidental Medical Expenses –

Hospital & Surgical Medical Expenses –

Weekly Income Benefits –

ICU / Ambulance Fees / Medical Report Fees

Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Medical Insurance

Arranged by ACPG Management Sdn Bhd

Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.

ACPG Careline +603-92863323

enquiry@acpgconsultant.com

www.acpgconsultant.com www.facebook.com/acpg.management

 

In Malaysia, foreign workers are employed in the sectors of manufacturing, construction, plantation, agricultural, services and domestic help such as restaurant, cleaning services, cargo handling, launderette, golf course caddy, barber, wholesale and retail, textile, metal scraps and recycle activities, welfare homes and hotels.

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers in Malaysia.

FWIG guarantees to cover repatriation expenses in the event where your foreign worker is required by the authorities to be sent back to his country origin during his stay in Malaysia.

Duration of cover set by the Immigration Department is eighteen (18) months.

A new FWIG is required upon renewing the foreign workers permit. The total premium payable varies depending on the nationality of the foreign worker and ACPG insurer  underwriting requirements.

Foreign Workers Compensation Scheme (FWCS)

The Foreign Workers Compensation Scheme (FWCS) protects the welfare and interests of foreign workers in Malaysia.

The scheme pays the compensation benefits to a foreign worker with valid employment document for injuries sustained or death due to an accident arising out of or during his course of employment.

Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all their foreign workers under the FWCS.

Coverage:

Accidental death: RM25,000 (working hours) or RM23,000 (off working hours)

Permanent disablement: Up to RM23,000 (working hours) or RM23,000 (off working hours)

Temporary loss of income due to temporary disablement

Hospitalisation & medical expenses: Up to RM750

Repatriation due to death or permanent disablement: RM4,800

Foreign Workers Hospitalization and Surgical (FWHS or SKHPPA)

The Foreign Workers Hospitalisation and Surgical (FWCS or SKHPPA) is specially designed in view of increasing hospital and surgical costs and to reduce the financial burdens of employers of foreign workers in Malaysia in the event of hospital admission of their foreign workers due to an accident or illness.

FWCS/SKHPPA allows foreign workers a cashless admission into government hospitals under a Third (3rd) Class Room and Board basis but exception is given to cases which require emergency treatment at private hospitals.

Coverage:

Daily hospital room & board: Up to 30 days; Up to RM160 per day

Intensive Care Unit (ICU): Up to 15 days

Hospital supplies and services, operating theatre, surgical fees, anaesthetist fees, ambulance fees / medical report fees

In-hospital physician visits: Up to 30 days

In-hospital specialist consultation visits: Up to 30 days

Maximum overall annual limit: RM20,000

 

FWCMS MSIG Foreign Workers & Maids Insurance Policy

FWCMS MSIG Foreign Worker Insurance Guarantee (FWIG)

FWCMS MSIG Foreign Worker Compensation Scheme (FWCS)

FWCMS MSIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS MSIG Domestic Servant Insurance Scheme (DSIS)

FWCMS MSIG Maids Insurance Scheme (MIS)

 

FWCMS AXA Foreign Workers & Maids Insurance Policy

FWCMS AXA Foreign Worker Insurance Guarantee (FWIG)

FWCMS AXA Foreign Worker Compensation Scheme (FWCS)

FWCMS AXA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS AXA Domestic Servant Insurance Scheme (DSIS)

FWCMS AXA Maids Insurance Scheme (MIS)

 

FWCMS AIG Foreign Workers & Maids Insurance Policy

FWCMS AIG Foreign Worker Insurance Guarantee (FWIG)

FWCMS AIG Foreign Worker Compensation Scheme (FWCS)

FWCMS AIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS AIG Domestic Servant Insurance Scheme (DSIS)

FWCMS AIG Maids Insurance Scheme (MIS)

 

FWCMS ALLIANZ Foreign Workers & Maids Insurance Policy

FWCMS ALLIANZ Foreign Worker Insurance Guarantee (FWIG)

FWCMS ALLIANZ Foreign Worker Compensation Scheme (FWCS)

FWCMS ALLIANZ Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS ALLIANZ Domestic Servant Insurance Scheme (DSIS)

FWCMS ALLIANZ Maids Insurance Scheme (MIS)

 

FWCMS LONPAC Foreign Workers & Maids Insurance Policy

FWCMS LONPAC Foreign Worker Compensation Scheme (FWCS)

FWCMS LONPAC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS LONPAC Domestic Servant Insurance Scheme (DSIS)

FWCMS LONPAC Maids Insurance Scheme (MIS)

 

FWCMS KURNIA Foreign Workers & Maids Insurance Policy

FWCMS KURNIA Foreign Worker Insurance Guarantee (FWIG)

FWCMS KURNIA Foreign Worker Compensation Scheme (FWCS)

FWCMS KURNIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS KURNIA Domestic Servant Insurance Scheme (DSIS)

FWCMS KURNIA Maids Insurance Scheme (MIS)

 

FWCMS TOKIO MARINE Foreign Workers & Maids Insurance Policy

FWCMS TOKIO MARINE Foreign Worker Insurance Guarantee (FWIG)

FWCMS TOKIO MARINE Foreign Worker Compensation Scheme (FWCS)

FWCMS TOKIO MARINE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS TOKIO MARINE Domestic Servant Insurance Scheme (DSIS)

FWCMS TOKIO MARINE Maids Insurance Scheme (MIS)

 

FWCMS PACIFIC Foreign Workers & Maids Insurance Policy

FWCMS PACIFIC Foreign Worker Insurance Guarantee (FWIG)

FWCMS PACIFIC Foreign Worker Compensation Scheme (FWCS)

FWCMS PACIFIC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS PACIFIC Domestic Servant Insurance Scheme (DSIS)

FWCMS PACIFIC Maids Insurance Scheme (MIS)

 

FWCMS TAKAFUL MALAYSIA Foreign Workers & Maids Insurance Policy

FWCMS TAKAFUL MALAYSIA Foreign Worker Compensation Scheme (FWCS)

FWCMS TAKAFUL MALAYSIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS TAKAFUL MALAYSIA Domestic Servant Insurance Scheme (DSIS)

FWCMS TAKAFUL MALAYSIA Maids Insurance Scheme (MIS)

 

FWCMS AMGENERAL INSURANCE Foreign Workers & Maids Insurance Policy

FWCMS AMGENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)

FWCMS AMGENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)

FWCMS AMGENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) FWCMS AMGENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)

FWCMS AMGENERAL INSURANCE Maids Insurance Scheme (MIS)

 

FWCMS RHB INSURANCE Foreign Workers & Maids Insurance Policy

FWCMS RHB INSURANCE Foreign Worker Insurance Guarantee (FWIG)

FWCMS RHB INSURANCE Foreign Worker Compensation Scheme (FWCS)

FWCMS RHB INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS RHB INSURANCE Domestic Servant Insurance Scheme (DSIS)

FWCMS RHB INSURANCE Maids Insurance Scheme (MIS)

 

FWCMS ETIQA TAKAFUL Foreign Workers & Maids Insurance Policy

FWCMS ETIQA TAKAFUL Foreign Worker Insurance Guarantee (FWIG)

FWCMS ETIQA TAKAFUL Foreign Worker Compensation Scheme (FWCS)

FWCMS ETIQA TAKAFUL Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS ETIQA TAKAFUL Domestic Servant Insurance Scheme (DSIS)

FWCMS ETIQA TAKAFUL Maids Insurance Scheme (MIS)

 

FWCMS QBE INSURANCE Foreign Workers & Maids Insurance Policy

FWCMS QBE INSURANCE Foreign Worker Insurance Guarantee (FWIG)

FWCMS QBE INSURANCE Foreign Worker Compensation Scheme (FWCS)

FWCMS QBE INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS QBE INSURANCE Domestic Servant Insurance Scheme (DSIS) FWCMS QBE INSURANCE Maids Insurance Scheme (MIS)

 

FWCMS UNI ASIA GENERAL INSURANCE Foreign Workers & Maids Insurance Policy

FWCMS UNI ASIA GENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)

FWCMS UNI ASIA GENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)

FWCMS UNI ASIA GENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) FWCMS UNI ASIA GENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)

FWCMS UNI ASIA GENERAL INSURANCE Maids Insurance Scheme (MIS)

 

FWCMS ZURICH Foreign Workers & Maids Insurance Policy

FWCMS ZURICH Foreign Worker Insurance Guarantee (FWIG)

FWCMS ZURICH Foreign Worker Compensation Scheme (FWCS)

FWCMS ZURICH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS ZURICH Domestic Servant Insurance Scheme (DSIS)

FWCMS ZURICH Maids Insurance Scheme (MIS)

 

FWCMS BERJAYA SOMPO INSURANCE Foreign Workers & Maids Insurance Policy

FWCMS BERJAYA SOMPO INSURANCE Foreign Worker Insurance Guarantee (FWIG)

FWCMS BERJAYA SOMPO INSURANCE Foreign Worker Compensation Scheme (FWCS)

FWCMS BERJAYA SOMPO INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS BERJAYA SOMPO INSURANCE Domestic Servant Insurance Scheme (DSIS)

FWCMS BERJAYA SOMPO INSURANCE Maids Insurance Scheme (MIS)

 

FWCMS ACE JERNEH Foreign Workers & Maids Insurance Policy

FWCMS ACE JERNEH Foreign Worker Insurance Guarantee (FWIG)

FWCMS ACE JERNEH Foreign Worker Compensation Scheme (FWCS)

FWCMS ACE JERNEH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

FWCMS ACE JERNEH Domestic Servant Insurance Scheme (DSIS)

FWCMS ACE JERNEH Maids Insurance Scheme (MIS)

 

 

FWCMS MSIG Insurans Jaminan Pekerja Asing (FWIG)

FWCMS MSIG Skim Pampasan Pekerja Asing (FWCS)

FWCMS MSIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS MSIG Skim Insurans Pembantu Rumah

 

FWCMS AXA Insurans Jaminan Pekerja Asing (FWIG)

FWCMS AXA Skim Pampasan Pekerja Asing (FWCS)

FWCMS AXA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS AXA Skim Insurans Pembantu Rumah

 

FWCMS AIG Insurans Jaminan Pekerja Asing (FWIG)

FWCMS AIG Skim Pampasan Pekerja Asing (FWCS)

FWCMS AIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS AIG Skim Insurans Pembantu Rumah

 

FWCMS ALLIANZ Insurans Jaminan Pekerja Asing (FWIG)

FWCMS ALLIANZ Skim Pampasan Pekerja Asing (FWCS)

FWCMS ALLIANZ Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS ALLIANZ Skim Insurans Pembantu Rumah

 

FWCMS LONPAC Insurans Jaminan Pekerja Asing (FWIG)

FWCMS LONPAC Skim Pampasan Pekerja Asing (FWCS)

FWCMS LONPAC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS LONPAC Skim Insurans Pembantu Rumah

FWCMS LONPAC Foreign Worker Insurance Guarantee (FWIG)

 

FWCMS KURNIA Insurans Jaminan Pekerja Asing (FWIG)

FWCMS KURNIA Skim Pampasan Pekerja Asing (FWCS)

FWCMS KURNIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS KURNIA Skim Insurans Pembantu Rumah

 

FWCMS TOKIO MARINE Insurans Jaminan Pekerja Asing (FWIG)

FWCMS TOKIO MARINE Skim Pampasan Pekerja Asing (FWCS)

FWCMS TOKIO MARINE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS TOKIO MARINE Skim Insurans Pembantu Rumah

 

FWCMS PACIFIC Insurans Jaminan Pekerja Asing (FWIG)

FWCMS PACIFIC Skim Pampasan Pekerja Asing (FWCS)

FWCMS PACIFIC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS PACIFIC Skim Insurans Pembantu Rumah

 

FWCMS TAKAFUL MALAYSIA Insurans Jaminan Pekerja Asing (FWIG)

FWCMS TAKAFUL MALAYSIA Skim Pampasan Pekerja Asing (FWCS)

FWCMS TAKAFUL MALAYSIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS TAKAFUL MALAYSIA Skim Insurans Pembantu Rumah

FWCMS TAKAFUL MALAYSIA Foreign Worker Insurance Guarantee (FWIG)

 

FWCMS AMGENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

FWCMS AMGENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)

FWCMS AMGENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS AMGENERAL INSURANCE Skim Insurans Pembantu Rumah

 

FWCMS RHB INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

FWCMS RHB INSURANCE Skim Pampasan Pekerja Asing (FWCS)

FWCMS RHB INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS RHB INSURANCE Skim Insurans Pembantu Rumah

 

FWCMS ETIQA TAKAFUL Insurans Jaminan Pekerja Asing (FWIG)

FWCMS ETIQA TAKAFUL Skim Pampasan Pekerja Asing (FWCS)

FWCMS ETIQA TAKAFUL Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS ETIQA TAKAFUL Skim Insurans Pembantu Rumah

 

FWCMS QBE INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

FWCMS QBE INSURANCE Skim Pampasan Pekerja Asing (FWCS)

FWCMS QBE INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS QBE INSURANCE Skim Insurans Pembantu Rumah

 

FWCMS UNI ASIA GENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

FWCMS UNI ASIA GENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)

FWCMS UNI ASIA GENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS UNI ASIA GENERAL INSURANCE Skim Insurans Pembantu Rumah

 

FWCMS ZURICH Insurans Jaminan Pekerja Asing (FWIG)

FWCMS ZURICH Skim Pampasan Pekerja Asing (FWCS)

FWCMS ZURICH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS ZURICH Skim Insurans Pembantu Rumah

 

FWCMS BERJAYA SOMPO INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

FWCMS BERJAYA SOMPO INSURANCE Skim Pampasan Pekerja Asing (FWCS)

FWCMS BERJAYA SOMPO INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA) FWCMS BERJAYA SOMPO INSURANCE Skim Insurans Pembantu Rumah

 

FWCMS ACE JERNEH Insurans Jaminan Pekerja Asing (FWIG)

FWCMS ACE JERNEH Skim Pampasan Pekerja Asing (FWCS)

FWCMS ACE JERNEH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

FWCMS ACE JERNEH Skim Insurans Pembantu Rumah

MYEG Foreign Workers Insurance Online Purchase arranged by ACPG Management Sdn Bhd

MYEG Foreign Workers & Maids Insurance Policy

Arranged by ACPG Management Sdn Bhd Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.

ACPG Careline +603-92863323, +6011-12239838

enquiry@acpgconsultant.com

www.acpgconsultant.com www.facebook.com/acpg.management

MYEG Foreign Workers & Maids Insurance Policy

MYEG Insurans Jaminan Pekerja Asing (FWIG)

MYEG Skim Pampasan Pekerja Asing (FWCS)

MYEG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG Skim Insurans Pembantu Rumah

MYEG Foreign Worker Insurance Guarantee (FWIG)

MYEG Foreign Worker Compensation Scheme (FWCS)

MYEG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG Domestic Servant Insurance Scheme (DSIS)

MYEG Maids Insurance Scheme (MIS)

 

MYEG Foreign Worker Insurance Benefits of Coverage –

Repatriation Expenses –

Personal Accident Insurance –

Disease Death –

Permanent Partial / Total Disablement –

Temporary Disablement –

Accidental Medical Expenses –

Hospital & Surgical Medical Expenses –

Weekly Income Benefits –

ICU / Ambulance Fees / Medical Report Fees

 

Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Medical Insurance

Arranged by ACPG Management Sdn Bhd

Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.

ACPG Careline +603-92863323

enquiry@acpgconsultant.com

www.acpgconsultant.com www.facebook.com/acpg.management

 

In Malaysia, foreign workers are employed in the sectors of manufacturing, construction, plantation, agricultural, services and domestic help such as restaurant, cleaning services, cargo handling, launderette, golf course caddy, barber, wholesale and retail, textile, metal scraps and recycle activities, welfare homes and hotels.

 

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers in Malaysia.

 

FWIG guarantees to cover repatriation expenses in the event where your foreign worker is required by the authorities to be sent back to his country origin during his stay in Malaysia.

 

Duration of cover set by the Immigration Department is eighteen (18) months.

 

A new FWIG is required upon renewing the foreign workers permit. The total premium payable varies depending on the nationality of the foreign worker and ACPG insurer  underwriting requirements.

 

Foreign Workers Compensation Scheme (FWCS)

The Foreign Workers Compensation Scheme (FWCS) protects the welfare and interests of foreign workers in Malaysia.

 

The scheme pays the compensation benefits to a foreign worker with valid employment document for injuries sustained or death due to an accident arising out of or during his course of employment.

 

Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all their foreign workers under the FWCS.

 

Coverage:

Accidental death: RM25,000 (working hours) or RM23,000 (off working hours)

Permanent disablement: Up to RM23,000 (working hours) or RM23,000 (off working hours)

Temporary loss of income due to temporary disablement

Hospitalisation & medical expenses: Up to RM750

Repatriation due to death or permanent disablement: RM4,800

Foreign Workers Hospitalization and Surgical (FWHS or SKHPPA)

 

The Foreign Workers Hospitalisation and Surgical (FWCS or SKHPPA) is specially designed in view of increasing hospital and surgical costs and to reduce the financial burdens of employers of foreign workers in Malaysia in the event of hospital admission of their foreign workers due to an accident or illness.

 

FWCS/SKHPPA allows foreign workers a cashless admission into government hospitals under a Third (3rd) Class Room and Board basis but exception is given to cases which require emergency treatment at private hospitals.

 

Coverage:

Daily hospital room & board: Up to 30 days; Up to RM160 per day

Intensive Care Unit (ICU): Up to 15 days

Hospital supplies and services, operating theatre, surgical fees, anaesthetist fees, ambulance fees / medical report fees

In-hospital physician visits: Up to 30 days

In-hospital specialist consultation visits: Up to 30 days

Maximum overall annual limit: RM20,000

 

 

MYEG MSIG Foreign Workers & Maids Insurance Policy

MYEG MSIG Foreign Worker Insurance Guarantee (FWIG)

MYEG MSIG Foreign Worker Compensation Scheme (FWCS)

MYEG MSIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG MSIG Domestic Servant Insurance Scheme (DSIS)

MYEG MSIG Maids Insurance Scheme (MIS)

 

MYEG AXA Foreign Workers & Maids Insurance Policy

MYEG AXA Foreign Worker Insurance Guarantee (FWIG)

MYEG AXA Foreign Worker Compensation Scheme (FWCS)

MYEG AXA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG AXA Domestic Servant Insurance Scheme (DSIS)

MYEG AXA Maids Insurance Scheme (MIS)

 

MYEG AIG Foreign Workers & Maids Insurance Policy

MYEG AIG Foreign Worker Insurance Guarantee (FWIG)

MYEG AIG Foreign Worker Compensation Scheme (FWCS)

MYEG AIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG AIG Domestic Servant Insurance Scheme (DSIS)

MYEG AIG Maids Insurance Scheme (MIS)

 

MYEG ALLIANZ Foreign Workers & Maids Insurance Policy

MYEG ALLIANZ Foreign Worker Insurance Guarantee (FWIG)

MYEG ALLIANZ Foreign Worker Compensation Scheme (FWCS)

MYEG ALLIANZ Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ALLIANZ Domestic Servant Insurance Scheme (DSIS)

MYEG ALLIANZ Maids Insurance Scheme (MIS)

 

MYEG LONPAC Foreign Workers & Maids Insurance Policy

MYEG LONPAC Foreign Worker Compensation Scheme (FWCS)

MYEG LONPAC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG LONPAC Domestic Servant Insurance Scheme (DSIS)

MYEG LONPAC Maids Insurance Scheme (MIS)

 

MYEG KURNIA Foreign Workers & Maids Insurance Policy

MYEG KURNIA Foreign Worker Insurance Guarantee (FWIG)

MYEG KURNIA Foreign Worker Compensation Scheme (FWCS)

MYEG KURNIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG KURNIA Domestic Servant Insurance Scheme (DSIS)

MYEG KURNIA Maids Insurance Scheme (MIS)

 

MYEG TOKIO MARINE Foreign Workers & Maids Insurance Policy

MYEG TOKIO MARINE Foreign Worker Insurance Guarantee (FWIG)

MYEG TOKIO MARINE Foreign Worker Compensation Scheme (FWCS)

MYEG TOKIO MARINE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG TOKIO MARINE Domestic Servant Insurance Scheme (DSIS)

MYEG TOKIO MARINE Maids Insurance Scheme (MIS)

 

MYEG PACIFIC Foreign Workers & Maids Insurance Policy

MYEG PACIFIC Foreign Worker Insurance Guarantee (FWIG)

MYEG PACIFIC Foreign Worker Compensation Scheme (FWCS)

MYEG PACIFIC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG PACIFIC Domestic Servant Insurance Scheme (DSIS)

MYEG PACIFIC Maids Insurance Scheme (MIS)

 

MYEG TAKAFUL MALAYSIA Foreign Workers & Maids Insurance Policy

MYEG TAKAFUL MALAYSIA Foreign Worker Compensation Scheme (FWCS)

MYEG TAKAFUL MALAYSIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG TAKAFUL MALAYSIA Domestic Servant Insurance Scheme (DSIS)

MYEG TAKAFUL MALAYSIA Maids Insurance Scheme (MIS)

 

MYEG AMGENERAL INSURANCE Foreign Workers & Maids Insurance Policy

MYEG AMGENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG AMGENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG AMGENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) MYEG AMGENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG AMGENERAL INSURANCE Maids Insurance Scheme (MIS)

 

MYEG RHB INSURANCE Foreign Workers & Maids Insurance Policy

MYEG RHB INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG RHB INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG RHB INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG RHB INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG RHB INSURANCE Maids Insurance Scheme (MIS)

 

MYEG ETIQA TAKAFUL Foreign Workers & Maids Insurance Policy

MYEG ETIQA TAKAFUL Foreign Worker Insurance Guarantee (FWIG)

MYEG ETIQA TAKAFUL Foreign Worker Compensation Scheme (FWCS)

MYEG ETIQA TAKAFUL Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ETIQA TAKAFUL Domestic Servant Insurance Scheme (DSIS)

MYEG ETIQA TAKAFUL Maids Insurance Scheme (MIS)

 

MYEG QBE INSURANCE Foreign Workers & Maids Insurance Policy

MYEG QBE INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG QBE INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG QBE INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG QBE INSURANCE Domestic Servant Insurance Scheme (DSIS) MYEG QBE INSURANCE Maids Insurance Scheme (MIS)

 

MYEG UNI ASIA GENERAL INSURANCE Foreign Workers & Maids Insurance Policy

MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) MYEG UNI ASIA GENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG UNI ASIA GENERAL INSURANCE Maids Insurance Scheme (MIS)

 

MYEG ZURICH Foreign Workers & Maids Insurance Policy

MYEG ZURICH Foreign Worker Insurance Guarantee (FWIG)

MYEG ZURICH Foreign Worker Compensation Scheme (FWCS)

MYEG ZURICH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ZURICH Domestic Servant Insurance Scheme (DSIS)

MYEG ZURICH Maids Insurance Scheme (MIS)

 

MYEG BERJAYA SOMPO INSURANCE Foreign Workers & Maids Insurance Policy

MYEG BERJAYA SOMPO INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG BERJAYA SOMPO INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG BERJAYA SOMPO INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG BERJAYA SOMPO INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG BERJAYA SOMPO INSURANCE Maids Insurance Scheme (MIS)

 

MYEG ACE JERNEH Foreign Workers & Maids Insurance Policy

MYEG ACE JERNEH Foreign Worker Insurance Guarantee (FWIG)

MYEG ACE JERNEH Foreign Worker Compensation Scheme (FWCS)

MYEG ACE JERNEH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ACE JERNEH Domestic Servant Insurance Scheme (DSIS)

MYEG ACE JERNEH Maids Insurance Scheme (MIS)

 

 

MYEG MSIG Insurans Jaminan Pekerja Asing (FWIG)

MYEG MSIG Skim Pampasan Pekerja Asing (FWCS)

MYEG MSIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG MSIG Skim Insurans Pembantu Rumah

 

MYEG AXA Insurans Jaminan Pekerja Asing (FWIG)

MYEG AXA Skim Pampasan Pekerja Asing (FWCS)

MYEG AXA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG AXA Skim Insurans Pembantu Rumah

 

MYEG AIG Insurans Jaminan Pekerja Asing (FWIG)

MYEG AIG Skim Pampasan Pekerja Asing (FWCS)

MYEG AIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG AIG Skim Insurans Pembantu Rumah

 

MYEG ALLIANZ Insurans Jaminan Pekerja Asing (FWIG)

MYEG ALLIANZ Skim Pampasan Pekerja Asing (FWCS)

MYEG ALLIANZ Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ALLIANZ Skim Insurans Pembantu Rumah

 

MYEG LONPAC Insurans Jaminan Pekerja Asing (FWIG)

MYEG LONPAC Skim Pampasan Pekerja Asing (FWCS)

MYEG LONPAC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG LONPAC Skim Insurans Pembantu Rumah

MYEG LONPAC Foreign Worker Insurance Guarantee (FWIG)

 

MYEG KURNIA Insurans Jaminan Pekerja Asing (FWIG)

MYEG KURNIA Skim Pampasan Pekerja Asing (FWCS)

MYEG KURNIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG KURNIA Skim Insurans Pembantu Rumah

 

MYEG TOKIO MARINE Insurans Jaminan Pekerja Asing (FWIG)

MYEG TOKIO MARINE Skim Pampasan Pekerja Asing (FWCS)

MYEG TOKIO MARINE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG TOKIO MARINE Skim Insurans Pembantu Rumah

 

MYEG PACIFIC Insurans Jaminan Pekerja Asing (FWIG)

MYEG PACIFIC Skim Pampasan Pekerja Asing (FWCS)

MYEG PACIFIC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG PACIFIC Skim Insurans Pembantu Rumah

 

MYEG TAKAFUL MALAYSIA Insurans Jaminan Pekerja Asing (FWIG)

MYEG TAKAFUL MALAYSIA Skim Pampasan Pekerja Asing (FWCS)

MYEG TAKAFUL MALAYSIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG TAKAFUL MALAYSIA Skim Insurans Pembantu Rumah

MYEG TAKAFUL MALAYSIA Foreign Worker Insurance Guarantee (FWIG)

 

MYEG AMGENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG AMGENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG AMGENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG AMGENERAL INSURANCE Skim Insurans Pembantu Rumah

 

MYEG RHB INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG RHB INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG RHB INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG RHB INSURANCE Skim Insurans Pembantu Rumah

 

MYEG ETIQA TAKAFUL Insurans Jaminan Pekerja Asing (FWIG)

MYEG ETIQA TAKAFUL Skim Pampasan Pekerja Asing (FWCS)

MYEG ETIQA TAKAFUL Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ETIQA TAKAFUL Skim Insurans Pembantu Rumah

 

MYEG QBE INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG QBE INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG QBE INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG QBE INSURANCE Skim Insurans Pembantu Rumah

 

MYEG UNI ASIA GENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG UNI ASIA GENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG UNI ASIA GENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG UNI ASIA GENERAL INSURANCE Skim Insurans Pembantu Rumah

 

MYEG ZURICH Insurans Jaminan Pekerja Asing (FWIG)

MYEG ZURICH Skim Pampasan Pekerja Asing (FWCS)

MYEG ZURICH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ZURICH Skim Insurans Pembantu Rumah

 

MYEG BERJAYA SOMPO INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG BERJAYA SOMPO INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG BERJAYA SOMPO INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA) MYEG BERJAYA SOMPO INSURANCE Skim Insurans Pembantu Rumah

 

MYEG ACE JERNEH Insurans Jaminan Pekerja Asing (FWIG)

MYEG ACE JERNEH Skim Pampasan Pekerja Asing (FWCS)

MYEG ACE JERNEH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ACE JERNEH Skim Insurans Pembantu Rumah

 

Construction Insurance Malaysia

Construction Insurance Arranged By ACPG Management Sdn Bhd (ACPG)

A proven leader in the construction industry, ACPG Principal Insurer delivers integrated property & casualty and specialized insurance solutions which are tailored to construction risks from:

• Residential and Commercial Projects
• Civil Engineering Projects such as pipelines, dams, roads and rail
• Power and Energy Projects of all sizes
• Petrochemical and Industrial plants

Our unique industry practice group provides clients with a comprehensive spectrum of products including Project Cargo, Casualty, Surety, Environmental and Project Professional Indemnity.

Whether you’re a Principal, Property Developer, Main Contractor, we will work collaboratively with you and your broker to help develop seamless and effective risk management solutions.

OUR STRENGTHS

By working with ACPG Principal Insurer Construction Industry Practice, you will benefit from our strengths which encompass:

• Local knowledge backed by global capability
• Comprehensive suite of services
• Experienced underwriting team
• Dedicated Construction Risk Engineers
• Superior Claims Handling and Administration
• Consultative approach to loss prevention and mitigation
• Tailor-made programs backed by client-centric service
• Broad coverage
• Long-term focus on client relationships

PRODUCT RANGE

ACPG Principal Insurer Construction Industry Practice offers a range of products and services including:

• Contract Works
• Delay in Start Up
• General Liability
• Umbrella/Excess Casualty Covers
• Project Professional Liability
• Environmental Pollution Liability
• Contract Surety
• Construction Risk Management Services
• Marine Cargo including DSU
• Directors & Officers Liability

• Terrorism

CONSTRUCTION INSURANCE PRODUCTS

• Construction All Risks – Builder Risk
• Construction All Risks – Civil Engineering
• Erection all Risks

Construction All Risks – Civil Engineering

This insurance provides contractors involved in hydro projects, motorways, railways and pipelines with annual cover or single risk project cover.

PRODUCT HIGHLIGHTS

• We have a strong track record of leading the insurance of large and complicated project contracts

• We are recognised technical expertise in the sector

• We seek to develop long-term relationships with clients

COVER

Our standard cover includes:

• Consequences of design
• Extended maintenance

• Natural catastrophes

• Property damage only
• Primary third party liability

Cover can be extended to include:

• Delay in start up
• Full design

Erection all Risks

ACPG Principal Insurer Erection All Risks (EAR) insurance includes the erection and installation of electrical or mechanical plant and machinery. It’s ideal for mechanical and electrical contractors looking for annual contract cover or developers, manufacturers, power and energy companies involved in large and complex installations.

Our target areas include construction of power plants, oil and gas facilities and other heavy industries such as steel, aluminium and cement, as well as traditional light engineering projects such as bottling plants and pharmaceuticals.

PRODUCT HIGHLIGHTS

• Experience in writing many types of risks from standard installation contracts to large scale power and energy plants
• A strong track record of leading the insurance of large and complex project contracts
• The capacity to cover contracts in many overseas territories
• Highly experienced risk engineers who can assist in risk management and risk reduction, as well as ensure that standards are maintained during the erection and installation works to help reduce losses

COVER

• Our standard EAR cover is for the erection and / or installation of electrical or mechanical plant and machinery globally.
• It can also cover losses during the testing and commissioning prior to hand-over and damage during the contractual maintenance period.
• Cover can be provided for movement and re-erection of machinery along with testing, commissioning and maintenance of installed machinery.
• An ‘all-risks’ cover that includes breakdown and explosion during testing and commissioning.
• Available on contracts overseas subject to some territorial and environmental peril limitations.
• The standard insurance offers cover for defective design under the LEG 2/96 wording and damage to installed equipment during maintenance visits. This can be extended to give wider defective design cover and either extended or ‘full’ or guarantee maintenance.

Foreign Workers Insurance

Employees are a company’s greatest asset therefore it is essential for an employer to get their employees protected.

Being one of the approved panel insurance companies to provide foreign workers insurance, ACE Jerneh has three products designed to provide financial relief for the employer in the event of death, hospitalization or repatriation of their foreign workers.

Foreign Workers Compensation Scheme (FWCS)

As provided under Section 26(2) of the Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all their foreign workers employed by the company under the Foreign Workers Compensation Scheme (FWCS).

ACPG Principal Insurer  is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite FWCS. The scheme provides foreign workers with personal accident and repatriation benefits during and outside of working hours.

COVERAGE

Foreign workers who are under the employment of the insured company will enjoy coverage that include

• Death and disability due to an accident
• Disease arising out of and in the course of employment
• Medical expenses
• Repatriation expenses

Foreign Workers Hospitalization & Surgical Scheme (FWHS)

Effective 1 January 2011, all foreign workers in Malaysia are required to purchase a RM120 premium per year Foreign Workers Hospitalization & Surgical Scheme (FWCS) that provides RM20,000 annual coverage.

ACPG Principal Insurer is one of the panel insurance companies appointed and approved by the Ministry of Health (MOH) to underwrite the FWHS.

BENEFITS

Under the insurance policy, foreign workers will enjoy benefits that include

• Daily hospital and room board of up to a maximum of 30 days

• Intensive care unit (ICU) of up to a maximum of 15 days
• Operating theatre fees
• Surgical fees
• Anaesthetist fees
• In-hospital physician visits of up to a maximum of 30 days
• In-hospital specialist consultation visits of up to a maximum of 30 days
• Ambulance fees
• Medical report fees

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Immigration Department from the employer as a security deposit for the employment of foreign workers (excluding Domestic Maid) under Regulation 21 of the Immigration Regulations.

This insurance serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event the foreign worker is required by the authorities to be sent back to his/her country of origin during his/her course of stay in Malaysia. The circumstances could arise from:-

• Breach of Immigration Act
• Foreign worker is caught involving in illegal and illicit activities such as drug, immoral work, etc.

• Employer goes into liquidation and is unable to provide the return passage for the foreign worker

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable.

The information provided here is a brief summary for quick and easy reference.

The exact terms and conditions that apply are stated in the policy contract.

Your Trusted Construction Insurance Risk Management Advisory Company since Year 1989.

ACPG Management Sdn Bhd

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323

MyEG fined RM2.7mil for harming competition in foreign worker insurance sale !

MyEG fined RM2.7mil for harming competition in foreign worker insurance sale

MyEG fined RM2.7mil for harming competition in foreign worker insurance sale !

The Star Online

Friday, 24 June 2016 | MYT 5:56 PM

KUALA LUMPUR:

The Malaysia Competition Commission (MyCC) has fined MY E.G. Services Bhd (MyEG) RM2.272mil for abusing its dominant position in how it manages online foreign workers permit (PLKS) renewals.In a statement on Friday, MyCC said by virtue of their shareholdings and directorships, MyEG and MY E.G. Commerce Sdn Bhd (MyEG Commerce) were a single economic unit as defined under the Competition Act 2010. (MyEG Commerce is 100% owned by MyEG.)MyCC said it found that MyEG, together with MyEG Commerce, had infringed the Act by “abusing its dominant position in harming competition in the downstream market in which MyEG Commerce is participating as an insurance agent for online PLKS renewal applications.

”The competition authority said different conditions were imposed to equivalent transactions with its competitors to the extent that it had harmed competition in the downstream market for the sale of mandatory insurances.The RM2.272mil financial penalty imposed on the e-government services provider comprises a fine of RM307,200 for the infringement periods of Jan 5, 2015, to Jan 22, 2015, and May 2, 2015, to Oct 6, 2015, as well as a daily penalty of RM7,500 from Oct 7, 2015, to the date of MyCC’s decision (June 24).

The Commission also imposes several remedial actions on MyEG, for which non-compliance may lead to a higher daily penalty for the subsequent period of non-compliance.These remedial actions include asking MyEG to cease and desist immediately from imposing different conditions to equivalent transactions in the processing of mandatory insurances for online PLKS renewal applications.MyEG must also provide an efficient gateway for all its competitors in the market of sale of the mandatory insurances and allows the other competitors to compete at the same level within 60 days.

The company must also provide an undertaking in the form and manner acceptable to the Commission, to be fully compliant with the rules and regulations of General Insurance Association of Malaysia within 60 days.In an announcement to Bursa Malaysia on the same day, MyEG said its board of directors would review MyCC’s decision with the company’s legal counsel and it intended to file in an appeal to MyCC.MyEG shares shed 1 sen to close at RM1.94 on Friday, with 7.046 million shares traded.

http://www.thestar.com.my/business/business-news/2016/06/24/myeg-fined-rm2pt7mil-for-harming-rivals-in-foreign-worker-insurance-mart/

http://www.mycc.gov.my/media-releases

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星洲网 24/06/2016

MyEG违竞争法罚227万·竞争委会：若不补救提高罚款MyEG和MyEG商业公司触犯2010年竞争法令，被大马竞争委员会（MyCC）罚款227万2200令吉。

（吉隆坡24日讯）

MyEG和MyEG商业公司触犯2010年竞争法令，被大马竞争委员会（MyCC）罚款227万2200令吉。MyCC今日发文告指出，如果MyEG没有落实MyCC所提出的补救行动，MyCC将会在接下来的期间对该公司实施更高的每日罚款。

文告说，MyCC接获数宗投诉，指责MyEG滥用其网上更新外劳准证服务所占有的主导地位。

滥用主导地位“根据调查发现，MyEG和MyEG商业公司的确违法，滥用其主导地位，危害下游市场的竞争，因为MyEG商业公司加入成为网上更新外劳准证的保险代理，其所售卖的强制保险，让其对手在进行相同的交易，却需遵守不同的条件。”文告指出，上述罚款包括在去年1月5日至22日，以及去年5月2日至10月6日期间触法的罚款30万7200令吉，还有从10月7日那天起每天7500令吉的罚款。

文告说，实施每日罚款是因为MyEG持续滥用主导地位的行为，而且至今还未为其对手提供充份进入市场的门槛，MyEG所销售的强制保险，造成其对手无法在相同的水平与之竞争。

文告指出，竞争委员会建议MyEG采取的补救行动包括停止在网上更新外劳准证的强制保险中，在相同的交易中向对手实施不同的条件丶从MyCC下决定起的60天内为对手提供相同的竞争平台和以MyCC接受的方式承诺遵守大马普通保险协会（PIAM）条例。

文告说，MyCC这项决定的通告将会上载至其官网，可以浏览http://www.mycc.gov.my。

http://www.mycc.gov.my/media-releases

http://www.sinchew.com.my/…/myeg%E8%BF%9D%E7%AB%9E%E4%BA%89…

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158-3-7, Blok 158, Kompleks Maluri,

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55100 Kuala Lumpur, Malaysia.

ACPG Careline +603-92863323

enquiry@acpgconsultant.com

www.acpgconsultant.com

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MYEG Foreign Workers & Maids Insurance

MYEG SKIM PAMPASAN PEKERJA ASING (FWCS)

MYEG SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

MYEG SKIM INSURANS PEMBANTU RUMAH

Myeg Foreign Worker Insurance Guarantee (FWIG)

Myeg Foreign Worker Compensation Scheme (FWCS)

Myeg Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Myeg Domestic Servant Insurance Scheme (DSIS)

Myeg Maids Insurance Scheme (MIS)

MSIG Foreign Workers & Maids Insurance

MSIG SKIM PAMPASAN PEKERJA ASING (FWCS)

MSIG SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

MYEG SKIM INSURANS PEMBANTU RUMAH

MSIG Foreign Worker Insurance Guarantee (FWIG)

MSIG Foreign Worker Compensation Scheme (FWCS)

MSIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MSIG Domestic Servant Insurance Scheme (DSIS)

MSIG Maids Insurance Scheme (MIS)

Allianz Foreign Workers & Maids Insurance

Allianz SKIM PAMPASAN PEKERJA ASING (FWCS)

Allianz SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

Allianz SKIM INSURANS PEMBANTU RUMAH

Allianz Foreign Worker Insurance Guarantee (FWIG)

Allianz Foreign Worker Compensation Scheme (FWCS)

Allianz Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Allianz Domestic Servant Insurance Scheme (DSIS)

Allianz Maids Insurance Scheme (MIS)

Lonpac Foreign Workers & Maids Insurance

Lonpac SKIM PAMPASAN PEKERJA ASING (FWCS)

Lonpac SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

Lonpac SKIM INSURANS PEMBANTU RUMAH

Lonpac Foreign Worker Insurance Guarantee (FWIG)

Lonpac Foreign Worker Compensation Scheme (FWCS)

Lonpac Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Lonpac Domestic Servant Insurance Scheme (DSIS)

Lonpac Maids Insurance Scheme (MIS)

Pacific Foreign Workers & Maids Insurance

Pacific SKIM PAMPASAN PEKERJA ASING (FWCS)

Pacific SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

Pacific SKIM INSURANS PEMBANTU RUMAH

Pacific Foreign Worker Insurance Guarantee (FWIG)

Pacific Foreign Worker Compensation Scheme (FWCS)

Pacific Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Pacific Domestic Servant Insurance Scheme (DSIS)

Pacific Maids Insurance Scheme (MIS)

AXA Foreign Workers & Maids Insurance

AXA SKIM PAMPASAN PEKERJA ASING (FWCS)

AXA SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

AXA SKIM INSURANS PEMBANTU RUMAH

AXA Foreign Worker Insurance Guarantee (FWIG)

AXA Foreign Worker Compensation Scheme (FWCS)

AXA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

AXA Domestic Servant Insurance Scheme (DSIS)

AXA Maids Insurance Scheme (MIS)

AIG Foreign Workers & Maids Insurance

AIG SKIM PAMPASAN PEKERJA ASING (FWCS)

AIG SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

AIG SKIM INSURANS PEMBANTU RUMAH

AIG Foreign Worker Insurance Guarantee (FWIG)

AIG Foreign Worker Compensation Scheme (FWCS)

AIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

AIG Domestic Servant Insurance Scheme (DSIS)

AIG Maids Insurance Scheme (MIS)

Kurnia Foreign Workers & Maids Insurance

Kurnia SKIM PAMPASAN PEKERJA ASING (FWCS)

Kurnia SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

Kurnia SKIM INSURANS PEMBANTU RUMAH

Kurnia Foreign Worker Insurance Guarantee (FWIG)

Kurnia Foreign Worker Compensation Scheme (FWCS)

Kurnia Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Kurnia Domestic Servant Insurance Scheme (DSIS)

Kurnia Maids Insurance Scheme (MIS)

Tokio Marine Foreign Workers & Maids Insurance

Tokio Marine SKIM PAMPASAN PEKERJA ASING (FWCS)

Tokio Marine SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

Tokio Marine SKIM INSURANS PEMBANTU RUMAH

Tokio Marine Foreign Worker Insurance Guarantee (FWIG)

Tokio Marine Foreign Worker Compensation Scheme (FWCS)

Tokio Marine Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Tokio Marine Domestic Servant Insurance Scheme (DSIS)

Tokio Marine Maids Insurance Scheme (MIS)

Takaful Malaysia Foreign Workers & Maids Insurance

Takaful Malaysia SKIM PAMPASAN PEKERJA ASING (FWCS)

Takaful Malaysia SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

Takaful Malaysia SKIM INSURANS PEMBANTU RUMAH

Takaful Malaysia Foreign Worker Insurance Guarantee (FWIG)

Takaful Malaysia Foreign Worker Compensation Scheme (FWCS)

Takaful Malaysia Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Takaful Malaysia Domestic Servant Insurance Scheme (DSIS)

Takaful Malaysia Maids Insurance Scheme (MIS)

RHB Foreign Workers & Maids Insurance

RHB SKIM PAMPASAN PEKERJA ASING (FWCS)

RHB SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

RHB SKIM INSURANS PEMBANTU RUMAH

RHB Foreign Worker Insurance Guarantee (FWIG)

RHB Foreign Worker Compensation Scheme (FWCS)

RHB Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

RHB Domestic Servant Insurance Scheme (DSIS)

RHB Maids Insurance Scheme (MIS)

P&O Foreign Workers & Maids Insurance

P&O SKIM PAMPASAN PEKERJA ASING (FWCS)

P&O SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

P&O SKIM INSURANS PEMBANTU RUMAH

P&O Foreign Worker Insurance Guarantee (FWIG)

P&O Foreign Worker Compensation Scheme (FWCS)

P&O Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

P&O Domestic Servant Insurance Scheme (DSIS)

P&O Maids Insurance Scheme (MIS)

Berjaya Sompo Foreign Workers & Maids Insurance

Berjaya Sompo SKIM PAMPASAN PEKERJA ASING (FWCS)

Berjaya Sompo SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN

PEKERJA ASING (SKHPPA)

Berjaya Sompo SKIM INSURANS PEMBANTU RUMAH

Berjaya Sompo Foreign Worker Insurance Guarantee (FWIG)

Berjaya Sompo Foreign Worker Compensation Scheme (FWCS)

Berjaya Sompo Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

Berjaya Sompo Domestic Servant Insurance Scheme (DSIS)

Berjaya Sompo Maids Insurance Scheme (MIS)