IN MALAYSIA...
Foreign Worker Insurance under Allianz General Insurance Malaysia Berhad (“AGIM”) can be employed in the manufacturing, construction, plantation, agricultural, services and domestic help sector. There are 11 sub-categories under service sectors:
All 11 sub-categories Foreign workers can be employed in the manufacturing, construction, plantation, agricultural,services and domestic help sector, 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.All foreign worker insurance as below
FOREIGN WORKERS INSURANCE GUARANTEE (FWIG)
Foreign Workers Insurance Guarantee is a guarantee required by Immigration Department from Employers as a security deposit for the employment of foreign workers in various sectors.
Highlights of Cover
1. This insurance guarantee will serve as a guarantee to the Immigration Department to
cover repatriation expenses in the event your worker is required by the authorities to be
sent back to their country of origin during their stay in Malaysia.
2. Duration of cover set by Immigration Department is eighteen (18) months. You need to
purchase a new guarantee upon renewing your worker’s permit.
Premium
The total premium that you have to pay varies depending on Allianz’s underwriting
requirements and nationality of your worker, and also subject to minimum premium of
RM50.00 per insurance guarantee issued.
This policy is subject to RM10.00 revenue stamp on insurance guarantee.
FOREIGN WORKERS HOSPITALISATION AND SURGICAL (FWHS)
This Foreign Workers Hospitalisation and Surgical (FWHS) is specially designed in view of
increasing Hospital and Surgical charges and to reduce financial burden of the Employers of
foreign workers in the event of hospital admission of their foreign workers due to 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 Plan Details :
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
Annual Premium per worker 120.00
Enrolment Procedures
1. The FWHS proposal forms are available at any Allianz branch offices.
2. The Employer must complete the proposal form and submit the completed proposal form
together with premium to any Allianz offices.
3. Coverage is effective upon receipt of payment of premium.
4. The Policy will be sent to the employer within twenty one (21) working days.
5. If the policy has not been received within the stipulated period, kindly contact our Allianz
branch office.
Cashless Admission
FWHS works on cashless admission basis. Admission is strictly in Government Hospitals (3rd
class). Exception is given to those cases that needs emergency treatment at any private hospital.
Upon admission, original passport of the worker needs to be produced for verification.
Definitions
Pre-Existing Illness shall be limited to disabilities which existed before the effective date of
cover and for which the Insured Person should have reasonably been aware of. An Insured
Person may be considered to have reasonable knowledge of a pre-existing condition where the
condition is one for which:
(a) the Insured Person had received or is receiving treatment;
(b) medical advice, diagnosis, care or treatment has been recommended;
(c) clear and distinct symptoms are or were evident; or
(d) its existence would have been apparent to a reasonable person in the circumstances.
Specified Illnesses shall mean the following disabilities and its related complications, occurring
within the first one hundred and twenty (120) days of Insurance of the Insured Person:
(a) Cardiovascular disease;
(b) All cancers.
Exclusions
This Scheme does not cover any hospitalization, surgery or charges caused directly or indirectly,
wholly or partly, by any one (1) of the following occurrences:
1. Pre-existing illness. However, this exclusion is waived in the event the Insured Person passes
the medical examination as confirmed by Fomema Sdn. Bhd. (FOMEMA) within thirty (30)
days from the Insured Person’s arrival to Malaysia.
2. Specified Illnesses occurring during the first one hundred and twenty (120) days of
continuous cover.
3. Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or
surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of
external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted
pacemakers and prescriptions thereof.
4. Dental conditions including dental treatment or oral surgery except as necessitated by
Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance.
5. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal
disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS
Related Complex) and HIV (Human Immunodeficiency Virus) related diseases, and any
communicable diseases requiring quarantine by law.
6. Any treatment or surgical operation for congenital abnormalities or deformities including
hereditary conditions.
7. Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or
postnatal care and surgical, mechanical or chemical contraceptive methods of birth control
or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to
impotence or sterilization.
8. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general
physical or medical examinations, not incidental to treatment or diagnosis of a covered
Disability or any treatment which is not medically necessary and any preventive treatments,
preventive medicines or examinations carried out by a Physician, and treatments
specifically for weight reduction or gain.
9. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.
10. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
11. Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste
from process of nuclear fission or from any nuclear weapons material.
12. Expenses incurred for donation of any body organ by an Insured Person and costs of
acquisition of the organ including all costs incurred by the donor during organ transplant
and its complications.
13. Investigation and treatment of sleep and snoring disorders, hormone replacement therapy
and alternative therapy such as treatment, medical service or supplies , including but
not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting,
herbalist treatment, massage or aroma therapy or other alternative treatment.
14. Care or treatment for which payment is not required or to the extent which is payable by
any other insurance or indemnity covering the Insured Person and Disabilities arising out
of duties of employment or profession that is covered under a Workman’s Compensation
Insurance Contract.
15. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or
psychosomatic manifestations).
16. Costs/expenses of services of a non-medical nature, such as television, telephones, telex
services, radios or similar facilities, admission kit/pack and other ineligible non- medical
items.
17. Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports
such as but not limited to skydiving, water skiing, underwater activities requiring breathing
apparatus, winter sports, professional sports and illegal activities.
18. Private flying other than as a fare-paying passenger in any commercial scheduled airlines
licensed to carry passengers over established routes.
19. Expenses incurred for sex changes.
FOREIGN WORKERS PLUS (FW-PLUS)
The Foreign Workers PLUS is designed for employers who wish to
top up personal accident coverage for their foreign workers.
Highlights of Cover
1. 24 hours worldwide coverage.
2. Valid claims will be paid to employer.
3. High Medical and Surgical benefits.
4. Extended to cover:
Strike, Riot and Civil Commotion Insects, Snakes and Animal Bites
Hijacking Disappearance
Food and Gas Poisoning Natural Disaster
Drowning Exposure to Natural Elements
Unprovoked Murder and Assault Motorcycling
Coverage Plan Details :
Accidental death or permanent disablement: RM10,000
Medical and surgical expenses: RM2,000
24-hour worldwide coverage
Extended to cover Strike, Riot and Civil Commotion, Hijacking, Food and Gas Poisoning, Drowning, Unprovoked Murder and Assault, Insects, Snakes and Animal Bites, Disappearance, Natural Disaster, Exposure to Natural Elements and Motorcycling
Premium per worker RM 50.00
Premium subject to Service Tax and RM10.00 stamp duty per policy.
Use of woodworking machinery : 25% loading
Exclusions
This policy does not cover:
1. Death or Disablement or any loss caused directly or indirectly:
a. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil
war, rebellion, revolution, insurrection, mutiny or usurped power, military or popular
uprisings;
b. Insanity, suicide (whether sane or insane) or any attempt threat, intentional self-inflicted
injuries;
c. Any form of disease, infection, parasites;
d. Intoxication by alcohol or drugs (other than those prescribed by a qualified medical
practitioner);
e. Childbirth, miscarriage, pregnancy or any complications thereof;
f. Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC),
howsoever this syndrome has been acquired or may be named;
g. Provoked murder or assault.
2. Death or Disablement or any other loss sustained by Life Insured:
a. While traveling in an aircraft as a member of the crew, except only as fare-paying
passenger in an aircraft licensed for passenger service. For the purpose of this exclusion,
the Life Insured would not be covered if he/she is involved in any technical operation or
navigation whilst in the aircraft;
b. While committing or attempting to commit any unlawful act.
3. Death or Disablement or any other loss consequent upon the Life Insured engaging in
hunting, mountaineering, ice-hockey, polo-playing, steeple chasing, winter sports, rugby,
parachuting, racing of any kind other than on foot, yachting, water-ski jumping, underwater
activities involving the use of breathing apparatus, professional sports, logging activities
and using woodwork machinery driven by mechanical power.
4. Death or Disablement directly caused by or contributed by or arising from:
a. Ionization, radiation or contamination by combustion of nuclear waste from the
combustion of nuclear fuel. For the purpose of this exception, combustion shall include
any self-sustaining process of nuclear fusion;
b. Nuclear weapons material.
