FOREIGN WORKERS COMPENSATION SCHEME (FWCS)

FOREIGN WORKERS COMPENSATION SCHEME (FWCS) 

Under Section 26 the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all the foreign workers employed by them under the Foreign Worker’s Compensation Scheme.

Allianz General Insurance Company (Malaysia) Berhad "AGIC" is one of the Panel of Insurers appointed by Labour Dept. to provide Insurance Cover to all foreign workers as provided under the Act.

Scale of Benefits

Benefits Working Hours Off Working Hours Death RM 25,000.00 RM 23,000.00 Permanent Disablement As per Workmen Compensation Act (Max. RM 23,000.00) RM 23,000.00 Temporary Loss of Income Due to Temporary Disablement As per Workmen Compensation Act 1952 As per Workmen Compensation Act 1952 Hospitalization & Medical Expenses As per Workmen Compensation Act 1952 (Max. RM 520.00) As per Workmen Compensation Act 1952 (Max. RM 520.00) Repatriation Due to Death and Permanent Disablement RM 4,800.00 RM 4,800.00

FOREIGN WORKERS - PLUS

The Foreign Workers Plus is specially designed to give an additional cover on top of the Compulsory Foreign Workers Compensation Scheme (FWCS).

FW-Plus Coverage

This Foreign Workers Compensation Scheme Plus Policy covers the Insured Life/Lives who are foreigners holding valid work permit against bodily injury caused by violent, accidental, external and visible means, which injury shall solely and independently pf any other cause result in the following losses, benefits of which are payable as specified in the Schedule:

DEATH
occurring within twelve calendar months of bodily injury due to an accident.

PERMANENT DISABLEMENT
occurring within twelve calendar months of bodily injury due to an accident. The percentages are as stated in the scale under the Scale of Benefits.

MEDICAL AND SURGICAL EXPENSES
reimbursement on the actual, necessary and reasonable medical, hospital or surgical expenses incurred in the treatment of injuries resulting from an accident, provided such treatment is received from qualified medical practitioner or whilst confined in a government or licensed private hospital.

Scale of Benefits

Benefits Sum Insured Death / Permanent Disablement (Accidental) RM 10,000.00 Hospitalization & Medical Expenses (Accidental) RM 2,000.00