Foreign Worker Insurance
Insurance Guarantee (FWIG) &
Hospitalization and Surgical Insurance (FWHS / SKHPPA)
Foreign Workers Insurance Guarantee (FWIG)
The Foreign Workers Insurance Guarantee (FWIG) is a mandatory security deposit required by the Malaysian Immigration Department for employers hiring foreign workers. This guarantee serves as a safeguard for repatriation expenses if a foreign worker needs to be sent back to their home country during their employment in Malaysia.
Key Features
of FWIG
Repatriation Coverage
Ensures coverage for repatriation expenses as mandated by authorities.
Duration of Coverage
Set at 18 months by the Immigration Department, providing employers with extended peace of mind.
Renewal Requirement
A new FWIG is necessary upon renewing the foreign worker’s permit.
Premium Variation
The total premium payable depends on the worker's nationality and Allianz underwriting requirements.
Foreign Workers Hospitalization and Surgical Insurance
(FWHS / SKHPPA)
To address rising healthcare costs and ease the financial burden of employers, the Foreign Workers Hospitalisation and Surgical Insurance (FWHS / SKHPPA) is designed to cover foreign workers’ medical expenses. This policy ensures that employers are well-prepared for any unforeseen medical emergencies involving their workers.
Key Features
of FWHS / SKHPPA
Hospital and Surgical Coverage
Provides comprehensive coverage for hospitalization and surgical expenses resulting from accidents or illnesses.
Cashless Admission
Foreign workers can enjoy cashless admission to government hospitals, ensuring timely treatment without financial strain.
Third-Class Room and Board
Covers accommodation in government hospitals under a third-class category, offering affordable healthcare options.
Emergency Treatment
Exceptions are made for emergency cases requiring immediate care at private hospitals.