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You are here: Skip Navigation LinksHome > Insurance > Products > Product Gallery > Foreign Workers Compensation Scheme Insurance
FOREIGN WORKERS COMPENSATION SCHEME INSURANCE
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POLICY DETAILS
Introduction
Scope of Cover & Benefits
Premium
Product Disclosure Sheets
How To Buy
Foreign Workers Compensation Scheme Insurance


INTRODUCTION back to top
 
Under Section 26(2) of the Amended Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all foreign workers employed by him under an approved insurance scheme in respect of any liability that he may incur under the said Act.
 
Any employer who fails to insure the foreign workers under the said scheme shall be guilty of an offence and shall be liable, on conviction, to a fine not exceeding RM20,000.00 or to imprisonment for a term not exceeding 2 years or both.
 
Kurnia Insurans has been appointed by the Ministry of Human Resources as one of the insurers to provide coverage for employment accidents to foreign workers. Employers may therefore insure all their foreign workers under the Insurance Scheme with Kurnia Insurans to fulfill the requirements of the Act.


SCOPE OF COVER AND BENEFITS back to top
 
Section 1: Workmen’s Compensation
This section covers the Insured’s foreign worker against personal injury by accident or disease arising out of or in the course of employment with the Insured.
 
Scope of cover Benefits
Accidental death due to employment injury 60 months earnings or RM18,000.00 whichever is less
Additional payment of RM7,000 as provided under FWCS.
Permanent Total Disablement 60 months earnings or RM23,000.00 whichever is less
Permanent Partial Disablement A sum of money based on the capital sum of RM23,000 calculated in accordance with the First Schedule of the Workmen’s Compensation Act.
Temporary Total / Partial Disablement A sum of money calculated in accordance with Section 8(e) of the Workmen’s Compensation Act.
Hospitalisation and Medical Expenses Pays in accordance with the provisions of the Workmen’s Compensation Act (max. RM750)
Occupational Disease as per Second Schedule of the Act.
Note:
Compensation shall not be payable for first 4 days of disablement unless the disablement lasts for a period of at least 14 days.
 
Section 2: Repatriation Expenses
This section will indemnify the Insured for the actual repatriation expenses incurred or RM4,800.00 whichever is the lesser, in the event the insured worker dies or suffers permanent total disablement.
 
Section 3: Personal Accident Insurance (Off-Work Hours)
This section will pay to the Insured person or his legal representative for personal injury sustained in an accident, which occurs outside the working hours
 
Scope of cover Benefits
Accidental Death (occurring within 12 months of the accident) Compensation sum of RM23,000
Permanent Total Disablement (occurring within 12 months of the accident) Maximum compensation sum of RM23,000
Permanent Partial Disablement A sum of money based on the capital sum of RM23,000 calculated in accordance with the First Schedule of the Workmen’s Compensation Act
Temporary Disablement A sum of money calculated in accordance with Section 8(e) of the Workmen’s Compensation Act.
Medical Expenses Pays in accordance to the provisions of the Workmen’s Compensation Act (max. RM750).


PREMIUM back to top
 
The minimum annual premium is RM 72.00 (RM 67.00 + SPPA service fee RM5.00) per foreign worker
(Before RM10.00 Stamp Duty and 5% service tax, if applicable)
 
SPPA service fee is a fee charged for electronic link-up service for “Skim Pampasan Pekerja Asing (SPPA). Insurer will act as collection agent on behalf of Labour Department and shall not be responsible for all matters arising out of the service for which the fee is levied.


PRODUCT DISCLOSURE SHEETS back to top
 
Click here to view Product Disclosure Sheets (PDS).


HOW TO BUY back to top
1 Buy directly from Kurnia Branch
2 Buy directly from our Agents
3 Make Product Enquiry


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