Foreign Workers Compensation Insurance - 4th Principal

This scheme is exclusively designed to insure foreign w orkers legally employed in Malaysia. The annual premium is RM67 per foreign w orker + RM5 SPPA service charge. (excluding RM10 stamp duty and 6% service tax).

Summary of Coverage


Section 1: Workmen’s Compensation Insurance

Payable for death or disability arising from injury by accident or disease arising out of and in the course of employment.
 
COVERAGE BENEFITS
1. Death
RM18,000 or 60 times monthly salary whichever is lesser. In case of accidental death in the course of employment, an extra sum of RM7,000 will be payable.
2. Funeral Expenses
(if the deceased workman has no dependants) Up to RM1,000.
3. Permanent Total Disablement RM23,000 or 60 times monthly salary whichever is lesser.
4. Temporary Total/Partial Disablement Half monthly payment of RM165.00 or 1/3 of monthly salary for a max of 60 months whichever is lesser.
5. Medical Expenses As stipulated under the Workmen’s Compensation Act.
 
Section 2: Repatriation Expenses

Payable for the costs of transportation of the insured workman to his/her country of origin in the event of death or
permanent total disablement up to the actual expenses incurred or RM4,800 w hichever is lesser.
 
Section 3: Personal Accident Insurance (Off-Work Hours)

1. Payable in respect of personal injury sustained in an accident outside the working hours.

2. RM23,000 w ill be paid in the event of death or permanent total disablement occurring within 12 months of the accident.
3. Temporary disablement and medical expenses w ill be in accordance to the Workmen’s Compensation Act 1952

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