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Howden Insurance Brokers Sdn Bhd

Foreign Workers Insurance Guarantee (FWIG)

. An insurance guarantee required by the Malaysian Immigration Department from employers as a security deposit.
. Covers repatriation expenses in the event where your foreign worker is required by the authorities to be sent back to his country origin during his stay in Malaysia.
. Amount of Guarantee is accordingly to the worker’s nationality.
. Gross Premium (before SST & Stamp Duty) is calculated as 1% of Amount of Guarantee, Min RM 50.00 per Guarantee issued.

Foreign Workers Hospitalization And Surgical (FWHS)

. Coverage for hospitalisation and medical expenses due to accident or sickness of the foreign workers.
. Subject to an annual limit of RM 20,000.00 per worker.
. Premium is RM 120.00 (inclusive of Third Party Claims Administrator (TPCA) fee (before SST & Stamp Duty).


Main Coverage
Gross Premium RM80.00 RM60.00
Death & Permanent Disablement Up to RM 30,000.00 Up to RM 15,000.00
Repatration to country of origins RM 5,000.00 Up to RM 4,000.00