Guidelines for Employers on Insurance Purchase via FWCMS
Under the new process, employers must obtain an Insurance Transaction Reference (ITR) number through FWCMS before purchasing insurance. This ensures that the insurance policy is correctly linked to the worker's permit renewal application.
Steps for Offline Insurance Purchase via FWCMS

1. Generate ITR Number
   Begin by generating the Insurance Transaction Reference (ITR) number automatically through FWCMS.
2. Provide ITR Number
   Employers need to update the ITR number by clicking the link in the confirmation email we send. This will redirect you to a page where you can submit the ITR number as a reference.

Important Notes:

• PLKS Expiry Date Requirement - Insurance companies do not allow multiple PLKS expiry dates and nationalities within a single policy. Employers must group workers with the same PLKS expiry date and nationality before creating the ITR number.
• For Optimal Premium - please request for one (1) ITR number only for all workers with a common nationality and permit expiry date

Request for One (1) ITR Number Per Group: Ensure that you request one (1) ITR number only for all workers who share the same nationality and have the same permit expiry date. This consolidates the group for processing.
Avoid requesting for Multiple ITR Numbers: If you request for multiple ITR numbers from the FWCMS for each of your workers, every individual worker will need a separate insurance policy.