General / Foreign Worker
Insurance

Aarrohi offers access to general / foreign worker insurance plans in Malaysia, helping employers meet legal requirements while ensuring their workers are protected. From medical coverage to personal accident benefits, we assist in finding the right plan to safeguard your workforce.

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General Foreign Worker Insurance

- General / Foreign Worker Insurance Products

What Do We Offer

Protect your business, assets, and financial well-being with our wide range of insurance solutions designed to safeguard you from unexpected events. Our offerings include:

Workmen’s Compensation Insurance

A policy covering employees against workplace injuries, accidents, and occupational diseases.

Coverage Includes:

  • Compensation for medical expenses and loss of income due to work-related accidents.
  • Reimbursement for hospitalisation and surgical costs.
  • Protection under Workmen’s Compensation Law and Common Law claims (up to RM1,000,000 per accident).

Foreign Workers Insurance Guarantee (FWIG)

Coverage includes:

  • A mandatory guarantee is required by the Malaysian Immigration Department.
  • Covers repatriation expenses if a foreign worker needs to be sent back to their home country.
  • Typically valid for 18 months, with renewal required upon permit extension.
  • The premium amount varies based on the worker’s nationality.

Foreign Workers Hospitalization and Surgical Insurance (FWHS/SKHPPA)

Coverage includes:

  • A compulsory medical insurance required by the Ministry of Health.
  • Covers hospitalisation and surgical expenses at Malaysian government hospitals.
  • Provides cashless admission under a Third-Class Room and Board basis.

Foreign Workers Plus (FW Plus)

Coverage includes:

  • Additional personal accident coverage for foreign workers.
  • Provides coverage for accidental death and permanent disablement (up to RM10,000).
  • Includes medical and surgical expenses (up to RM2,000).
  • 4/7 worldwide coverage, including risks like riots, civil commotion, drowning, natural exposure, animal bites, unprovoked assault, and accidents.

- FAQ

Frequently Asked Questions

What is General & Foreign Worker Insurance?

General & Foreign Worker Insurance provides coverage for employees, including foreign workers, against workplace accidents, medical emergencies, and other unforeseen events. It ensures businesses meet legal requirements and offers financial protection.

Is insurance for foreign workers mandatory?

Yes, employers in Malaysia are required by law to provide insurance for foreign workers, covering aspects like medical expenses and repatriation costs.

What does Workmen’s Compensation Insurance cover?

This policy covers workplace injuries, medical expenses, and loss of income due to accidents. It also protects employers from legal claims related to workplace incidents.

What is Foreign Workers Insurance Guarantee (FWIG)?

FWIG is a mandatory insurance policy required by the Immigration Department. It covers the costs of repatriation for foreign workers and is valid for 18 months, after which renewal is required.

How long is FWIG valid?

FWIG is valid for 18 months, which aligns with the foreign worker’s work permit duration. A renewal is needed if the work permit is extended.

What does FWHS/SKHPPA cover?

This medical insurance covers hospitalisation and surgical expenses at Malaysian government hospitals, providing cashless treatment on a Third-Class Room basis.

What is Foreign Workers Plus (FW Plus) Insurance?

FW Plus provides additional accident coverage for foreign workers, including protection for medical expenses, accidental death, and permanent disability, with worldwide coverage for certain risks.

How much does foreign worker insurance cost?

The cost of foreign worker insurance depends on the worker’s nationality and the coverage selected. Premium rates may vary based on these factors.

Can this insurance cover non-work-related illnesses?

Workmen’s Compensation Insurance is limited to work-related injuries and illnesses. For broader coverage, additional insurance options may be available for non-work-related conditions.

What should I do if a foreign worker is injured?

If a foreign worker is injured, ensure they receive immediate medical attention. Then, report the incident as required by the insurance policy to start the claims process.

- Real Testimony

People Trust Us - And Here’s Why

Test 01 - The level of professionalism and personalized service we received was exceptional. Their ability to understand our unique financial needs has helped us stay ahead of the competition. We saw considerable growth in our financial stability within just six months.

Client 01 - Vinood

SEO of Charit

Test 02 - The level of professionalism and personalized service we received was exceptional. Their ability to understand our unique financial needs has helped us stay ahead of the competition. We saw considerable growth in our financial stability within just six months.

kumaran

Client 02 - Shalini

SEO of Posh