Foreign Workers - Plus

The Foreign Workers Plus is specially designed to give an additional cover on top of the Compulsory Foreign Workers Compensation Scheme (FWCS). 

Eligibility
Employers who are employing foreigners who are:
1. Having a valid work permit
2. Age between 18 to 50 years
3. Free from physical deformity

Highlights of the cover
1. 24 hours worldwide coverage
2. Valid claims will be paid to employer
3. High Medical and Surgical benefits
4. Extended to cover:

• Strike, Riot and Civil Commotion
• Hijacking
• Food and Gas Poisoning
• Drowning
• Unprovoked Murder and Assault
• Insects, Snakes and Animal Bites
• Disappearance
• Natural Disaster
• Exposure to Natural Elements
• Motorcycling

Table of Benefits
Death / Permanent Disablement (Accidental) - RM 10,000
Medical and Surgical Expenses (Accidental) - RM 2,000

Premium:
RM 50 per worker. Subject to 5% service tax & RM 10 stamp duty per policy
Use of woodworking machinery: 25% loading

Exclusions:
This policy does not cover:

1. Death or Disablement or any loss casued directly or indirectly
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny or usurped power, military or popular uprisings
• Insanity, suicide (whether sane or insane) or any attempt threat, intentional self-inflicted injuries
• Any form of disease, infection, parasites
• Intoxication by alcohol or drugs (other than those prescribed by a qualified medical practitioner)
• Childbirth, miscarriage, pregnancy or any complications thereof
• Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC), howsoever this syndrome has been acquired or may be named
• Provoked murder or assault
2. Death or Disablement or any other loss sustained by Life insured
• While traveling in an aircraft as a member of the crew except only as fare-paying passenger in an aircraft licensed for passenger service. For the purpose of this exclusion, the Life Insured would not be covered if he/she is involved in any technical operation or navigation whilst in the aircraft
• While committing or attempting to commit any unlawful act
3. Death or Disablement or any other loss consequent upon the Life insured engaging in hunting, mountaineering, ice-hockey, polo-playing, steeple chasing, winter sports, rugby, parachuting, racing of any kind other than on foot, yatching, water-ski jumping, underwater activities involving the use of breathing apparatus, professional sports, logging activities and using woodwork machinery driven by mechanical power.
4. Death or Disablement directly caused by or contributed or arising from:
•  Ionization, radiation or contamination by combustion of nuclear waste from the combustion of nuclear fuel. For the purpose if this exception, combustion shall include any self-sustaining process of nuclear fusion
• Nuclear weapons material