This policy will reduce the financial burden of the employer of foreign workers in the event of hospital admission of their foreign worker or maid due to an accident or illness.
Key Coverages

• Daily hospital and room board
• Intensive care unit (ICU)
• Operating theatre fees
• Surgical fees
• Anaesthetist fees
• In-hospital physician visits
• In-hospital specialist consultation visits
• Ambulance fees
• Medical report fees

This policy provides the protection for personal injury or death sustained in an accident outside working hours. The statutory coverage of Social Security Organization (SOCSO) for foreign workers or maid are insufficient to cover for potential losses as the coverage period is only within working hours.
Key Coverages

• Medical and surgical expenses
• Temporary disablement
• Permanent partial disablement
• Death or permanent disablement

Insurance Guarantee is a guarantee required by Immigration Department of Malaysia from employers as a security deposit for the employment of foreign workers in various sectors.
Key Coverages

• Breach of Section of the Immigration Act of Malaysia
• If worker or maid get married/become pregnant during the stay
• If worker remains in malaysia after the expiry of permit or visa
• Mortal remains to his country of origin
• If the worker involved in illegal and illicit activities, such as drug, immoral work and others
• If the worker engages in any of employment in any business or any occupation or activity detrimental to security and wellbeing of Malaysia