Foreign Workers Compensation Scheme
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1 Foreign Workers Compensation Scheme PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Foreign Workers Compensation Scheme (FWCS). Be sure to also read the general terms and conditions.) Date: 1. What is this product about? The Foreign Workers Compensation Scheme (FWCS) was created to protect the interest and welfare of all foreign workers in Malaysia. This scheme provides for the payment of compensation benefits to a foreign worker who posesses valid employment document for injuries sustained due to accident which arises out of or in the course of employment or if the death results from the accident. The Workmen s Compensation Act 1952 was amended in August 1996 Section 26(2) of the Amended Act deems it mandatory for each employer to insure all the foreign workers employed by him in respect of any liability he may incur under the Workmen s Compensation Act Zurich General Insurance Malaysia Berhad is one of the panel insurance companies appointed and approved by the Ministry of Human resources to underwrite the Foreign Workers Compensation Scheme (FWCS). 2. What are the covers / benefits provided? Accidental Death : 1. Up to RM25, (Workmen s Compensation up to RM18,000, the Company shall pay an extra sum of RM7,000) - In the event of death of the Insured Foreign Worker resulting from personal injury by accident in the course of employment. 2. RM23, In the event of death of the Insured Foreign Worker resulting from personal injury by accident after working hour. Permanent Total Disablement : A sum of RM23, in the event of permanent total disablement occurring within 12 months of the accident Permanent Partial Disablement : A sum of money based of the capital sum of RM23, calculated in accordance with the First Schedule of the Workmen s Compensation (Amendment ) Act Temporary Total Disablement : A sum of money calculated in accordance with Section 8 (e) of the Workmen s Compensation Act Medical Expenses : In accordance to the provisions of Workmen s Compensation Act 1952 Occupational Disease : As per Second Schedule of the Workmen s Compensation Act 1952 Repatriation Expenses : The repatriation expenses shall be the actual expenses incurred or RM4, whichever is the lesser, for the transportation of the Insured Foreign Worker to his/her country of origin in the event he/she dies or suffers permanent total disablement. 3. How much premium do I have to pay? Premium : RM67.00 Per worker The estimated total premium that you have to pay is RM Minimum Premium : RM35.00 Per policy Please refer to the agent or contact the insurance company directly for more information. 2011/5/P/G/S/M PDS/GTS/027/12
2 4. What are the fees and charges that I have to pay? Type Commission paid to agent Stamp Duty FWCS Fee Tax (where applicable) Amount 10% of premium or RM RM10.00 per policy RM5.00 per worker RM 5. What are some of the key terms and conditions that I should be aware of? 5.1 The Insured and the Insured Person shall comply with all statutory obligations. Penalty : Under Section 26(6) WC Act 1952 (Act 273) Any employer who fails to cover their foreign workers under this scheme will be liable, if found guilty, a fine of an amount not exceeding RM20, or imprisonment for a period not exceeding two (2) years OR Both. Failure to report the employment accident shall render the employer guilty of an offence under Section 13(5) of the Act and shall be liable to a fine not exceeding RM5, for the first offence, and a fine not exceeding RM10, for any subsequent offence. 5.2 As soon as the workers arrive in Malaysia, they must be covered under this scheme. This scheme is only applicable as long as the workers are in Malaysia 5.3 As soon as the Employer fills up the proposal form and pays the required premium, the cover will be effected. The policy and Identity Card for each worker will be given to the Employer within 10 days after the cover takes effect. 5.4 This policy is limited while the workers are in Malaysia only. The policy immediately becomes null and void as soon as the worker leaves Malaysia. 5.5 Normal diseases are not covered under this policy. However, workers may be allowed to make claims if it is proven that the disease suffered is connected or resultant from the work that is being performed. 5.6 The FWCS is mandatory even if employers are already in possession of other policies. 5.7 The FWCS only covers legal foreign workers. This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this policy. 6. What are the major exclusions under this policy? Normal exclusions, i.e. committing suicides, contravening the laws of Malaysia, drunks caused by alcohol or drugs, dangerous sports, etc. Common law liability This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy. 7. Can I cancel my policy? FWCS may be cancelled of specific reason and refund on premium will still have to be subject to minimum premium. Provided the original document must be returned. You may notify us in writing your new contact details via your agent or to our nearest Branch. 8. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 9. Where can I get further information? If you have any enquiries, please contact us at: Zurich General Insurance Malaysia Berhad 11 th Floor, Menara Zurich, No. 12, Jalan Dewan Bahasa, Kuala Lumpur, Malaysia. Tel : Fax : CallCentre@zurich.com.my 10. Other types of Foreign Workers Insurance cover available i) Foreign Workers Insurance Guarantee (FWIG) ii) Foreign Workers Hospitalization And Surgical Scheme (SKHPPA)
3 IMPORTANT NOTE Zurich General Insurance Malaysia Berhad IS LICENSED UNDER THE FINANCIAL SERVICES ACT AND REGULATED BY BANK NEGARA MALAYSIA. IF THE PROPOSAL / DECLARATION OF THE POLICYHOLDER / INSURED IS UNTRUE OR MISPRESENTED / MISSTATED IN ANY RESPECT, THEN THIS POLICY MAY BE VOID. YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at... IMPORTANT NOTICE All premium and fees shown in this document may be subject to tax or other government levies. Zurich General Insurance Malaysia Berhad ( V) 11th Floor, Menara Zurich, No.12, Jalan Dewan Bahasa, Kuala Lumpur, Malaysia Tel: Fax: Call Centre:
4 Skim Pampasan Pekerja Asing LEMBARAN PENDEDAHAN PRODUK ((Baca Lembaran Pendedahan Produk ini sebelum anda membuat keputusan untuk membeli Skim Pampasan Pekerja Asing (SPPA). Pastikan anda juga membaca syarat-syarat dan peraturan am.) 1. Apakah yang ditawarkan oleh produk ini? Skim Pampasan Pekerja Asing (SPPA) disediakan untuk melindungi kepentingan dan kebajikan semua pekerja asing di Malaysia. Skim ini menawarkan manfaat bayaran pampasan kepada pekerja asing yang memiliki dokumen pekerjaan yang sah bagi kecederaan yang dialami disebabkan kemalangan yang berlaku kerana menjalankan kerja atau pada waktu kerja atau jika berlaku kematian akibat kemalangan. Akta Pampasan Pekerja 1952 telah dipinda pada Ogos 1996 Seksyen 26(2) Akta Yang Dipinda mewajibkan setiap majikan menginsuranskan semua pekerja asing yang diambil bekerja oleh mereka bagi sebarang liabiliti yang mungkin berlaku di bawah Akta Pampasan Pekerja Zurich General Insurance Malaysia Berhad adalah salah sebuah syarikat insurans panel yang dilantik dan diluluskan oleh Sumber Manusia untuk menaja jamin Skim Pampasan Pekerja Asing (SPPA). 2. Apakah perlindungan / manfaat yang diberikan? Kematian Akibat Kemalangan : 1. Sehingga RM25, (Pampasan Pekerja sehingga RM18,000, Syarikat akan membayar jumlah tambahan RM7,000) Sekiranya kematian Pekerja Asing Yang Diinsuranskan adalah akibat kecederaan diri disebabkan oleh kemalangan pada waktu kerja. 2. RM23, Sekiranya kematian Pekerja Asing Yang Diinsuranskan adalah akibat kecederaan diri disebabkan oleh kemalangan selepas waktu kerja. Hilang Upaya Keseluruhan Kekal : Sejumlah RM23, sekiranya berlaku hilang upaya keseluruhan kekal dalam masa 12 bulan selepas kemalangan Hilang Upaya Separa Kekal : Sejumlah wang berasaskan jumlah utama RM23, dikira menurut Jadual Pertama Akta Pampasan Pekerja (Pindaan) Hilang Upaya Keseluruhan Sementara : Sejumlah wang dikira menurut Seksyen 8 (e) Akta Pampasan Pekerja Perbelanjaan Perubatan : Menurut peruntukan Akta Pampasan Pekerja 1952 Penyakit Pekerjaan : Seperti dinyatakan dalam Jadual Kedua Akta Pampasan Pekerja 1952 Perbelanjaan Penghantaran Pulang : Perbelanjaan penghantaran pulang adalah perbelanjaan sebenar yang ditanggung atau RM4, yang mana lebih rendah, untuk pengangkutan Pekerja Asing Yang Diinsuranskan ke negara asal sekiranya beliau meninggal dunia atau mengalami hilang upaya keseluruhan kekal. 3. Berapakah premium yang perlu saya bayar? Premium : RM67.00 setiap pekerja Anggaran jumlah premium yang anda perlu bayar ialah RM Minima Premium: RM35.00 setiap polisi Sila rujuk terus kepada ejen atau syarikat insurans untuk maklumat lanjut. 2011/5/P/G/S/M PDS/GTS/027/12
5 4. Apakah yuran dan caj yang perlu saya bayar? Jenis Komisen dibayar kepada ejen Duti Setem Yuran SPPA Cukai (yang mana berkenaan) Jumlah 10% daripada premium atau RM RM10.00 setiap polisi RM5.00 setiap pekerja RM 5. Apakah antara syarat-syarat dan peraturan penting yang saya patut ketahui? 5.1 Yang Diinsuranskan dan Orang Yang Diinsuranskan hendaklah menunaikan semua kewajipan berkanun. Denda : Di bawah Seksyen 26(6) Akta Pampasan Pekerja 1952 (Akta 273) Mana-mana majikan yang gagal melindungi pekerja asing mereka di bawah skim ini boleh didakwa, jika didapati bersalah, boleh dikenakan denda tidak melebihi RM20, atau hukuman penjara bagi tempoh tidak melebihi dua (2) tahun ATAU kedua-duanya. Kegagalan untuk melaporkan kemalangan pekerjaan boleh menyebabkan majikan didapati bersalah melakukan kesalahan di bawah Seksyen 13(5) Akta dan boleh dikenakan denda tidak melebihi RM5, bagi kesalahan pertama, dan denda tidak melebihi RM10, bagi sebarang kesalahan seterusnya. 5.2 Sebaik sahaja pekerja tiba di Malaysia, mereka mesti dilindungi di bawah skim ini. Skim ini hanya berkuatkuasa selagi pekerja berada di Malaysia 5.3 Sebaik sahaja Majikan mengisi borang cadangan dan membayar premium yang dikehendaki, perlindungan akan berkuat kuasa. Polisi dan Kad Pengenalan untuk setiap pekerja akan diserahkan kepada Majikan dalam masa 10 hari selepas perlindungan berkuatkuasa. 5.4 Polisi ini terhad kepada tempoh pekerja berada di Malaysia sahaja. Polisi serta-merta terbatal dan tidak sah sebaik sahaja pekerja meninggalkan Malaysia. 5.5 Penyakit biasa tidak dilindungi di bawah polisi ini. Walaubagaimanapun, pekerja boleh dibenarkan membuat tuntutan jika dapat dibuktikan bahawa penyakit yang dihidapi adalah berkaitan atau berpunca daripada pekerjaan yang dilakukan. 5.6 SPPA adalah mandatori sekalipun jika majikan sudah mempunyai polisi lain. 5.7 SPPA hanya melindungi pekerja asing yang sah. Senarai ini tidak lengkap. Sila rujuk kontrak polisi untuk syarat-syarat dan peraturan di bawah polisi. 6. Apakah pengecualian penting di bawah polisi ini? Pengecualian biasa, iaitu membunuh diri, melanggar undang-undang Malaysia, mabuk disebabkan oleh alkohol atau dadah, sukan berbahaya, dan sebagainya Liabiliti undang-undang biasa Senarai ini tidak lengkap. Sila rujuk kontrak polisi untuk senarai penuh pengecualian di bawah polisi ini 7. Bolehkah saya membatalkan polisi? SPPA boleh dibatalkan atas sebab tertentu dan pembayaran balik premium masih tetap tertakluk kepada premium minimum. Dengan syarat dokumen asal mesti dipulangkan. Anda boleh memaklumkan kami secara bertulis mengenai maklumat hubungan baru anda melalui ejen anda atau Cawangan kami yang berhampiran. 8. Apakah yang perlu saya lakukan jika terdapat pertukaran dalam maklumat hubungan saya? Adalah penting bagi anda untuk memaklumkan kepada kami tentang sebarang pertukaran dalam maklumat hubungan anda untuk memastikan semua surat sampai kepada anda tepat pada masanya. 9. Di mana saya boleh mendapatkan maklumat lanjut? Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: Zurich General Insurance Malaysia Berhad Tingkat 11, Menara Zurich, No. 12, Jalan Dewan Bahasa, Kuala Lumpur, Malaysia. Tel : Faks : E-mel : CallCenter@zurich.com.my 10. Jenis Insurans Pekerja Asing lain yang ditawarkan i) Jaminan Insurans Pekerja Asing ii) Skim Kemasukan Hospital & Pembedahan Pekerja Asing (SKHPPA)
6 NOTA PENTING Zurich General Insurance Malaysia Berhad DIBERIKAN LESEN DI BAWAH AKTA PERKHIDMATAN KEWANGAN DAN DIKAWAL SELIA OLEH BANK NEGARA MALAYSIA. JIKA CADANGAN / PERAKUAN PEMEGANG POLISI / PEMEGANG INSURAN ADALAH TIDAK BENAR ATAU DISALAHSAMPAIKAN / DISALAHNYATAKAN DALAM APA JUA CARA, MAKA POLISI INI BOLEH MENJADI TIDAK SAH. ANDA HENDAKLAH MEMASTIKAN BAHAWA POLISI INI ADALAH YANG TERBAIK UNTUK KEPERLUAN ANDA. ANDA PERLU MEMBACA DAN MEMAHAMI POLISI INSURANS DAN BERBINCANG DENGAN EJEN/BROKER ATAU HUBUNGI SYARIKAT INSURANS SECARA TERUS UNTUK MENDAPATKAN LEBIH BANYAK MAKLUMAT. Maklumat yang terkandung dalam lembaran pendedahan ini sah mulai... NOTIS PENTING Semua premium dan yuran yang tertera dalam dokumen ini mungkin tertakluk kepada cukai atau levi kerajaan yang lain. Zurich General Insurance Malaysia Berhad ( V) Tingkat 11, Menara Zurich, No.12, Jalan Dewan Bahasa, Kuala Lumpur, Malaysia Tel: Faks: Pusat Panggilan:
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