Our Businesses

Insurance

 
 
 
We are not categorized as Manforce Group Insurance, yet we are one of the agent employed under Chubb Insurance Malaysia Berhad. We offered three main foreign worker’s insurance which consists of Foreign Worker Insurance Guarantee (FWIG), Foreign Worker Compensation Scheme (FWCS) and also Foreign Worker Hospitalization Scheme (FWHS). Furthermore, we also provide other insurance solutions such as Motor Insurance, Travel Insurance, My Home Insurance and FlexiGuard Business Insurance.

 Foreign Worker Insurance Guarantee (FWIG)

 

Foreign Worker Insurance Guarantee (FWIG) is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers in Malaysia under Regulation 21 of the Immigration Regulations. This insurance serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event of your foreign worker is required by the authorities to be sent back to his or her country of origin during his or her course of stay in Malaysia.

 

 Foreign Worker Compensation Scheme (FWCS)

 

Foreign Worker Compensation Scheme (FWCS) is to protect the welfare and interests of foreign workers in Malaysia. The scheme pays the compensation benefits to a foreign worker with valid employment document for injuries sustained or death due to an accident arising out of or during his or her course of employment.

Under Section 26(2) of the Amended Act 1996 of Workmen’s Compensation Act 1952, it is mandatory for employers to insure all the foreign workers employed by them under the Foreign Workers Compensation Scheme. This policy will provide protection to all your foreign workers as provided under the Act.

 

Benefits:

 
 
 
Section 1- Workmen’s Compensation Insurance
  1. Death from occupational disease or accident during working hours
  2. Death by accident whilst in the course of employment
  3. Funeral expenses
  4. Permanent total disablement
  5. Temporary disablement (Half monthly payment)
 
Section 2- Repatriation Expenses

The cost of transportation of the remains of the deceased worker or permanently disabled worker back to his/her country of origin in the event of death of permanent total disablement.

 
Section 3- Personal Accident (Off-work hours)

Payable in respect of personal injury or death sustained in an accident happening outside the working hours:-

  1. Death or permanent disablement
  2. Permanent partial disablement
  3. Temporary disablement
  4. Medical expenses
 
 

 Foreign Workers Hospitality and Surgical Insurance (FWHS or SKHPPA)

 

Foreign Workers Hospitalization and Surgical (FWHS or SKHPPA) is a yearly renewable hospital and surgical insurance scheme designed to reduce the financial burden of the employer of foreign workers in the event of hospital admission of their foreign workers to a Non-Corporatized Malaysian Government Hospital due to an illness or accident.

 

Benefits:

 
 
 
  1. Daily hospital room & board (Maximum up to 30 days)
  2. Intensive care unit (Maximum up to 15 days)
  3. Hospital supplies & services
  4. Operating theatre
  5. Surgical fees
  1. Anaesthetist fees
  2. In-hospital physician visits (Maximum up to 30 days)
  3. In-hospital specialist consultation visits (Maximum up to 30 days)
  4. Ambulance fees/ Medical report fees
 

 Other Insurance Policies:

 

We are also providing other services such as motor insurance, travel insurance, My Home insurance and also FlexiGuard Business insurance.

 
 
 

Motor Insurance

 

Motor Insurance provides insurance against liabilities to other parties for injury or death, damage to other parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. For Third Party Motor Insurance, the policy provides insurance against liabilities to other parties for injury or death, damage to other parties’ property. (From Chubb)

 

Benefits:

 
 
 
Section 1- The Comprehensive Policy Covers:
  1. Third party bodily injury and death
  2. Third party property loss or damage
  3. Loss or damage to your won vehicle due to accidental fire, theft or accident.
Optional benefits that you may wish to purchase by paying additional premium:
  1. Windscreen damage
  2. Legal Liability of Passenger (LLP)
  3. Damage arising from flood and landslide
  4. Strike Riot and Civil Commotion (SRCC)
  5. Additional named driver
Section 2- The Third Party Policy Covers:
  1. Third party bodily injury and death
  2. Third party property loss or damage
 
 
 

Travel Insurance (Domestic & International)

 

Travel Insurance is one of the worldwide leaders in the provision of travel insurance products and services to millions of travellers. Our suite of products is specially designed to provide you a great coverage wherever your travels may take you. This insurance cover personal accident, comprehensive medical expenses, travel inconvenience benefits such as trip cancellation, flight or baggage delay and many more. (From Chubb)

 

Benefits:

 
 
 
  1. 24 hours worldwide assistance services
  2. Emergency medical evacuation
  3. Emergency medical repatriation
  4. Repatriation of mortal remains
  1. Compassionate visit
  2. Personal accident
  3. Loss of luggage assistance
 
 
 

My Home Insurance (Fire Insurance- Home)

 

With broad optional benefits available at your choice and at an affordable price, My Home Insurance provides extensive coverage for your property, home and your material possessions that you hold dear to your heart. You can enjoy and live with peace of mind knowing that you are well protected by My Home Insurance. (From Chubb)

 

Benefits:

 
 
 
  1. Buildings and Contents - In the event of fire, explosion, impact to buildings by road vehicle and animals of third party, water tank related problems, theft, hurricane, typhoon, earthquake, volcanic eruption and flood, we provide covers for loss or damage to your building and household goods.
  2. Personal Liability - We indemnify the insured against legal liability for bodily injury to third party or property damage to third party arising from accidents at your house.
  3. Accidental Death - We cover you against death due to external or visible violence cause by thieves, fire, explosion or flood at your house.
 
 
 

FlexiGuard Business Insurance (Fire Insurance-Commercial Business)

 

FlexiGuard Insurance provides tailored specifically for Small Medium Enterprise (SME) needs, ensuring SMEs can access comprehensive coverage at an affordable price to ensure the continuity of their business. (From Chubb)

 

Benefits:

 
 
 
  1. Compulsory Covers
    • Fire
  1. Optional Covers
    • All risks
    • Burglary
    • Public liability
    • Money
    • Plate glass & signboard
    • Consequential loss
    • Group personal accident
 
 
Contact Us today for more information.
 

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