Emergency Contact
 
Emergency Contact Information, Motor Assistance Call Center, Medical Assistance Call Center, Travel Assistance Call Center, International Emergency Evacuation Medical Assistance Call Center.
 
紧急汽车援助中心, 医疗援助中心, 旅游援助中心, 国际紧急疏散医疗援助中心.
 
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Emergency Contact Information, 
Motor Assistance Call Center, 
Medical Assistance Call Center, 
Travel Assistance Call Center, 
International Emergency Evacuation 
Medical Assistance Call Center.
 
 
紧急汽车援助中心, 医疗援助中心, 
旅游援助中心, 国际紧急疏散医疗援助中心.

MOTOR ASSISTANCE SERVICES
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES

  
Motor Assistance Services applicable
for private car / private use only.
(Helpline Daily 24 hours)
 
AmGeneral Auto Assist Call Center    
Toll Free : 1 800 88 2647
AmGeneral Panel Workshops
               
AIG Road Ranger Assistance Call Centre
Toll Free :1 300 88 3933
AIG Panel Windscreen Workshops
             
Allianz Road Warrior Assistance Call Center
Toll Free : 1 800 22 5542 
Allianz Panel Workshops
 
AXA Motor Assistance Call Center
Toll Free : 1 800 88 1033
 
Berjaya Sompo Motor Assistance Call Center
Toll Free : 1 800 18 8033 
Berjaya Sompo Panel Workshops
 
Chubb Motor Assistance Call Center
Toll Free : 1 800 22 5542       
Chubb Panel Workshops
 
Etiqa Takaful Motor Assistance Call Center
Toll Free : 1 800 22 5542       
Etiqa Takaful Panel Workshops
 
Kurnia Auto Assistance (KAA) Call Center
Toll Free : 1 800 88 3833     
Kurnia Panel Workshops
 
Lonpac Motor E- Assist Helpline
Toll Free : 1 800 88 1138
 
MSIG Motor Assistance Call Center
Toll Free : 1 300 88 0833
 
RHB Insurance Roadside Assistance Call Center
Toll Free : 1 300 88 0881
RHB Panel Workshops
 
The Pacific Insurance Roadside Assistance Call Center
Toll Free : 1 300 88 0988
Pacific Panel Workshops
Pacific Panel Windscreen Workshops
 
Takaful Malaysia Roadside Assistance Call Center
Toll Free : 1 800 88 8788
Takaful Malaysia Panel Workshops
Takaful Malaysia Panel Windscreen Workshops
 
Tokio Marine Motor Assistance Call Centre
Toll Free :1 800 88 1301
Tokio Marine Panel Workshops
Tokio Marine Panel Windscreen Workshops 
 
Zurich Roadside Assistance Call Center
Toll Free : 1 300 88 6222
Zurich Panel Workshops
Zurich Panel Windscreen Workshops 
 
 
          
 
MEDICAL ASSISTANCE SERVICES
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES
 

Medical / Hospital Insurance
Hospital Admission & Discharge Call Centre
(Helpline Daily 24 hours)
 
 
AXA Medical Assistance Helpline
Fixed Line : +603-7843 9459
Toll Free : 1 300 88 9979. 
 
Lonpac Medical Assistance Helpline        
Fixed Line : +603-7965 3882.
 
The Pacific Insurance Medical Assist Call Center
Fixed Line : +603-7628 3992,
Fixed Line : +603-7965 5660.
PIB Panel Hospital List
Allianz Medical Assistance Call Center
Toll Free : 1 800 88 1311 (Life)
Toll Free : 1 800 88 1138 (Non Life)  
Fixed Line : +603-7954 4629 (Life) 
Fixed Line : +603-7628 3600 (Non Life)
Allianz Panel Hospital List
 
MSIG Medical Assistance Call Center
Toll Free : +603-7956 1233
MSIG Panel Hospital List

Zurich Medical Assistance Call Center
Toll Free : 1 300 80 0020
Fixed Line : +603-7803 2003
 
AIA Medical Assistance Call Center 
Toll Free : 1 300 88 1899
 
 
 
TRAVEL ASSISTANCE SERVICES
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES

Travel Insurance
Worldwide Assistance Call Centre
(Helpline Daily 24 hours)

AXA Travel Worldwide Assistance Helpline
Fixed Line : +603 2142 0399
 
Lonpac Travel Worldwide Assistance Helpline
Fixed Line : +603 2711 8299

AIG Travel Guard Worldwide Helpline
Fixed Line : +603 2772 5600

Allianz Travel Worldwide Assistance Helpline
Fixed Line : +603 7628 3919,
Fixed Line : +603-7965 3919.
 
MSIG Travel Worldwide Assistance Helpline
Fixed Line : +603-7965 3930

EMERGENCY EVACUATION MEDICAL ASSISTANCE
HELPLINE INFORMATION
FROM MALAYSIA INSURANCE COMPANIES

Emergency Evacuation& Repatriation Services
Medical Assistance Call Centre
 
AIG Worldwide Medical Assistance Call Centre
Fixed Line : +603-2772 5600
 
Zurich Worldwide Medical Assistance Call Centre
Fixed Line : +603-7956 1233
 
24 hours Claims Service
For Hospital Admission & Discharge and Travel Insurance.
 
Reporting A Claim / Notification
ACPG Insurance Claim Support Information

ACPG Claim Support Line (Office hours)
+ 603 - 9286 3323.
 

ACPG 24 hours Claim Notification
SMS, Whatsapps, Viber, Wechat, Line.
+ 6011 - 1223 9838
 

ACPG Claim Fax services (Office Hours)
+ 603 - 9282 3232
 

ACPG Claim Email Support/enquiry
ACPG Claim Skype Account :
acpg.insurance (service@acpgconsultant.com).

 
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PBB-3985174034
 
Insurer Bank Account Number

AIG MALAYSIA INSURANCE BERHAD :
HSBC-3012-9587-9101
 

AXA AFFIN GENERAL INSURANCE BERHAD :
MBB-5141-0520-6919
Affin-1000-2000-9871

LONPAC INSURANCE BHD :
CIMB-9899-000-0003-71
 

MSIG INSURANCE (MALAYSIA) BHD :
MBB-5140-1127-9262
 

THE PACIFIC INSURANCE BERHAD :
MBB-5143-5681-4875
 
 
NCD Online Check (ISM)

What is No Claim Discount (NCD)?

The No Claim Discount (NCD) is a reward scheme received by motor policy holders for not making a claim during the preceding 12 months.


How much of No Claim Discount (NCD) am I entitled to?

Consumers are eligible for NCD ranging from 0% to 55% of the premium payable depending on the type of vehicle, coverage and number of years claim not intimated. For a private car, the scale of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for motorcycles and commercial vehicles, it ranges from 0% to 25%.


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Malaysia Foreign Workers Insurance, Malaysia Foreign Worker Hospital Insurance, Malaysia Foreign Worker Insurance Guarantee, Foreign Worker Insurance Malaysia, Malaysia FWCS, Malaysia SKHPPA, FWIG

We (ACPG) One of The Largest Foreign Workers Insurance Service Provider in Malaysia.
 
Foreign Workers Insurance,  Foreign Workers Compensation Schem FWCS, SKHPPA, Foreign Worker Insurance Guarantee (FWIG) By ACPG
 
 
 
We (ACPG) specializes in insurance schemes for foreign worker in Malaysia

ACPG Management Sdn Bhd or ACPG is a registered Insurance Agency and an authorized agency in Malaysia.

ACPG Management Sdn Bhd (ACPG) is a Malaysia based company formed in Year 1989. Its office is located in Taman Maluri, Cheras, Kuala Lumpur.

The founder of ACPG is Mr. Anthony Chin (ACPG), who is a successful businessman with 23 years of excellent track record in the insurance industry. To date, ACPG has extended its business to all parts of Malaysia, providing a wide range of insurance schemes to more than 1000 business partners. Our clients include the nation top MAID AGENCIES, FOREIGN WORKER AGENCIES , FOREIGN WORKER OUTSOURCING COMPANIES, MAIN CONTRACTORS, SUB CONTRACTORS, FACTORY, MANUFACTURING, CONSTRUCTION COMPANY AND F&B RESTAURANT.

ACPG strength is in the provision of personalized customer service to our clients, meeting their insurance needs. Our premise insurance products include Foreign Worker Compensation Scheme (FWCS), Foreign Worker Hospitalization and Surgical Insurance Scheme (SKHPPA), Insurance Guarantee (IG), Bank Guarantee (BG), Contractor All Risk Insurance, Workmen Compensation insurance CAR), Erection All Risk Insurance (EAR) and all others classes of general insurance such as motor vehicle insurance, private car insurance, commercial car insurance, Personal Accident insurance, Group Accident Insurance, All Risk insurance, Public Liability Insurance, Legal Liability insurance, Management Liability insurance, professional liability insurance, errors and omission insurance, libel and slider insurance and etc.

 
 
 
For ACPG Corporate Video posted on YouTube
at http://youtu.be/hwWKPU003gE  for Malaysia Commercial Insurance (Business Insurance) and
at http://youtu.be/0hN64xcYgrI for Malaysia Individual Insurance (Personal Insurance).



Malaysia Foreign Worker & Maid Insurance
 
 
SKIM PAMPASAN PEKERJA ASING (FWCS)
SKIM KEMASUKAN HOSPITAL DAN PEMBEDAHAN
PEKERJA ASING (SKHPPA)
SKIM INSURANS PEMBATU RUMAH

*Foreign Worker Insurance Guarantee (FWIG)
*Foreign Worker Compensation Scheme (FWCS)
*Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
*Domestic Servant Insurance Scheme (DSIS)
*Maids Insurance Scheme (MIS)


Benefits of Coverage

- Repatriation Expenses
- Personal Accident Insurance
- Disease Death
- Permanent Partial / Total Disablement
- ICU/ Ambulance Fees / Medical Reprot Fees
- Temporary Disablement
- Accidental Medical Expenses
- Hospital & Surgical Medical Expenses
- Weekly Income Benefits 
 
FWCS
 
Foreign Worker Compensation Scheme (FWCS) – Overview
The Workmen’s Compensation Act 1952 was amended in August 1996.
 
 
Under Section 26(2) of the Amended Act, it is mandatory for every employer to insure all the foreign workmen employed by him under an Approved Insurance Scheme in respect of any liability he may incur under the Workmen’s Compensation Act 1952.
 
 
Any employer who fails to insure the foreign workmen under the Approved Insurance Scheme is guilty of an offence and shall be liable, on conviction, to a fine not exceeding RM20,000 or to imprisonment for a term not exceeding two years or both.
 
 
Foreign Workers Compensation Scheme (FWCS)

FWCS provides coverage for accidents to the foreign workers with the following benefits:

1. BENEFITS as provided under the Workmen's Compensation Act 1952 -

  1. Accidental Death due to employment injury. (Benefit increased to RM25,000 maximum under FWCS) - Workmen's Compensation up to RM18,000. Personal Accident for Death & Permanent Disablement up to RM7,000.

  2. Permanent Total Disablement

  3. Permanent Partial Disablement - as per Permanent Disablement Table under First Schedule of the Act

  4. Temporary Total Disablement Temporary Partial Disablement

  5. Hospitalisation and Medical Expenses

  6. Occupational Diseases as per Second Schedule of the Act

2. REPATRIATION EXPENSES to send back the foreign workers to their country of origin up to an amount of RM4,800 in the event of Death or Permanent Total Disablement

3. PERSONAL ACCIDENT outside working hours for Death and Permanent Disablement up to RM23,000.

FWCS will also provide each foreign worker an identification card (ID Card) on the insurance coverage.

 
Premium Rate

The ANNUAL PREMIUM charged under the FWCS is RM72 (before Service Tax 6% and Stamp Duty) per foreign worker as approved by the Ministry of Human Resources.

 
  
Enrolment Under FWCS

To enrol under the FWCS, just complete the FWCS Proposal Form which can be obtained by instructing from ACPG by email to enquiry@acpgconsultant.com or call +603-9286 3323 and return the completed form together with:

  1. Copy of Passport of each foreign worker

  2. Copy of Work Permit of each foreign worker

  3. Premium Cheque made payable to "ACPG Management Sdn Bhd" as the approved ACPG Principal Insurer by the Ministry of Human Resources.

 
 
 
Claim Procedure for FWCS

In the event of an accident covered under the FWCS:-

1. REPORT the accident immediately to the Labour Department (applicable to employment accident only).

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 RM5,000 for a first offence, and a fine not exceeding RM10,000 for any subsequent offence.

2. REPORT the accident immediately to ACPG (+603-9286 3323) and submit the following documents (whichever is applicable) for claims processing via email to enquiry@acpgconsultant.com :-

  1. Completed Claim Form

  2. Labour Assessment

  3. Medical Report

  4. Medical Receipts

  5. Death Certificate (for death claim)

  6. Post-Mortem Report (for death claim)

  7. Police Report (for death claim)

  8. Other Claims Documents (if any) as required


FOREIGN WORKERS COMPENSATION SCHEME (FWCS)

Under Section 26 the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all the foreign workers employed by them under the above Scheme.

SECTION 26 (1)
COMPULSORY INSURANCE BY EMPLOYER
(Any liability which the employer may incur under this Act to his workman)
 
 
 
SECTION 26 (6)
AN OFFENCE FOR FAILURE TO INSURE
(Fine not exceeding RM20,000.00 or 2 years imprisonment or both)
 
SECTION 13 (1)
NOTICE TO COMMISSIONER BY EMPLOYER
(Employer must report to the labour office within 10 days of any accident to his workman)
 
SECTION 13 (5)
AN OFFENCE FOR FAILURE TO REPORT
(Fine not exceeding RM 5,000.00 for 1st offence and not exceeding RM 10,000.00 for subsequent offences)
 

LAW

  • Workmen’s Compensation Act 1952
  • Workmen’s Compensation (Amendment) Act 1956
  • Workmen’s Compensation (Amendment) Act 1976
  • Modification of Laws (Workmen’s Compensation) (Extension and Modification) order 1981
  • Workmen’s Compensation (Amendment) Act 1996
  • Workmen’s Compensation (Foreign Workers’ Compensation Scheme) (Insurance) Order 1998
  • Workmen’s Compensation (Foreign Workers’ Compensation Scheme) (Insurance) (Amendment)(No.2) Order 2002
  • Workmen’s Compensation (Foreign Workers’ Compensation Scheme) (Insurance) Order 2005


Workmen's Compensation Claim PDF Print
(1)

Workmen’s Compensation Act 1952.

 An Act to provide for the payment of compensation benefits to a foreign worker who possesses valid employment document for injuries sustained due to accident which arises out of or in the course of employment or if death results from the accident, to the dependents.

(2)
Categories of Workmen’s Compensation Claim.


(a) Temporary Disability.
(b) Permanent Disability.
(c) Fatal



(3)
Who is covered under the Workmen’s Compensation Act?


Section 2(1) provides among others "...."workman"...Means any person who has, either before or after the commencement of this Act entered into or works under a contract of service or of apprenticeship with an employer, whether the contract is expressed or implied or is oral or in writing, whether the remuneration is calculated by time or by work done and whether by the day, week, month or any longer period....."

(4)
Who is responsible to pay the compensation?


An employer shall be responsible to pay compensation for any industrial accident. Section 3 (1) provides: "Employer includes the Government of each of the states...any local authority , any person or body of persons whether statutory or incorporated or not, the legal personal representatives of a deceased employer, and in relation to a person employed for the purpose of any game or recreation and engaged or paid through a club, the manager or members of the managing committee of the said club: provided that where the services of a workman are temporarily lent or let on hire to another person by the person with whom the workman has entered into a contract of service or apprenticeship, the latter shall,...continue to be the employer of the workman whilst he is working for that other person".



Under section 19 employers is called "Principle” and is also responsible to pay compensation if he appoints a contractor to carry out work entirely or partially on his behalf. Besides paying compensation, an employer is also responsible to pay for any medical expenses to the workman who met with an accident during his working hours – Section 4 (1) (a)

(5)
Who will receive the compensation?


In cases of non-fatal accidents the workman is entitled to receive from his employer payment of compensation under the Act. In the case of fatal accidents the compensation will be payable to the dependants. Section 3(1) of the Act defines "dependant" as "any member of the family of a deceased workman who wholly or in part depended upon his earnings at the time of his death".




(6)
Reminder To Employers.


Effective 1st April, 1993, all foreign (immigrant) workers employed by an employer are protected under the Workmen’s Compensation Act 1952. Section 26 (1) of the Act requires every employer to insure himself and keep himself insured with a valid workmen’s compensation insurance policy which may be obtained from any of the panel of Insurance Companies appointed by the Government to undertake the implementation of the Workmen's Compensation Insurance Scheme established for this purpose. Employers who contravene the provisions of this Section commits an offence and if convicted for an offence shall be liable to a fine of RM20,000.00 or imprisonment for a term not exceeding two years or to both fine and imprisonment. The cost of obtaining such insurance policy shall be defrayed by the employer and shall not be deducted from the wages of a workman. Any deduction made by an employer for such purpose constitute an offence and if convicted for such offence, the employer will be liable to a fine of not more than RM5,000.00 or imprisonment for a term not exceeding one year or to both fine and imprisonment.

 
 
 
Malaysia Foreign Worker Insurance Plus (FW-Plus)
  
Foreign Worker Hospitalisation & Surgical Insurance Scheme (SKHPPA)
 
 

SKHPPA

 
 
Foreign Worker Hospitalisation & Surgical Insurance Scheme (SKHPPA) - Overview
 
In view of increasing Hospital and Surgical charges, this Scheme is specially designed to reduce the financial burden of the Employers of foreign workers in the event of hospital admission of their foreign workers due to accident or illness.
 
 
 
 
 
Important Information on the Purchase of SKHPPA
 
(SKIM KEMASUKAN HOSPITAL & PEMBEDAHAN PEKERJA ASING)
  

In view of increasing Hospital & Surgical charges, this scheme is specially designed by ACPG Principal Insurers to reduce financial burden of the Employers of foreign workers in the event of hospital admission of their foreign workers due to accident or illness.

 
TO PROSPECTIVE POLICY OWNERS

This page contains important information about the SKHPPA. You should read all the information carefully to make sure that you fully understand it and that it meets your needs. You are advised to read through the list below which explains the essential features of the SKHPPA so that you are able to make an informed decision before purchasing the policy.

  1. The benefits payable under the policy are highlighted in the "Description of Benefits/Coverage".
  2. This is a yearly renewable plan, whereby premiums and benefits are subject to review from time to time. Any changes to benefits and premium can only be imposed by ACPG Principal Insurer on policy anniversary with 30 days written notice based on the emerging claims experience of the portfolio.
  3. Cover ceases from the time your foreign worker leaves Malaysia and resumes upon his/her return to Malaysia.
 
PERIOD OF COVER AND RENEWAL

The policy shall become effective as of the date stated in the Schedule. The Policy Anniversary shall be one (1) year after the effective date and annually thereafter. On each such anniversary, the Policy is renewable at the premium rates in effect at that time as notified by the Company.

The policy is renewable at the option of the Company. In relation to policies which will not be renewed, or for which renewal is to be deferred, the Company shall notify the Policyholder / Insured Person of its decision to decline or defer renewal, together with reasons where appropriate, at least thirty (30) days before the policy anniversary date.

 
DEFINITIONS

PRE-EXISTING ILLNESS shall be limited to disabilities which existed before the effective date of cover and for which the Insured Person should have reasonably been aware of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:-

  1. the Insured Person had received or is receiving treatment;
  2. medical advice, diagnosis, care or treatment has been recommended;
  3. clear and distinct symptoms are or were evident; or
  4. its existence would have been apparent to a reasonable person in the circumstances.

SPECIFIED ILLNESSES shall mean the following disabilities and its related complications, occurring within the first 120 days of Insurance of the Insured Person:-

  1. Cardiovascular disease
  2. All Cancers
 
 
 
 
DESCRIPTION OF BENEFITS/COVERAGE
SCHEDULE OF BENEFIT (ANY ONE DISABILITY)
  
ITEM BENEFITS AMOUNT (RM)
1(a) Daily Hospital Room & Board (Maximum up to 30 days)

As charged - in accordance to charges consistent with THIRD (3rd) Class Room & Board to a maximum of RM60.00 per day in a Non-Corporatist Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fees (Medical) Order 1982

1(b) Intensive Care Unit (ICU) (Maximum up to 15 days)
2 Hospital Supplies and Services
3 Operating Theatre
4 Surgical Fees (Exclude Organ Transplantation)
5 Anesthetist Fees
6 In-Hospital Physician Visits (Maximum up to 30 days)
7 In-Hospital Specialist Consultation Visits (Maximum up to 30 days)
8 Ambulance Fees / Medical Report Fees
<><><><><><><><><>     <><><><><><><><><> 

Maximum Overall Annual Limit (Item 1 to 8)                        RM10,000.00

The Annual Limit under the scheme covers the amount in excess of the medical expenses provided under the Foreign Worker Compensation Scheme (FWCS) as per Section 15(3) of the Workmen's Compensation Act 1952 (Act 273)

IMPORTANT NOTE: All benefits payable for any number of disabilities in any one given period of insurance is subject to the Overall Annual Limit of RM10,000.00 per Insured Worker

 
 
 
PREMIUM RATE
 
 

ANNUAL PREMIUM:

Only RM120.00 per worker + RM10.00 (Stamp Duty)

NOTE: A Service Tax of 6% is applicable if premiums are paid by the Employer.

 
 
 
FREQUENTLY ASKED QUESTIONS(FAQ)

Q: WHAT DOES THE SKHPPA COVER?

 
 
 
 
 
 
A: It covers hospitalization & surgical charges incurred by the foreign worker in the event of hospital admission to a Non-Corporatised Malaysian Government Hospital due to an Accident or Illness.

Q: IS THE SKHPPA A COMPULSORY SCHEME?

A: YES, all foreign workers employed in Semenanjung Malaysia (West Malaysia) that requires PAS LAWATAN KERJA SEMENTARA (PLKS) must be covered with SKHPPA from 01/01/2011. The Labour Department allows you to advance the payment for the required premiums and then subsequently deduct same from your workers' salaries. Alternatively, you may also choose to bear the full cost of the required premiums yourself.

Q: MY FOREIGN WORKERS ARE INSURED UNDER THE FOREIGN WORKERS COMPENSATION SCHEME (FWCS), DO THEY NEED TO BE REGISTERED UNDER SKHPPA?

A: YES. The maximum claimable amount for hospitalization and medical expenses under the FWCS is only RM750.00. The SKHPPA will cover an amount in Excess to that claimable under the FWCS but subject to a maximum annual limit of RM10,000.00 per worker.

Q: CAN THE PREMIUM BE DEDUCTED FROM THE FOREIGN WORKERS SALARY?

A: Yes, the Employer can advance the payment for the required premium and then subsequently deduct the same from the foreign worker's wages as approved by the Labour Department of Malaysia.

Q: HOW MUCH IS THE PREMIUM AND WHEN WILL COVERAGE TAKE EFFECT?

A: The Annual Premium is RM120.00 per worker per annum and coverage will take effect upon registration with premium duly paid.

Q: IS MEDICAL CHECK-UP REQUIRED?

A: Not necessary as long as the foreign workers are legally working in Malaysia.

Q: ANY RESTRICTION TO HOSPITAL ADMISSION?

A: YES, admission to a Non-corporatised Malaysian Government Hospital only and in accordance to charges consistent with Third (3rd) Class Room & Board to a maximum of RM60.00 per day in conformance to the charges specified under Fees Act 1951, Fees (Medical) Order 1982..

 
FWIG
 
Foreign Worker Insurance Guarantee (FWIG) – Overview
 
Foreign Worker Insurance Guarantee is a guarantee required by Immigration Department under Regulation 21 of the Immigration Regulations from Employers as a security deposit for the employment of foreign workmen in various sectors.
 
In the event that any of the foreign workman(men) is/are to be repatriated to their home country, this insurance serves as a guarantee to the Director General of Immigration Department up to the maximum aggregate sum of the guarantee value.    
 
 
The Insurance Guarantee offered under this scheme does not include foreign maids.
 
 
 

FOREIGN WORKERS INSURANCE SCHEME (IG)

WHY INSURANCE GUARANTEE (IG)?

     
  • When the employer gets Kdn approval to employ Foreign Workers to come into Malaysia to work for them, the employer needs to get insurance Guarantee (IG) before immigration Department approves and issue a calling visa & work permit.
  • IG is one of the compulsory documents required by Immigration Department.
 

GUARANTEE AMOUNT REQUIRED

  • The amount of Guarantee is according to Nationality
  • INDONESIAN – RM250
  • BANGLADESHI – RM500
  • PAKISTANI/INDIAN/MYANMAR – RM750
  • OTHERS – RM1,000 TO RM3,500
  • GUARANTEE PERIOD: FROM 13 MONTHS TO 26 MONTHS
 

Normally, Immigration Department required 18 months duration of guarantee.

 
 
PROCESSING DURATION

We can cover and deliver the Insurance guarantee within the *sameday

(*SUBJECT TO AVAILABILITY AND PLEASE REFER TO OUR PERSON IN CHARGE).

Minimum information require for Insurance guarantee (IG)

  • Name of employer
  • Address of employer
  • Name of the employee
  • Passport number of the employer
  • Nationality of the employee
  • Place of Immigration
  • Insurance guarantee duration that require.
 
 

BANK GUARANTEE (BG)

WHY BANK GUARANTEE (BG)?

  • When the employer gets Kdn approval to employ an expatriate or artist to come into Malaysia to work for them, the employer needs to get Bank Guarantee (BG) before immigration Department approves and issue a calling visa & work permit.
  • BG is one of the compulsory documents required by Immigration Department.

GUARANTEE AMOUNT REQUIRED

  • The amount of Guarantee is according to Nationality
  • SINGAPORIAN – RM200
  • THAILAND, COMBODIAN, – RM250
  • INDONESIAN,BANGLADESHI – RM500
  • PAKISTANI, INDIAN, MYANMAR, SRI LANKAN, PHILIPINE,- RM750
  • JAPANESE – RM1,000
  • KOREAN, BRITISH, FRANCE, CANADA, HONG KONG, CHINA, HAITIENNE – RM1500
  • RUSSIAN, USA, COLUMBIAN – RM2000
  • GUARANTEE PERIOD: FROM 13 MONTHS TO 26 MONTHS

Normally, Immigration Department required 13 months duration of guarantee.

PROCESSING DURATION

We can cover and deliver the Bank Guarantee in *1 working day.

(*SUBJECT TO AVAILABILITY AND PLEASE REFER TO OUR PERSON IN CHARGE).

Minimum information require for bank guarantee (BG)

  • Name of employer
  • Address of employer
  • Name of the expatriate
  • Passport number of the expatriate
  • Nationality of the expatriate
  • Place of Immigration
  • Bank guarantee duration that require.

APPLICATION PROCEDURES
 
  • You may request for the FWCS,SKHPPA & FWIG Proposal Forms by instructing us via

           email : enquiry@acpgconsultant.com or call +603-9286 3323 

  • providing us your Company's Name, preferred postal address and contact numbers.
  • The Employer must complete the proposal form and submit or post to us the completed proposal form together with the premiums

       (For payment by CHEQUE, kindly made cheque payable to "ACPG MANAGEMENT SDN BHD").

  • Coverage is effective upon receipt of payment of premium and the proposal forms. Kindly inform us of your posting.
 
Appointed Insurance Panels
Appointed insurance panel under Foreign Workers' Compensation Scheme:
 
(1) Allianz General Insurance Malaysia Berhad
(2) Berjaya General Insurance Berhad
(3) Kurnia Insurance (Malaysia) Berhad
(4) Lonpac Insurance Berhad
(5) Malaysia Assurance Alliance Berhad
(6) Mayban General Assurance Berhad Malaysia
(7) Malaysia National Insurance Berhad
(8) Syarikat Takaful Malaysia Berhad
(9) Takaful National Sdn Bhd
(10) Tahan Insurance Malaysia Berhad
(11) Jerneh Insurance Berhad
(12) Mayban Takaful Berhad
(13) Multi-Purpose Insurance Berhad
(14) MUI Continental Insurance Berhad
(15) QBE Insurance (M) Berhad
(16) RHB Insurance Berhad
(17) Royal & Sun Alliance Insurance Berhad
(18) Takaful Ikhlas Sdn Bhd
(19) The Pacific Insurance Berhad
(20) Tokio Marine Insurans (M) Berhad
(21) Uni. Asia General Insurance Berhad
(22) AmAssurance Berhad
(23) AXA Affin Assurance Berhad
(24) Commerce Assurance Berhad

Any employer who takes insurance policy from insurance companies other than those listed above commits an offence under Workmen's Compensation Act 1952. Such policy should be terminated immediately and a new policy should be taken from any of the insurance companies appointed above.

 
 
 

Corporate Insurance

A comprehensive coverage that protects your business from the beginning. The following are some common coverages:

  
 
Workmen’s Compensation Insurance Malaysia

This policy covers you as an employer in respect of your statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to your employees who are generally not covered by SOCSO.

This policy indemnifies you against all sums for which you shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of his employment under:

The Workmen’s Compensation Act 1952 and the subsequent amendments to the Act or
The Common Law. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate
 

MYEG Foreign Workers & Maids Insurance Policy

Arranged by ACPG Management Sdn Bhd Malaysia Largest General Insurance Risk Management Solution Provider since year 1989. 

ACPG Careline +603-92863323, +6011-12239838 

enquiry@acpgconsultant.com

www.acpgconsultant.com www.facebook.com/acpg.management

 

MYEG Foreign Workers & Maids Insurance Policy

MYEG Insurans Jaminan Pekerja Asing (FWIG)

MYEG Skim Pampasan Pekerja Asing (FWCS)

MYEG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG Skim Insurans Pembantu Rumah

MYEG Foreign Worker Insurance Guarantee (FWIG)

MYEG Foreign Worker Compensation Scheme (FWCS)

MYEG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG Domestic Servant Insurance Scheme (DSIS)

MYEG Maids Insurance Scheme (MIS)

 

 

MYEG Foreign Worker Insurance Benefits of Coverage -

Repatriation Expenses -

Personal Accident Insurance -

Disease Death -

Permanent Partial / Total Disablement -

Temporary Disablement -

 Accidental Medical Expenses -

Hospital & Surgical Medical Expenses -

Weekly Income Benefits -

ICU / Ambulance Fees / Medical Report Fees

 

Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Medical Insurance

Arranged by ACPG Management Sdn Bhd

Malaysia Largest General Insurance Risk Management Solution Provider since year 1989. 

ACPG Careline +603-92863323

enquiry@acpgconsultant.com

 www.acpgconsultant.comwww.facebook.com/acpg.management

 

In Malaysia, foreign workers are employed in the sectors of manufacturing, construction, plantation, agricultural, services and domestic help such as restaurant, cleaning services, cargo handling, launderette, golf course caddy, barber, wholesale and retail, textile, metal scraps and recycle activities, welfare homes and hotels.

 

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers 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.

 

FWIG guarantees to cover repatriation expenses in the event where your foreign worker is required by the authorities to be sent back to his country origin during his stay in Malaysia.

 

Duration of cover set by the Immigration Department is eighteen (18) months.

 

A new FWIG is required upon renewing the foreign workers permit. The total premium payable varies depending on the nationality of the foreign worker and ACPG insurer  underwriting requirements.

 

Foreign Workers Compensation Scheme (FWCS)

The Foreign Workers Compensation Scheme (FWCS) protects 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 course of employment.

 

Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all their foreign workers under the FWCS.

 

Coverage:

Accidental death: RM25,000 (working hours) or RM23,000 (off working hours)

Permanent disablement: Up to RM23,000 (working hours) or RM23,000 (off working hours)

Temporary loss of income due to temporary disablement

Hospitalisation & medical expenses: Up to RM750

Repatriation due to death or permanent disablement: RM4,800

Foreign Workers Hospitalization and Surgical (FWHS or SKHPPA)

 

The Foreign Workers Hospitalisation and Surgical (FWCS or SKHPPA) is specially designed in view of increasing hospital and surgical costs and to reduce the financial burdens of employers of foreign workers in Malaysia in the event of hospital admission of their foreign workers due to an accident or illness.

 

FWCS/SKHPPA allows foreign workers a cashless admission into government hospitals under a Third (3rd) Class Room and Board basis but exception is given to cases which require emergency treatment at private hospitals.

 

Coverage:

Daily hospital room & board: Up to 30 days; Up to RM160 per day

Intensive Care Unit (ICU): Up to 15 days

Hospital supplies and services, operating theatre, surgical fees, anaesthetist fees, ambulance fees / medical report fees

In-hospital physician visits: Up to 30 days

In-hospital specialist consultation visits: Up to 30 days

Maximum overall annual limit: RM20,000

 

MYEG MSIG Foreign Workers & Maids Insurance Policy

MYEG MSIG Foreign Worker Insurance Guarantee (FWIG)

MYEG MSIG Foreign Worker Compensation Scheme (FWCS)

MYEG MSIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG MSIG Domestic Servant Insurance Scheme (DSIS)

MYEG MSIG Maids Insurance Scheme (MIS)

 

MYEG AXA Foreign Workers & Maids Insurance Policy

MYEG AXA Foreign Worker Insurance Guarantee (FWIG)

MYEG AXA Foreign Worker Compensation Scheme (FWCS)

MYEG AXA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG AXA Domestic Servant Insurance Scheme (DSIS)

MYEG AXA Maids Insurance Scheme (MIS)

 

MYEG AIG Foreign Workers & Maids Insurance Policy

MYEG AIG Foreign Worker Insurance Guarantee (FWIG)

MYEG AIG Foreign Worker Compensation Scheme (FWCS)

MYEG AIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG AIG Domestic Servant Insurance Scheme (DSIS)

MYEG AIG Maids Insurance Scheme (MIS)

 

MYEG ALLIANZ Foreign Workers & Maids Insurance Policy

MYEG ALLIANZ Foreign Worker Insurance Guarantee (FWIG)

MYEG ALLIANZ Foreign Worker Compensation Scheme (FWCS)

MYEG ALLIANZ Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ALLIANZ Domestic Servant Insurance Scheme (DSIS)

MYEG ALLIANZ Maids Insurance Scheme (MIS)

 

MYEG LONPAC Foreign Workers & Maids Insurance Policy

MYEG LONPAC Foreign Worker Compensation Scheme (FWCS)

MYEG LONPAC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG LONPAC Domestic Servant Insurance Scheme (DSIS)

MYEG LONPAC Maids Insurance Scheme (MIS)

 

MYEG KURNIA Foreign Workers & Maids Insurance Policy

MYEG KURNIA Foreign Worker Insurance Guarantee (FWIG)

MYEG KURNIA Foreign Worker Compensation Scheme (FWCS)

MYEG KURNIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG KURNIA Domestic Servant Insurance Scheme (DSIS)

MYEG KURNIA Maids Insurance Scheme (MIS)

 

MYEG TOKIO MARINE Foreign Workers & Maids Insurance Policy

MYEG TOKIO MARINE Foreign Worker Insurance Guarantee (FWIG)

MYEG TOKIO MARINE Foreign Worker Compensation Scheme (FWCS)

MYEG TOKIO MARINE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG TOKIO MARINE Domestic Servant Insurance Scheme (DSIS)

MYEG TOKIO MARINE Maids Insurance Scheme (MIS)

 

MYEG PACIFIC Foreign Workers & Maids Insurance Policy

MYEG PACIFIC Foreign Worker Insurance Guarantee (FWIG)

MYEG PACIFIC Foreign Worker Compensation Scheme (FWCS)

MYEG PACIFIC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG PACIFIC Domestic Servant Insurance Scheme (DSIS)

MYEG PACIFIC Maids Insurance Scheme (MIS)

 

MYEG TAKAFUL MALAYSIA Foreign Workers & Maids Insurance Policy

MYEG TAKAFUL MALAYSIA Foreign Worker Compensation Scheme (FWCS)

MYEG TAKAFUL MALAYSIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG TAKAFUL MALAYSIA Domestic Servant Insurance Scheme (DSIS)

MYEG TAKAFUL MALAYSIA Maids Insurance Scheme (MIS)

 

MYEG AMGENERAL INSURANCE Foreign Workers & Maids Insurance Policy

MYEG AMGENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG AMGENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG AMGENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) MYEG AMGENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG AMGENERAL INSURANCE Maids Insurance Scheme (MIS)

 

MYEG RHB INSURANCE Foreign Workers & Maids Insurance Policy

MYEG RHB INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG RHB INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG RHB INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG RHB INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG RHB INSURANCE Maids Insurance Scheme (MIS)

 

MYEG ETIQA TAKAFUL Foreign Workers & Maids Insurance Policy

MYEG ETIQA TAKAFUL Foreign Worker Insurance Guarantee (FWIG)

MYEG ETIQA TAKAFUL Foreign Worker Compensation Scheme (FWCS)

MYEG ETIQA TAKAFUL Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ETIQA TAKAFUL Domestic Servant Insurance Scheme (DSIS)

MYEG ETIQA TAKAFUL Maids Insurance Scheme (MIS)

 

MYEG QBE INSURANCE Foreign Workers & Maids Insurance Policy 

MYEG QBE INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG QBE INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG QBE INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG QBE INSURANCE Domestic Servant Insurance Scheme (DSIS) MYEG QBE INSURANCE Maids Insurance Scheme (MIS)

 

MYEG UNI ASIA GENERAL INSURANCE Foreign Workers & Maids Insurance Policy

MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) MYEG UNI ASIA GENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG UNI ASIA GENERAL INSURANCE Maids Insurance Scheme (MIS)

 

MYEG ZURICH Foreign Workers & Maids Insurance Policy

MYEG ZURICH Foreign Worker Insurance Guarantee (FWIG)

MYEG ZURICH Foreign Worker Compensation Scheme (FWCS)

MYEG ZURICH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ZURICH Domestic Servant Insurance Scheme (DSIS)

MYEG ZURICH Maids Insurance Scheme (MIS)

 

MYEG BERJAYA SOMPO INSURANCE Foreign Workers & Maids Insurance Policy

MYEG BERJAYA SOMPO INSURANCE Foreign Worker Insurance Guarantee (FWIG)

MYEG BERJAYA SOMPO INSURANCE Foreign Worker Compensation Scheme (FWCS)

MYEG BERJAYA SOMPO INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG BERJAYA SOMPO INSURANCE Domestic Servant Insurance Scheme (DSIS)

MYEG BERJAYA SOMPO INSURANCE Maids Insurance Scheme (MIS)

 

MYEG ACE JERNEH Foreign Workers & Maids Insurance Policy

MYEG ACE JERNEH Foreign Worker Insurance Guarantee (FWIG)

MYEG ACE JERNEH Foreign Worker Compensation Scheme (FWCS)

MYEG ACE JERNEH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)

MYEG ACE JERNEH Domestic Servant Insurance Scheme (DSIS)

MYEG ACE JERNEH Maids Insurance Scheme (MIS)

 

 

MYEG MSIG Insurans Jaminan Pekerja Asing (FWIG)

MYEG MSIG Skim Pampasan Pekerja Asing (FWCS)

MYEG MSIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG MSIG Skim Insurans Pembantu Rumah

 

MYEG AXA Insurans Jaminan Pekerja Asing (FWIG)

MYEG AXA Skim Pampasan Pekerja Asing (FWCS)

MYEG AXA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG AXA Skim Insurans Pembantu Rumah

 

MYEG AIG Insurans Jaminan Pekerja Asing (FWIG)

MYEG AIG Skim Pampasan Pekerja Asing (FWCS)

MYEG AIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG AIG Skim Insurans Pembantu Rumah

 

MYEG ALLIANZ Insurans Jaminan Pekerja Asing (FWIG)

MYEG ALLIANZ Skim Pampasan Pekerja Asing (FWCS)

MYEG ALLIANZ Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ALLIANZ Skim Insurans Pembantu Rumah

 

MYEG LONPAC Insurans Jaminan Pekerja Asing (FWIG)

MYEG LONPAC Skim Pampasan Pekerja Asing (FWCS)

MYEG LONPAC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG LONPAC Skim Insurans Pembantu Rumah

MYEG LONPAC Foreign Worker Insurance Guarantee (FWIG)

 

MYEG KURNIA Insurans Jaminan Pekerja Asing (FWIG)

MYEG KURNIA Skim Pampasan Pekerja Asing (FWCS)

MYEG KURNIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG KURNIA Skim Insurans Pembantu Rumah

 

MYEG TOKIO MARINE Insurans Jaminan Pekerja Asing (FWIG)

MYEG TOKIO MARINE Skim Pampasan Pekerja Asing (FWCS)

MYEG TOKIO MARINE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG TOKIO MARINE Skim Insurans Pembantu Rumah

 

MYEG PACIFIC Insurans Jaminan Pekerja Asing (FWIG)

MYEG PACIFIC Skim Pampasan Pekerja Asing (FWCS)

MYEG PACIFIC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG PACIFIC Skim Insurans Pembantu Rumah

 

MYEG TAKAFUL MALAYSIA Insurans Jaminan Pekerja Asing (FWIG)

MYEG TAKAFUL MALAYSIA Skim Pampasan Pekerja Asing (FWCS)

MYEG TAKAFUL MALAYSIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG TAKAFUL MALAYSIA Skim Insurans Pembantu Rumah

MYEG TAKAFUL MALAYSIA Foreign Worker Insurance Guarantee (FWIG)

 

MYEG AMGENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG AMGENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG AMGENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG AMGENERAL INSURANCE Skim Insurans Pembantu Rumah

 

MYEG RHB INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG RHB INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG RHB INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG RHB INSURANCE Skim Insurans Pembantu Rumah

 

MYEG ETIQA TAKAFUL Insurans Jaminan Pekerja Asing (FWIG)

MYEG ETIQA TAKAFUL Skim Pampasan Pekerja Asing (FWCS)

MYEG ETIQA TAKAFUL Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ETIQA TAKAFUL Skim Insurans Pembantu Rumah

 

MYEG QBE INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG QBE INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG QBE INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG QBE INSURANCE Skim Insurans Pembantu Rumah

 

MYEG UNI ASIA GENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG UNI ASIA GENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG UNI ASIA GENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG UNI ASIA GENERAL INSURANCE Skim Insurans Pembantu Rumah

 

MYEG ZURICH Insurans Jaminan Pekerja Asing (FWIG)

MYEG ZURICH Skim Pampasan Pekerja Asing (FWCS)

MYEG ZURICH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ZURICH Skim Insurans Pembantu Rumah

 

MYEG BERJAYA SOMPO INSURANCE Insurans Jaminan Pekerja Asing (FWIG)

MYEG BERJAYA SOMPO INSURANCE Skim Pampasan Pekerja Asing (FWCS)

MYEG BERJAYA SOMPO INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA) MYEG BERJAYA SOMPO INSURANCE Skim Insurans Pembantu Rumah

 

MYEG ACE JERNEH Insurans Jaminan Pekerja Asing (FWIG)

MYEG ACE JERNEH Skim Pampasan Pekerja Asing (FWCS)

MYEG ACE JERNEH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)

MYEG ACE JERNEH Skim Insurans Pembantu Rumah




 Engineering Insurance Malaysia

Construction Insurance Malaysia

Contractors' All Risks Insurance Malaysia

Erection All Risks Insurance Malaysia

Public Liability Insurance Malaysia

Workmen Compensation Insurance Malaysia

Foreign Worker Insurance Malaysia

Arranged By

ACPG Management Sdn Bhd

+603-92863323, +6011-12239838

 

Construction Insurance Malaysia

A proven leader in the construction industry, ACPG Insurers delivers integrated property & casualty and specialized insurance solutions which are tailored to construction risks from:

Residential and Commercial Projects

Civil Engineering Projects such as pipelines, dams, roads and rail

Power and Energy Projects of all sizes

Petrochemical and Industrial plants

 

Our unique industry practice group provides clients with a comprehensive spectrum of products including Project Cargo, Casualty, Surety, Environmental and Project Professional Indemnity.

 

Whether you’re a Principal, Property Developer, Main Contractor, we will work collaboratively with you and your broker to help develop seamless and effective risk management solutions.

 

OUR STRENGTHS

By working with ACPG Insurers Construction Industry Practice, you will benefit from our strengths which encompass:

Local knowledge backed by global capability

Comprehensive suite of services

Experienced underwriting team

Dedicated Construction Risk Engineers

Superior Claims Handling and Administration

Consultative approach to loss prevention and mitigation

Tailor-made programs backed by client-centric service

Broad coverage

Long-term focus on client relationships

 

PRODUCT RANGE

 

ACPG Insurers Construction Industry Practice offers a range of products and services including:

Contract Works

Delay in Start Up

General Liability

Umbrella/Excess Casualty Covers

Project Professional Liability

Environmental Pollution Liability

Contract Surety

Construction Risk Management Services

Marine Cargo including DSU

Directors & Officers Liability

Terrorism

 

Construction All Risks – Builder Risk

Contractors, property developers and principals will all benefit from this insurance, which provides both single risk project cover and annual polices. It is available on a standalone basis but can also be packaged with excess casualty (GL), employers’ liability or environmental impairment liability.

 

PRODUCT HIGHLIGHTS

 

ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts

 

ACPG Insurers are recognised technical expertise in the sector

Our expertise in claims handling and investigation is widely acknowledged

 

ACPG Insurers seek to develop long-term relationships with clients

 

COVER

Our standard cover includes contract materials and/or works.

Cover can be extended to include:

Contractors’ plant and equipment

Delay in start up

Non-negligent liabilities

Public liability

 

Construction All Risks – Civil Engineering

This insurance provides contractors involved in hydro projects, motorways, railways and pipelines with annual cover or single risk project cover.

 

PRODUCT HIGHLIGHTS

ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts

ACPG Insurers are recognised technical expertise in the sector

ACPG Insurers seek to develop long-term relationships with clients

 

COVER

Our standard cover includes:

Consequences of design

Extended maintenance

Natural catastrophes

Property damage only

Primary third party liability

Cover can be extended to include:

Delay in start up

Full design

 

Erection all Risks

ACPG Insurers Erection All Risks (EAR) insurance includes the erection and installation of electrical or mechanical plant and machinery.

 

It’s ideal for mechanical and electrical contractors looking for annual contract cover or developers, manufacturers, power and energy companies involved in large and complex installations.

 

Our target areas include construction of power plants, oil and gas facilities and other heavy industries such as steel, aluminium and cement, as well as traditional light engineering projects such as bottling plants and pharmaceuticals.

 

PRODUCT HIGHLIGHTS

Experience in writing many types of risks from standard installation contracts to large scale power and energy plants

A strong track record of leading the insurance of large and complex project contracts

 

The capacity to cover contracts in many overseas territories

Highly experienced risk engineers who can assist in risk management and risk reduction, as well as ensure that standards are maintained during the erection and installation works to help reduce losses

 

COVER

Our standard EAR cover is for the erection and / or installation of electrical or mechanical plant and machinery globally.

 

It can also cover losses during the testing and commissioning prior to hand-over and damage during the contractual maintenance period.

 

Cover can be provided for movement and re-erection of machinery along with testing, commissioning and maintenance of installed machinery.

 

An ‘all-risks’ cover that includes breakdown and explosion during testing and commissioning.

Available on contracts overseas subject to some territorial and environmental peril limitations.

 

The standard insurance offers cover for defective design under the wording and damage to installed equipment during maintenance visits. This can be extended to give wider defective design cover and either extended or ‘full’ or guarantee maintenance.

 

Comprehensive General Liability (CGL) Insurance

To meet the needs of casualty insurance clients it takes underwriting skill, risk engineering expertise and superior claims handling. These are key strengths of ACPG Insurers.

 

ACPG Insurers has a broad appetite for risk and provides public and product liability to medium, large, and multinational businesses on a domestic and international basis.

 

BENEFITS

Flexible policies which can be tailored to client needs

Highly experienced and dedicated casualty underwriters

Cover is available for North American exports and domiciled companies

Casualty Engineers with specialist expertise

Multinational capabilities

Proven global claims handling capabilities

 

Foreign Workers Insurance

Employees are a company's greatest asset therefore it is essential for an employer to get their employees protected.

 

Being one of the approved panel insurance companies to provide foreign workers insurance, ACPG Insurers has three products designed to provide financial relief for the employer in the event of death, hospitalization or repatriation of their foreign workers.

 

Foreign Workers Compensation Scheme (FWCS)

As provided under Section 26(2) of the Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all their foreign workers employed by the company under the Foreign Workers Compensation Scheme (FWCS).

 

ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite FWCS. The scheme provides foreign workers with personal accident and repatriation benefits during and outside of working hours.

 

COVERAGE

Foreign workers who are under the employment of the insured company will enjoy coverage that include

Death and disability due to an accident

Disease arising out of and in the course of employment

Medical expenses

Repatriation expenses

 

Foreign Workers Hospitalization & Surgical Scheme (FWHS)

Effective 1 January 2011, all foreign workers in Malaysia are required to purchase a RM120 premium per year

 

Foreign Workers Hospitalization & Surgical Scheme (FWCS) that provides RM20,000 annual coverage.

ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Health (MOH) to underwrite the FWHS.

 

BENEFITS

Under the insurance policy, foreign workers will enjoy benefits that include

Daily hospital and room board of up to a maximum of 30 days

Intensive care unit (ICU) of up to a maximum of 15 days

Operating theatre fees

Surgical fees

Anaesthetist fees

In-hospital physician visits of up to a maximum of 30 days

In-hospital specialist consultation visits of up to a maximum of 30 days

Ambulance fees

Medical report fees

 

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Immigration Department from the employer as a security deposit for the employment of foreign workers (excluding Domestic Maid) 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 the foreign worker is required by the authorities to be sent back to his/her country of origin during his/her course of stay in Malaysia.

 

The circumstances could arise from:-

Breach of Immigration Act

Foreign worker is caught involving in illegal and illicit activities such as drug, immoral work, etc.

Employer goes into liquidation and is unable to provide the return passage for the foreign worker

 

Engineering Insurance Malaysia

Protect your business against unforeseen events or disruption. Select from our range of commercial insurance products to protect your business, goods, employees, etc. Our team of knowledgeable, experienced and dedicated staff is always on hand to provide insurance solutions for all your business needs.

 

Contractors' All Risks insurance Malaysia

Contractors' All Risks insurance is designed to provide coverage for all parties involved in a construction project.

There are usually two main groups of named insured. They are the Principal and the Contractor(s). The Principal is the party who commissions the work. The principal will usually be the party who owns the building when completed. The contractor is responsible for the planning and execution of the contract works. Where nominated sub-contractors or other sub-contractors are engaged, they can be included under the policy.

There are two sections in this Policy:

 

Section I: Material Damage

This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.

 

Section II: Third Party Liability

This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the contract works.

 

For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility. We ACPG team of professional staff is well versed to provide you with all the necessary guidance and advice.

 

Erection All Risks Insurance Malaysia

Erection All Risks Insurance is designed to provide coverage for the installation and erection of ready-built engineering projects such as machinery, equipment or other fittings in factories.

There are two sections to this Policy:

 

Section I: Material Damage

This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.

 

Section II: Third Party Liability

This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the erection works.

 

For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility.

 

Our team of professional staff is well versed to provide you with all the necessary guidance and advice.

 

Public Liability Insurance Malaysia

With increasing awareness of consumers, enterprises are exposed to a myriad of legal liabilities arising from accidents due to acts of negligence of its employees or representatives in the course of business.

 

Business prudence requires that protection against such contingents cannot be compromised.

 

With Public Liability insurance, you have the assurance that compensation for claims from third parties for injury or damage to their property including claimants’ costs are taken care of.

 

Commercial and Business Insurance

Arranged By

ACPG Management Sdn Bhd

 

Business Insurance

Commercial All Risks

Commercial Motor Vehicles

Equipment All Risks

Fidelity Guarantee

Group Hospitalization

Group Personal Accident

Money

Office and Shop Insurance Scheme (OASIS)

Plate Glass

Engineering

Boiler & Pressure Vessel

Contractors’ All Risks

Deterioration of Stock

Electronic Equipment

Erection All Risks

Machinery Breakdown

Machinery Breakdown – Loss of Profits

Machinery & Equipment

Storage Tank Installation

Foreign Worker Insurance

Foreign Worker Insurance Guarantee

Foreign Worker Compensation Scheme (FWCS)

Foreign Worker Hospitalization & Surgical Insurance Scheme (SKHPPA)

 

Liability

Comprehensive General Liability

Directors & Officers Liability

Products Liability

Professional Indemnity

Public Liability

Warehousemen’s Liability

Marine

Bailee Liability

Credit Insurance

Marine Hull

Marine Inland Transit

Workmen

Employer’s Liability

Workmen’s Compensation

 

ACPG Management Sdn Bhd

Head Office

158-3-7, Blok 158, Kompleks Maluri,

Jalan Jejaka, Taman Maluri, Cheras,

55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

enquiry@acpgconsultant.com

+603-92863323, +6011-12239838

 
 
ACPG MANAGEMENT SDN BHD
 
We (ACPG), provided all classes of  insurance services more than 23 years in Malaysia (since year 1989).
 
We (ACPG) One of The Largest General Insurance (Individual & Commercial Insurance ) Solution Service Provider in Malaysia. 

 
Any enquiry, email to enquiry@acpgconsultant.com or Call our Careline : +603-9286 3323.
 
 
 
For ACPG Corporate Video posted on YouTube
at http://youtu.be/hwWKPU003gE  for Malaysia Commercial Insurance (Business Insurance) and
at http://youtu.be/0hN64xcYgrI for Malaysia Individual Insurance (Personal Insurance).