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Overview of the Foreign Workers Compensation Scheme (FWCS)
The FWCS is a standardized insurance plan providing cover for all foreign workmen employed by a company. Section 26(2) of the Workmen’s Compensation Act 1952 makes it compulsory for all foreign workers to be insured under the FWCS.
Coverage and Benefits
Duration of cover is for one year and the policy indemnifies the insured for any compensation that is payable under the Act in relation to both employment injury as well as non-employment injury sustained by the foreign worker.
 Workmen Compensation (During Working Hours)
All compensation payable for accidents during office hours will be as assessed by the Ministry of Human Resources and be subjected to the maximum limits of indemnity as follows:
| Coverage |
Limits of Indemnity |
| » Death by accident whilst in the course of employment |
Up to RM25,000 |
| » Permanent Total /Partial Disablement |
Up to RM23,000 |
| » Temporary Disablement (Half Monthly Payment) |
RM165 or 1/3 of monthly salary (max. up to 60 months) whichever is lower |
| » Medical Expenses |
As assessed according to the Workmen’s Compensation Act |
| » Occupational disease |
As assessed according to the Workmen’s Compensation Act |
| Repatriation Expenses |
Pays for the cost of transportation of the remains of the deceased worker or permanently disabled worker back to his/her country of origin.
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Based on actual expenses incurred or RM4,800 whichever is lower |
Personal Accident (Off-Work Hours)
| Coverage |
Limits of Indemnity |
| » Death by accident whilst in the course of employment |
RM23,000 |
| » Permanent Total /Partial Disablement |
Based on RM23,000 and calculated according to the Workmen’s Compensation Act |
| » Temporary Disablement |
As assessed according to the Workmen’s Compensation Act |
| » Medical Expenses |
As assessed according to the Workmen’s Compensation Act |
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