Foreign Workers Insurance Guarantee (FWIG)
Covers your costs should your foreign workers be repatriated.
This guarantee is required by the Immigration department from an Employer under Regulation 21 of the Immigration Regulations. It guarantees to pay the Director General of Immigration of Malaysian up to a maximum aggregate sum of the guarantee value, in the event that anyone of foreign workers be repatriated in the course of stay in Malaysia.
The amount of guarantee varies according to nationalities. e.g.: RM250.00 for each Indonesian and RM500.00 for each Bangladeshi.
Append below the circumstances under which the BG or IG may be called by the Immigration Department :
- Breach of Section of the Immigration Act of Malaysia
- If worker get married/become pregnant during her stay>
- If worker remains in Malaysia after the expiry of permit or visa
- If the employer fails to provide air passage for the worker to his country of origin upon expiry of permit/visa
- If the employer fails to provide costs of transportation for the worker mortal remains to his country of origin
- If the employer refuses to pay the worker's salary
- If the worker involved in illegal and illicit activities, such as drug, immoral work and others
- If the worker engages in any of employment paid or unpaid or in any business or any occupation or activity detrimental to security and well being of Malaysia
Note: All employers have to either place cash or obtain an Insurance Guarantee (IG)/Bank Guarantee (BG) in favour of the Immigration Department for each worker they employ. The employers, especially those who employ a number of workers normally obtain the IG/BG from insurance companies rather than placing cash or using their own Bank facilities.
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The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Insurance Malaysia's website or PIDM's website.