| Commerce Assurance 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).
The 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 possesses 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 1952.
Scope of Cover and Benefit
Section 1 - Workmen’s Compensation
Insurance
Accidental Death
Compensation up to RM25, 000 (workmen’s
Compensation up to RM18, 000, the
Company shall pay an extra RM7, 000)
in the event of death of the Insured
Foreign Worker resulting from personal
injury by accident in the course of
employment.
Permanent Total Disablement
A sum up to RM23, 000 in the event
of permanent total disablement occurring
within 12 months of the accident
Permanent Partial Disablement
A sum of money based on the capital
sum of RM23, 000 calculated in accordance
with the First Schedule of the Workmen’s
Compensation (Amended) Act 1996
Temporary Total Disablement
A sum of money calculated in accordance
with Section 8(e) of the Workmen’s
Compensation Act 1952
Medical Expenses
In accordance to the provision of
Workmen’s Compensation Act 1952
Occupational Disease
As per Second Schedule of the Workmen’s
Compensation (Amended) Act 1996
Section 2 - Repatriation Expenses
The repatriation expenses shall be
the actual expenses incurred or RM4,
800 whichever is the lesser, for the
transportation of the Insured Person
to his/her country of origin.
Section 3 - Personal Accident Insurance
(Off-Work Hours)
In respect of personal injury sustained
in an accident which occurs during
the Period of Insurance and outside
the working hours of the Insured Person.
Accidental Death
Compensation up to RM23, 000 in the
event of death of the Insured Foreign
Worker resulting from personal injury
by accident.
Permanent Total Disablement, Permanent
Partial Disablement, Temporary Disablement
and Medical Expenses - Compensation
as per Section 1
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