31)What types of insurance policies are mandatory for foreign workers?

Foreign Workers Insurance Guarantee (FWIG):

This guarantee is required by the Immigration Department of Malaysia (JIM) as a security deposit from employers for the employment of foreign workers.

Foreign Workers Hospitalization and Surgical (FWHS):

Also known as the Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA), this mandatory insurance policy covers hospitalization and surgical costs at government hospitals. It ensures that foreign workers receive necessary medical care without placing a financial burden on employers or the healthcare system.