31)What types of insurance policies are mandatory for foreign workers?
The two mandatory insurances for foreign workers are the Foreign Workers Insurance Guarantee (FWIG) and the Foreign Workers Hospitalization and Surgical (FWHS).
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- Foreign Workers Insurance Guarantee (FWIG): This is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers.
- Foreign Workers Hospitalization and Surgical (FWHS): Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA) is a mandatory insurance policy for foreign workers in Malaysia. It covers the costs of hospitalization and surgery in government hospitals, ensuring foreign workers have access to necessary medical care without imposing financial burdens on employers or the healthcare system.