Foreign Worker Hospitalisation and Surgical Insurance Scheme

Eligible persons for insurance under this policy are those present and future full-time foreign worker employees of policyholder, from the age of sixteen (16) to fifty-nine (59), who are actively engaged at their usual work on the date the persons are eligible to join this policy.

This plan covers the following benefits.

The duration of cover is for one (1) year. You need to renew your cover annually.

Note: The description on the available cover is only a brief summary for quick and easy reference. The precise terms and conditions that apply are stated in the policy contract.

The annual premium is RM 120.00 per foreign worker insured inclusive of RM15/- of the Managed Care Organisation (MCO) fee. The renewal premium is not guaranteed.

• Stamp Duty – You have to pay RM 10.00 in addition of the premium for stamp duty.
• Commission – 10% of your group annual premium will be deducted for commission.

• Importance of disclosure – You must take reasonable care to provide us with all the answers and not to make misrepresentation. If you misrepresented any facts to us before the policy was entered into, we may void this policy.
• Pursuant to Schedule 9 of the Financial Services Act 2013 – You must take reasonable care to provide us with all the answers and not to make misrepresentation. If you misrepresented any facts to us before the policy was entered into, we may void this policy.
• Geographical Territory – All benefits provided in this policy are applicable within Malaysia only for twenty-four (24) hours a day. Cover ceases from the time the Insured Person leaves Malaysia and resumes upon his/her return to Malaysia.
• Limitation of Benefits – All benefits provided in this policy are only payable in the event the insured person is confined in a non-corporatised Malaysian Government Hospital.
• Grace Period – This is a Cash Before Cover policy. Notwithstanding the Cash Before Cover condition, a Grace Period of fourteen (14) days from its due date will be allowed for payment of each premium after the first policy year. During such fourteen (14) days, the Company shall remain liable there under if by the last of such days, the premium is actually paid. If any premium is not paid in respect of this policy contract before the end of the Grace Period, this policy contract shall be deemed as terminated at the expiry date of this policy.

Note: The list above is non-exhaustive. Please refer to the policy contract for the full terms and conditions under this policy

Yes, you (the Policyholder) may cancel this policy at any time by giving written notice to us. Upon cancellation, you are entitled to a refund of the premium as per the schedule below, provided that you have not made a claim during the current policy year.

It is important that you inform us of any change in your organisation’s contact details to ensure that all correspondence reaches in a timely manner. You can write in / fax us at the address / fax number below.

Should you require additional information about medical and health insurance, please refer to the insuranceinfo booklet on ‘Medical & Health Insurance’, available at all our branches or visit www.insuranceinfo.com.my 9 months 15%

If you have any enquiries, please contact us at:

The Pacific Insurance Berhad (91603-K)
40-01, Q Sentral, 2A Jalan Stesen Sentral 2,
Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia
(P.O.Box 12490, 50780 Kuala Lumpur, Malaysia.)
Tel: +03-2633 8999 Fax: +03-2633 8998
Website: www.pacificinsurance.com.my