In view of increasing Hospital & Surgical charges, this scheme is specially designed by Malaysian Assurance Alliance Berhad (MAA Assurance) to reduce financial burden of the Employers of foreign workers in the event of hospital admission of their foreign workers due to accident or illness.

Therefore, employers of foreign workers are recommended to register on behalf of their workers under this scheme.

This page contains important information about the FWHS. You should read all the information carefully to make sure that you fully understand it and that it meets your needs. You are advised to read through the list below which explains the essential features of the FWHS so that you are able to make an informed decision before purchasing the policy.

1. The benefits payable under the policy are highlighted in the "Description of Benefits/Coverage".
2. This is a yearly renewable plan, whereby premiums and benefits are subject to review from time to time. Any changes to benefits and premium can only be imposed by MAA on policy anniversary with 30 days written notice based on the emerging claims experience of the portfolio.
3. Cover ceases from the time your foreign worker leaves Malaysia and resumes upon his/her return to Malaysia.
4. A "Cooling off period" of 15 days will be allowed for you to review the suitability of the newly purchased scheme. If you were to return the policy to the insurer during this period, premiums will be refunded after the deduction of medical expenses, if any.
5. Please ensure that you obtain your foreign workers' consent prior to taking up this policy. Kindly ensure that each foreign worker to be covered under this scheme initials on the proposal form to confirm his/her consent.

The policy shall become effective as of the date stated in the Schedule. The Policy Anniversary shall be one (1) year after the effective date and annually thereafter. On each such anniversary, the Policy is renewable at the premium rates in effect at that time as notified by the Company.

The policy is renewable at the option of the Company. In relation to policies which will not be renewed, or for which renewal is to be deferred, the Company shall notify the Policyholder / Insured Person of its decision to decline or defer renewal, together with reasons where appropriate, at least thirty (30) days before the policy anniversary date.

PRE-EXISTING ILLNESS shall be limited to disabilities which existed before the effective date of cover and for which the Insured Person should have reasonably been aware of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:-

1. the Insured Person had received or is receiving treatment;
2. medical advice, diagnosis, care or treatment has been recommended;
3. clear and distinct symptoms are or were evident; or
4. its existence would have been apparent to a reasonable person in the circumstances.

SPECIFIED ILLNESSES shall mean the following disabilities and its related complications, occurring within the first 120 days of Insurance of the Insured Person:-

1. Hypertension, diabetes mellitus and Cardiovascular disease
2. All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system
3. All ear, nose (including sinuses) and throat conditions
4. Hernias, haemorrhoids, fistulae, hydrocele, varicocele
5. Endometriosis including disease of the Reproduction system
6. Vertebro-spinal disorders (including disc) and knee conditions

WAITING PERIOD shall mean the first 30 days between the beginning of an Insured Person's disability and the commencement of this policy date / reinstatement date and is applied only when the person is first covered. This shall not be applicable after the first year of cover. However, if there is a break in insurance, the Waiting Period will apply again.