Ensure your foreign workers have easy access to hospitalisation. This scheme provides foreign workers cashless admission into a Non-Corporatised Malaysian Government Hospital.
This product covers the following benefits:
- Daily Hospital Room & Board
- Intensive Care Unit
- Hospital Supplies & Services
- Operating Theatre
- Surgical Fees (Excluding Organ Transplantation)
- Anesthetist Fees
- In-Hospital Physician Visits
- In Hospital Specialist Consultation Visits
- Ambulance Fees / Medical Report Fees
Maximum Overall Limit per Insured Person RM20,000
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 benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Berjaya Sompo Insurance Berhad or PIDM (visit www.pidm.gov.my)
Eligible persons for insurance under this policy are those present and future full-time foreign worker employees of policyholder, from the age of eighteen (18) to sixty (60), who are actively engaged at their usual work on the date the persons are eligible to join this policy.
Major Exclusions
This policy does not cover any hospitalization, surgery or charges caused by any one of the following occurrences:
- Pre-existing conditions unless the Insured Person passes the medical examination as confirmed by Fomema Sdn Bhd (FOMEMA) within 30 days from the Insured Person's arrival to Malaysia.
- Cardiovascular diseases and all cancers occurring within the first one hundred and twenty (120) days of Insurance of the Insured Person.
- Plastic/Cosmetic surgery.
- Dental treatment or oral surgery.
- Treatment or surgical operation for congenital abnormalities or deformities.
- Pregnancy or miscarriage Treatment which is not Medically Necessary.
- Suicide or self-inflicted injury while sane or insane.
- Accidental injuries or illnesses arising from racing or hazardous sports.
Note: The list above is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy
