Under Section 26(2) of the Amended Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all foreign workers employed by him under an approved insurance scheme in respect of any liability that he may incur under the said Act.

Any employer who fails to insure the foreign workers under the said scheme shall be guilty of an offence and shall be liable, on conviction, to a fine not exceeding RM20,000.00 or to imprisonment for a term not exceeding 2 years or both.

Kurnia Insurans has been appointed by the Ministry of Human Resources as one of the insurers to provide coverage for employment accidents to foreign workers. Employers may therefore insure all their foreign workers under the Insurance Scheme with Kurnia Insurans to fulfill the requirements of the Act.

Scope Of Cover and Benefits

Section 1: Workmen’s Compensation
This section covers the Insured’s foreign worker against personal injury by accident or disease arising out of or in the course of employment with the Insured.

Section 2: Repatriation Expenses
This section will indemnify the Insured for the actual repatriation expenses incurred or RM4,800.00 whichever is the lesser, in the event the insured worker dies or suffers permanent total disablement.

Section 3: Personal Accident Insurance (Off-Work Hours)
This section will pay to the Insured person or his legal representative for personal injury sustained in an accident, which occurs outside the working hours


The minimum annual premium is RM 76.32 (RM 71.02 + SPPA service fee RM5.30) per foreign worker excluding stamp duty
(Premiums stated are inclusive of 6% GST)

SPPA service fee is a fee charged for electronic link-up service for “Skim Pampasan Pekerja Asing (SPPA). Insurer will act as collection agent on behalf of Labour Department and shall not be responsible for all matters arising out of the service for which the fee is levied.

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