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回复 109# favor
你所说的外劳劳工保险应该是FOREIGN WORKER COMPESATION SCHEME (FWCS), 不是SOCSO. SOCSO 是给本地员工的, 每月需投保。
购买FWCS的目的是保障你的工人因工作受伤能得到赔偿。只要你有根据聘请外劳劳工的法律条例,而且FWCS也赔偿他了, 他是告不到你的。。
WHAT IS FOREIGN WORKERS COMPENSATION SCHEME (FWCS)?
1. Introduction
The Workmen’s Compensation Act 1952 was amended in August, 1996. Under Section 26(2) of the Amended Act, it is mandatory for every employer to insure all the foreign workers employed by him under an approved insurance scheme in respect of any liability he may incur under the Workmen’s Compensation Act 1952.
Any employer who fails to insure the foreign workers under the approved insurance schemes shall be guilty of an offence and shall be liable, on conviction, to a fine not exceed RM20,000 or to imprisonment for a term not exceeding 2 years or both.
All the employers are required by this Act to insured all their foreign workers under the FWCS scheme with any of the FWCS insurance providers appointed by the Ministry of Human Resources.
2. Scope of Cover/Premium
Section 1 – Workmen’s Compensation Insurance
(a). Death
A maximum amount of RM18,000 under the Workmen’s Compensation Act plus RM7,900 as provided for under the Scheme.
(b). Permanent Disablement
(i). Permanent Total Disablement
Pays a maximum sum of RM23,000 as per the First Schedule of the Workmen’s Compensation Act.
(ii). Permanent Partial Disablement
Pays a sum of money based on the capital sum of RM23,000 calculated in accordance with the First Schedule of the Act.
(iii). Temporary Disablement
pays a sum of money calculated in accordance with Section 8(e) of the Workmen’s Compensation Act.
(iv). Medical Expenses
Pays in accordance with provisions of the Workmen’s Compensation Act.
Section 2 – Repatriation Expenses
This Section will indemnify the Insured for the actual repatriation expenses incurred or RM4,800 whichever is 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 the insured person for personal injury sustained in an accident, which occurs outside the working hours.
Coverage
(a) Death
A sum of RM23,000
(b) Permanent Disablement
Similar to Section lb.(i), (ii), (iii) & (iv)
Premium Computation:-
The premium for each worker is computed as follows :-
Gross Premium : RM67.00
5% Service Tax : RM 3.35 (6% with effect from 1 January 2011)
*Service Fee : RM 5.00
Total Premium : RM75.35 (excluding RM10.00 Stamp Duty)
3. General Exclusions
(a) Any actions for compensation brought in the courts of law of any territory outside Malaysia.
(b) War and Terrorism Exclusion
(c) Asbestos Exclusion |
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