The Foreign Worker Insurance Guarantee is a mandatory insurance required by the Malaysian Immigration Department as a security deposit for employers hiring foreign workers.
This insurance ensures compliance with immigration regulations by providing a guarantee for repatriation obligations mandated by authorities.
FWIG applies when foreign workers need to be repatriated under circumstances mandated by the Immigration Department.
FWIG fulfils the Malaysian Immigration Department’s requirement for a security guarantee, supporting work permit issuance, renewal, and ongoing compliance.
Provides an immigration-backed guarantee that foreign workers can be repatriated when required by authorities.
Helps employers avoid delays, penalties, or permit complications arising from non-compliance with immigration rules.
Shows responsible employment practices by meeting government-mandated obligations for foreign worker management.
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The Insurance Guarantee (IG) is a mandatory security bond required by the Malaysian Immigration Department for employers hiring foreign workers. It serves as a security deposit to ensure repatriation obligations can be fulfilled when required by authorities.
The coverage amount and premium are determined by the Immigration Department based on the worker’s nationality. Insurers then calculate the premium accordingly, often with a minimum rate of around 1% per annum on the guarantee amount and a minimum premium of RM50 per worker.
Yes. Employers can purchase SPIKPA IG online, which is an insurance solution that includes both the Foreign Worker Hospitalisation & Surgical Scheme (FWHS) and FWIG. Through einsurans, employers buy coverage and manage policies from different insurers digitally for convenience and compliance.
Malaysia’s Trusted Digital Platform for Foreign Worker Insurance