Special General Worker PA Insurance

Product information

Special General Worker PA Insurance Brochure

The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM (visit www.pidm.gov.my).

Why Special General
Worker PA Insurance

Benefits at a glance.

A 24-hour insurance plan tailored to provide personal accident coverage to complement existing SOSCO protection for foreign workers.

24-hour 7 days coverage
Covers accidental death, permanent disability & medical expenses
Additional protection beyond SOCSO
Includes repatriation & funeral expenses
Low-cost premium with simple enrolment

Key coverage

Here is an overview of your coverage

1. Accidental Death & Accidental Permanent Disablement

Provides a lump-sum payout if the insured worker suffers:

Accidental death, or Accidental Permanent disablement caused by an accident
Sum Insured: Accidental Death: RM35,000; or
Accidental Permanent Disablement: Up to RM35,000

2. Medical Expenses (Accident Only)

Covers reasonable and necessary medical expenses incurred due to an accident.

Includes outpatient and hospital treatment
Sum Insured: RM1,500

3. Repatriation and Funeral Expenses (Accident or Illness)

Provides financial assistance for Repatriation of remains to home country (for foreign workers), or local funeral expenses
Sum Insured: RM10,000

How much is my
premium?

An extremely cost-effective way to strengthen worker protection with minimal impact on operating costs.

Premium & Affordability

Annual Premium: RM50.00
Works out to as low as RM0.14 per day
Premium is subject to 8% Service Tax and RM10 Stamp Duty

Table of coverage

Special General Worker PA

No.	Table of coverage	Sum Insured (RM)
1.	a) Accidental Death or b) Accidental Permanent Disablement	35,000
2.	Medical Expenses (Accident only)	1,500
3.	Repatriation & Funeral Expenses (Accident & Illness)	10,000
	Annual Premium (Premium is subject to 8% Service Tax and RM10 Stamp Duty)	50.00

More product
information

Product Disclosure Sheet

Special General Worker PA Procuct Disclosure Sheet (English)

PDF, 284.72 KB

Proposal Form

Special General Worker PA Proposal Form

PDF, 263.33 KB

Policy Wording

Special General Worker Policy Wording (English)

PDF, 396.23 KB

For other foreign workers related products, please refer to:

Foreign Worker Hospitalisation & Surgical Insurance Scheme
(Read more)

What we
don’t cover

This policy does not cover death or injury caused by the following events:

War, radiation/ nuclear war, consequential loss.
Criminal act or any illegal activities.
Intoxication by alcohol.
The influence of or affected narcotics and drug.
Provoked murder or assault, intentional self-injury, suicide or any attempt thereat while sane or insane.
Pregnancy, childbirth, miscarriage or any complications thereof unless caused directly or indirectly by accident.
Pre-existing physical or mental defect or infirmity.
HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named.

Note:
The list above is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 12 March 2026.

Note: You are advised to note the scale of benefits for death and disablement in your insurance policy. You are advised to nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have purchased. You should read and understand the insurance policy and at all times, feel free to contact us for more information.