{"id":3870,"date":"2022-05-18T16:52:49","date_gmt":"2022-05-18T08:52:49","guid":{"rendered":"https:\/\/lifestages.com.my\/?page_id=3870"},"modified":"2022-05-18T17:00:46","modified_gmt":"2022-05-18T09:00:46","slug":"workers-compensation-insurance","status":"publish","type":"page","link":"https:\/\/lifestages.com.my\/zh\/workers-compensation-insurance\/","title":{"rendered":"Workers Compensation Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3870\" class=\"elementor elementor-3870\">\n\t\t\t\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-33a79095 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33a79095\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b7194dc\" data-id=\"b7194dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3706530d\" data-id=\"3706530d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-537de1f animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"537de1f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.4 - 13-04-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Workers Compensation Insurance<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4788e5dc\" data-id=\"4788e5dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d7c8def elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7c8def\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-854bc2f\" data-id=\"854bc2f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-baca271 elementor-widget elementor-widget-heading\" data-id=\"baca271\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the Workers Compensation Insurance in Malaysia?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44ba518 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"44ba518\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.4 - 13-04-2022 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#2c2c2c;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);-ms-flex-negative:0;flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:-webkit-box;display:-ms-flexbox;display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{-webkit-box-align:center;-ms-flex-align:center;align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;-webkit-box-flex:1;-ms-flex-positive:1;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74175f9 elementor-widget elementor-widget-text-editor\" data-id=\"74175f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.4 - 13-04-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>It is a workers compensation coverage. This workers compensation insurance is bought as an employer business protection. \u00a0To protect an employer\u2019s liability for an injured worker or worker suffering from occupational diseases from the workplace. \u00a0It is also known as workmen compensation insurance or worker compensation law coverage insurance.<\/p><p>A workers comp protection is to cover workers from work-related injuries. The workers are as defined by several acts of the Malaysian Parliament and \u00a0Malaysian Common Law.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0886d4e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0886d4e\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-bed55c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bed55c8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5800795\" data-id=\"5800795\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-aece029 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aece029\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-961df6c\" data-id=\"961df6c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bbfd272 elementor-widget elementor-widget-heading\" data-id=\"bbfd272\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Employer Liabilities to Employees<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9228664 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9228664\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26a5b41 elementor-widget elementor-widget-text-editor\" data-id=\"26a5b41\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In Malaysia, the Workmen\u2019s Compensation Act 1952 and Common Law states the liabilities an employer has for their employees.\u00a0 Today, this covers mostly foreign workers.\u00a0 Most insurance companies provide compensation plans to cover for this. Malaysian citizens and permanent residents currently paying for SOCSO are covered for work-related injuries. \u00a0\u00a0The government is in the process of obsoleting the Workmen\u2019s Compensation Act.\u00a0<a href=\"https:\/\/www.perkeso.gov.my\/index.php\/en\/perlindungan-perkeso-untuk-pekerja-asing\" target=\"_blank\" rel=\"noreferrer noopener\">They plan to have all worker compensation coverage to be within SOCSO<\/a>. However, Common Law will still have implication and impact.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1a6b73 elementor-widget elementor-widget-text-editor\" data-id=\"b1a6b73\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You need to know the definition of worker in Malaysian law. \u00a0There are many laws on this. The best references are the\u00a0<a href=\"http:\/\/www.ilo.org\/dyn\/natlex\/natlex4.detail?p_lang=en&amp;p_isn=43905\" target=\"_blank\" rel=\"noreferrer noopener\">Workmen\u2019s Compensation Act<\/a>\u00a0and the\u00a0<a href=\"http:\/\/www.agc.gov.my\/agcportal\/uploads\/files\/Publications\/LOM\/EN\/Act%204%20-%20Employees'%20Social%20Security%20Act%201969.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Employees\u2019 Social Security Act<\/a>. \u00a0Then you will be able to purchase workers compensation insurance clearly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5a10a67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a10a67\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ad9ac2\" data-id=\"3ad9ac2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c3f669 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2c3f669\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why do we need Workmen Compensation Insurance?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9b8459 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d9b8459\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f16351 elementor-widget elementor-widget-text-editor\" data-id=\"7f16351\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We want the employer protected from workmen liability. \u00a0That is implied by Malaysian Common Law, and when required to by a<a href=\"https:\/\/en.wikipedia.org\/wiki\/European_Agency_for_Safety_and_Health_at_Work\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0foreign law applied in a contract<\/a>.<\/p><p>This insurance covers\u00a0<a href=\"http:\/\/www.dosh.gov.my\/index.php\/en\/list-of-documents\/acts\/23-02-occupational-safety-and-health-act-1994-act-514\/file\" target=\"_blank\" rel=\"noreferrer noopener\">workplace injuries<\/a>. \u00a0It is an employer\u00a0liability insurance. It protects the company for legal and medical costs, for\u00a0<a href=\"https:\/\/www.osha.gov\/Publications\/all_about_OSHA.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">employees injured in the course of employment<\/a>.<\/p><p>During work, at the workplace when carrying out work that resulted in the injury of the worker. \u00a0This workers compensation plan covers personal injury and provides compensation such as wage replacement and medical benefits.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-83f2e72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"83f2e72\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ee926e\" data-id=\"4ee926e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-184960f elementor-widget elementor-widget-image\" data-id=\"184960f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.4 - 13-04-2022 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"1024\" height=\"683\" src=\"https:\/\/lifestages.com.my\/wp-content\/uploads\/2022\/05\/becca-tapert-tam80nXFvL4-unsplash-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/lifestages.com.my\/wp-content\/uploads\/2022\/05\/becca-tapert-tam80nXFvL4-unsplash-1024x683.jpg 1024w, https:\/\/lifestages.com.my\/wp-content\/uploads\/2022\/05\/becca-tapert-tam80nXFvL4-unsplash-300x200.jpg 300w, https:\/\/lifestages.com.my\/wp-content\/uploads\/2022\/05\/becca-tapert-tam80nXFvL4-unsplash-768x512.jpg 768w, https:\/\/lifestages.com.my\/wp-content\/uploads\/2022\/05\/becca-tapert-tam80nXFvL4-unsplash-1536x1024.jpg 1536w, https:\/\/lifestages.com.my\/wp-content\/uploads\/2022\/05\/becca-tapert-tam80nXFvL4-unsplash-2048x1365.jpg 2048w, https:\/\/lifestages.com.my\/wp-content\/uploads\/2022\/05\/becca-tapert-tam80nXFvL4-unsplash-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-938414a\" data-id=\"938414a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b475fe elementor-widget elementor-widget-text-editor\" data-id=\"3b475fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A company buys this protection to comply with the laws that the company has to comply. \u00a0For example. A company in Malaysia that signs a contract. The contract is governed by the national law as agreed in the contract. \u00a0It could be Malaysian. It could be foreign.<\/p><p>If foreign, then the company has to comply with the laws of the foreign country. \u00a0Then the Malaysian company may need to provide this<a href=\"https:\/\/www.osha.gov\/law-regs.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0coverage to comply with that country\u2019s law<\/a>.<\/p><p>The contracting party may require indemnity or liability\u00a0<strong>compliance<\/strong>\u00a0that the company has to follow. \u00a0Then this insurance may also be required.<\/p><p>This insurance protects the employer from a suit of negligence from an injured employee. \u00a0There are many types of insurance policies. They cover benefits, protection, and compensation. \u00a0This insurance policy is a liability protection insurance for companies.<\/p><p>This insurance varies from country to country or even vary from state to state. \u00a0In Malaysia, Federal laws cover all states and territories in Malaysia.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3907ad9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3907ad9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2df7d62 elementor-invisible\" data-id=\"2df7d62\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e133087 elementor-widget elementor-widget-heading\" data-id=\"e133087\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the coverage provided by the Workmen Compensation Insurance?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bb12f0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3bb12f0\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cad556 elementor-widget elementor-widget-text-editor\" data-id=\"6cad556\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This Workmen Compensation Insurance covers legal and medical costs and worker\u2019s income liabilities for an employer. \u00a0Protection against an\u00a0<a href=\"https:\/\/www.osha.gov\/shpguidelines\/\" target=\"_blank\" rel=\"noreferrer noopener\">occupational mishap at the workplace<\/a>\u00a0by a worker.<\/p><p>It covers an employer\u2019s\u00a0<a href=\"http:\/\/www.dosh.gov.my\/index.php\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">legal obligations to the safety and well being of workers in a workplace<\/a>.<\/p><p>The coverage can be listed as follows:<\/p><ol><li>Medical costs and Income compensation for workers personal injuries from the workplace<\/li><li>Death or injury benefits.<\/li><li>Legal costs coverage for the employer in the event of a lawsuit for such injuries or negligence.<\/li><li>Coverage is within Malaysia, as required and defined by the\u00a0<a href=\"https:\/\/en.wikipedia.org\/wiki\/Law_of_Malaysia\" target=\"_blank\" rel=\"noreferrer noopener\">laws of Malaysia<\/a><\/li><\/ol><p>The workmen can be employees, sub contractors employees or any worker the employer has contractually obliged to pay or cover. \u00a0This definition is very important to protect an employer from liabilities or lawsuits from workplace incidents.<\/p><p>The\u00a0<a href=\"https:\/\/en.wikipedia.org\/wiki\/Common_law\" target=\"_blank\" rel=\"noreferrer noopener\">Common Law<\/a>\u00a0plays an important aspect and can potentially stand alone from other Workers Acts in this instance. \u00a0You should note that the Workmen Compensation Acts and SOCSO Acts are quite limited in scope based on salary prerequisites.<\/p><p><strong>Workmen can claim compensation\u00a0<\/strong>based on Common Law. \u00a0They can make a claim of negligence or seeking compensation and relief from the Employer. \u00a0Common Law employer liability coverage is an additional cover to this Workmen Compensation Insurance.<\/p><p>Negligence can be claimed by proving a failure of the employer. \u00a0A failure such as to provide a safe working environment. Safe equipment in good working order. A failure to recruit suitably qualified staff competent for the required job scope.<\/p><p>The coverage is for a year. \u00a0With an option for annual renewal. \u00a0\u00a0The amount of coverage is based on the employer\u2019s annual payroll and coverage requirements. \u00a0Acts of war are excluded from coverage.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-478f8a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"478f8a5\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-595cbff\" data-id=\"595cbff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50d1b2a elementor-widget elementor-widget-heading\" data-id=\"50d1b2a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Request for Quotation<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d34052 elementor-widget elementor-widget-text-editor\" data-id=\"0d34052\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Medical, Life and Group Insurance\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b62fce1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b62fce1\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd8572 elementor-widget elementor-widget-shortcode\" data-id=\"8fd8572\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"wpforms-container\" id=\"wpforms-1983\"><form id=\"wpforms-form-1983\" class=\"wpforms-validate wpforms-form\" data-formid=\"1983\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/zh\/wp-json\/wp\/v2\/pages\/3870\" data-token=\"7937bc87c52bf735949dadd008974ae7\" data-trp-original-action=\"\/zh\/wp-json\/wp\/v2\/pages\/3870\"><noscript class=\"wpforms-error-noscript\">\u8bf7\u5728\u6d4f\u89c8\u5668\u4e2d\u542f\u7528JavaScript\u6765\u5b8c\u6210\u6b64\u8868\u5355\u3002<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-1983-field_3-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-id=\"3\"><label class=\"wpforms-field-label\" for=\"wpforms-1983-field_3\">Select which items you would like to get proposals for.<\/label><ul id=\"wpforms-1983-field_3\"><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-1983-field_3_1\" name=\"wpforms[fields][3][]\" value=\"Medical Card\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1983-field_3_1\">Medical Card<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-1983-field_3_2\" name=\"wpforms[fields][3][]\" value=\"Life Insurance\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1983-field_3_2\">Life Insurance<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"checkbox\" id=\"wpforms-1983-field_3_3\" name=\"wpforms[fields][3][]\" value=\"Critical Illness Insurance\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1983-field_3_3\">Critical Illness Insurance<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"checkbox\" id=\"wpforms-1983-field_3_4\" name=\"wpforms[fields][3][]\" value=\"Lady Insurance\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1983-field_3_4\">Lady Insurance<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"checkbox\" id=\"wpforms-1983-field_3_5\" name=\"wpforms[fields][3][]\" value=\"Baby Insurance\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1983-field_3_5\">Baby Insurance<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"checkbox\" id=\"wpforms-1983-field_3_6\" name=\"wpforms[fields][3][]\" value=\"Personal Accident Insurance\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1983-field_3_6\">Personal Accident Insurance<\/label><\/li><\/ul><\/div><div id=\"wpforms-1983-field_4-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"4\"><label class=\"wpforms-field-label\" for=\"wpforms-1983-field_4\">Name <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-1983-field_4\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][4][first]\" required><label for=\"wpforms-1983-field_4\" class=\"wpforms-field-sublabel after\">\u524d\u4e00\u9875<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-1983-field_4-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][4][last]\" required><label for=\"wpforms-1983-field_4-last\" class=\"wpforms-field-sublabel after\">\u540e\u4e00\u9875<\/label><\/div><\/div><\/div><div id=\"wpforms-1983-field_5-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"5\"><label class=\"wpforms-field-label\" for=\"wpforms-1983-field_5\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-1983-field_5\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][5]\" required><\/div><div id=\"wpforms-1983-field_6-container\" class=\"wpforms-field wpforms-field-phone\" data-field-id=\"6\"><label class=\"wpforms-field-label\" for=\"wpforms-1983-field_6\">Phone<\/label><input type=\"tel\" id=\"wpforms-1983-field_6\" class=\"wpforms-field-medium wpforms-smart-phone-field\" data-rule-smart-phone-field=\"true\" name=\"wpforms[fields][6]\" ><\/div><\/div><div class=\"wpforms-submit-container\"><input type=\"hidden\" name=\"wpforms[id]\" value=\"1983\"><input type=\"hidden\" name=\"wpforms[author]\" value=\"1\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1983\" class=\"wpforms-submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"zh\"\/><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Workers Compensation Insurance What is the Workers Compensation Insurance in Malaysia? It is a workers compensation coverage. This workers compensation insurance is bought as an employer business protection. \u00a0To protect an employer\u2019s liability for an injured worker or worker suffering from occupational diseases from the workplace. \u00a0It is also known as workmen compensation insurance or &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/lifestages.com.my\/zh\/workers-compensation-insurance\/\"> <span class=\"screen-reader-text\">Workers Compensation Insurance<\/span> Read More \u00bb<\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false},"_links":{"self":[{"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/pages\/3870"}],"collection":[{"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/comments?post=3870"}],"version-history":[{"count":27,"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/pages\/3870\/revisions"}],"predecessor-version":[{"id":3900,"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/pages\/3870\/revisions\/3900"}],"wp:attachment":[{"href":"https:\/\/lifestages.com.my\/zh\/wp-json\/wp\/v2\/media?parent=3870"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}