IG Coverage
The Insurance Guarantee (IG) is a mandatory security bond required by the Immigration Department of Malaysia for all employers hiring foreign workers.
It serves as a security deposit to protect employers and ensure the safe repatriation of foreign workers to their home countries when necessary.
Purpose of the Insurance Guarantee (IG)
The IG functions as a financial guarantee to cover related costs if a foreign worker:
- Violates any section under the Malaysian Immigration Act
- Gets married or becomes pregnant while in Malaysia
- Overstays in Malaysia after the work permit or visa expires
- Has an employer who fails to provide a return flight ticket after the expiry of the permit or visa
- Dies in Malaysia and the employer fails to bear the cost of repatriating the worker’s remains
- Is denied unpaid wages by the employer
- Engages in illegal or immoral activities such as drug abuse or prostitution
- Participates in unauthorised employment, business, or any activity that threatens Malaysia’s security or public welfare
How Much Is the Insurance Guarantee (IG) Premium?
The premium amount depends on:
- The nationality of the foreign worker
- The annual premium rate, which is 1% of the total guaranteed amount
Nationality | Guarantee Amount (RM) | IG Premium per Worker (RM) |
|---|---|---|
Indonesia, Thailand, Cambodia | 250 | 3.75 |
Bangladesh | 500 | 7.50 |
India, Myanmar, Sri Lanka, Pakistan, Nepal | 750 | 11.25 |
Philippines | 1000 | 15.00 |
Vietnam, China | 1500 | 22.50 |
Frequently Asked Question (FAQ)
- 1. Why is it cheaper when purchasing IG for multiple workers?
This happens because of the minimum premium rule.
For example, the IG premium for one Bangladeshi worker is RM7.50, but the minimum payable amount is RM50. If you have six Bangladeshi workers with the same permit expiry date, the total premium (RM45) is still below RM50. Hence, the minimum payable remains RM50. However, if there are seven workers, the total premium becomes RM52.50, so you need to pay RM52.50.
Example Calculation:
- RM7.50 × 6 workers (same expiry date): RM45 → Pay minimum RM50
- RM7.50 × 7 workers (same expiry date): RM52.50 → Pay RM52.50
Purchase SPIKPA IG Using FWCMS ITR
Official website: https://tr.ee/einsurans
For further inquiries, please contact eInsurans Malaysia via WhatsApp: https://wa.me/601156216906
Updated on: 08/11/2025
Thank you!