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Group Insurance

Employee Benefits

Employee benefits insurance refers to insurance offered by employers to their current employees and/or their dependents. These are the major types of employee benefits insurance: medical insurance, life and disability insurance, critical illness insurance, personal accident insurance, maternity coverage, dental and optical coverage.

SME Package

The easy, convenient and comprehensive employee benefits solutions that customised for SME.

Employee Wellness Program

Employee wellness program is a program that helps employees stay healthy, or in some cases, helps them improve their health. Wellness program can be ongoing or one-time activity. Wellness program can range from ideas that have a specific purpose, such as helping employees to stop smoking or to lose weight, to on-site gym or gym memberships, to incentive programs that provide rewards for participation.

Participating in non-work activities together strengthens employee bonding and company culture. Having an employee wellness program can help companies attract and keep good employees because employees feel valued when their companies invest in their wellbeing.

Foreign Workers Insurance

Foreign Workers Insurance Guarantee (FWIG)

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers in Malaysia. FWIG guarantees to cover repatriation expenses in the event where your foreign worker is required by the authorities to be sent back to his country origin during his stay in Malaysia.

 

Foreign Workers Hospitalization and Surgical (FWHS or SKHPPA)

The Foreign Workers Hospitalisation and Surgical (FWCS or SKHPPA) is specially designed in view of increasing hospital and surgical costs and to reduce the financial burdens of employers of foreign workers in Malaysia in the event of hospital admission of their foreign workers due to an accident or illness. 

General Insurance

Fire & Property

Provides coverage for the buildings and covers loss or damage by fire or lightning. 

Engineering & Machines

Provides economic safeguard to the risks faced by the ongoing construction project, installation project, and machines and equipment in project operation. 

Commercial Insurance

Liability

The following information was retrieved from PIAM website.

Public Liability Insurance

This type of insurance would cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities, and if that person made a claim for compensation. The insurance would cover the compensation payment plus any legal expenses.

Product Liability Insurance

Product liability insurance covers the cost of compensating anyone who is injured by a faulty product that your business designs, manufactures or supplies.

Professional Indemnity Insurance

This policy is a form of liability insurance that helps protect professional advice and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.

Directors and Officers Liability Insurance

This policy is a liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defence costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defence costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously.

Employers’ Liability Insurance

This policy covers the employer because the employer may be at risk of being sued by those employees who are not protected by Workmen’s Compensation Acts or SOCSO. This policy indemnifies the employer against liability at law to pay compensation and cost and expenses to your employees in respect of accidental bodily injury or disease arising out of or in the course of employment. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate.

Compensation

The following information was retrieved from PIAM website.

Workmen’s Compensation Insurance

This policy covers the employer in respect of the statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to the employees who are generally not covered under SOCSO.

This policy indemnifies the employer against all sums for which the employer shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of this employment under the Acts.

Foreign Workers’ Compensation Scheme

Employers who are employing foreign workers must comply with the statutory requirement under Section 26(2) of the Amended Act 1996 of Workmen’s Compensation Act 1952 to purchase this insurance to protect their foreign workers
This policy indemnifies the employer under the Act in respect of compensation for employment injury as well as non-employment injury sustained by your foreign workers.

Financial Planning

Insurance Planning

The principal goal of Insurance Planning is to identify and analyse risk factors in life and seek proper coverage to attain a peace of mind if disaster strikes.

Each person has different insurance needs tied to his/her unique situation, age, health, family structure, economic status, possessions, assets, and many other factors. There are several forms of insurance and there is no “one size fits all” – this is the reason why we need insurance planning. Any major change in life requires an immediate review of insurance planning to make sure the protection remains adequate.

We offer a complete range of insurance plans to meet your diverse insurance needs.

Investment Planning

A sound Investment Planning is critical to helping your money grow and, ideally, outpacing inflation. Before you invest your money, it’s important to identify and prioritise your financial goals, assess your risk tolerance and understand your investment options. Our experienced financial advisors can help you sort through your options and optimise your investment return.

Education Planning

Education Planning involves designing an investment strategy that specifically addresses the educational needs of your family. Specifically, we will design a plan that will help you and your children to achieve your goals. At Fintegy, we take into consideration how much time until the start date, if it is either public or private education institution, the investment returns needed to achieve the required capital. It’s important to begin saving early to reduce the initial funds required by taking advantage of the power of compounding over time.

Retirement Planning

Retirement Planning helps you maintain your desired lifestyle during old age. It provides financial security to you and your family by enabling you to make prudent investments during your working years. It also enables you to make the best use of your hard-earned money post retirement. One of the key benefits of effective Retirement Planning is to cover for any contingencies arising from uncertain events which can compromise your abilities to meet your financial goals.
Retirement Planning involves a step-by-step approach:

Step 1: Identifying your financial and retirement goals
Step 2: Analysing your current financial situation
Step 3: Risk Profiling
Step 4: Asset Allocation
Step 5: Investment Allocation Strategy
Step 6: Periodic Monitoring and Rebalancing

It is essential to seek expert advice and create a comprehensive roadmap based on the different stages of your life to meet your financial requirements.

How We Can Help Your Financial Goals Stay On Track?

Over time, your goals and risk tolerance may change as well as factors outside of your control may also change.
Fintegy financial advisors help you revisit your financial strategy regularly,
so you can stay in line with your long-term financial goals.

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