{"id":1206,"date":"2023-02-19T15:00:07","date_gmt":"2023-02-19T07:00:07","guid":{"rendered":"http:\/\/www.takaful-malaysia.com.my\/products\/foreign-workers-hospitalisation-surgical-scheme-skhppa-copy\/"},"modified":"2025-10-06T17:24:01","modified_gmt":"2025-10-06T09:24:01","slug":"employers-liability","status":"publish","type":"products","link":"https:\/\/www.takaful-malaysia.com.my\/en\/products\/employers-liability\/","title":{"rendered":"Employer&#8217;s Liability"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":41056,"template":"","categories":[99],"tags":[],"class_list":["post-1206","products","type-products","status-publish","has-post-thumbnail","hentry","category-employer"],"acf":{"hero":{"background_image":41052,"mobile_background_image":41054,"heading":"Employer's Liability","copy":"Protection for you as an employer","button":{"toggle":"Yes","button_text":"Visit our nearest branch","button_link":"https:\/\/www.takaful-malaysia.com.my\/en\/contact-us\/","button_id":""},"copy_2":"Similar to the Workmen's Compensation scheme, liability may be attached to you as an employer should your employees sustain bodily injury or disease caused by accidents during the course of employment.\r\n\r\n&nbsp;\r\n\r\nFor categories of employees not protected by the Workmen's Compensation Act's or SOCSO, liability at law would still exist and you may obtain indemnity under the Employer's Liability. \u200b"},"see_more_highlights":"","see_less_highlights":"","coverage_highlights":{"title":"Key Benefits","1st_highlight":{"toggle":"Yes","image":39055,"highlight_title1":"Cover the sum of the compensation","copy":"that the employer has to pay to the employee due to the accidental bodily injury or disease "},"2nd_highlight":{"toggle":"Yes","image":39057,"highlight_title2":"Recovery cost and expenses","copy":"by any claimant against the Participant\r\n"},"3rd_highlight":{"toggle":"Yes","image":40099,"highlight_title3":"With our written consent ","copy":"Cover all costs and expenses of litigation"}},"coverage_highlights2":{"toggle":"No","highlight":null},"eligibility":{"toggle":"Yes","eligibility_img":41058,"title":"Eligibility","copy":"","checkmarks":[{"checkmark_text":"Licensed employer."}],"notes":""},"roadside_assistance_program":{"toggle":"No","heading":"","programs":null,"link":"","toggle_more_about_this_program_button":"No","more_about_this_program_button_text":"","title":"","copy":""},"how_to_apply":{"title":"How to Apply?","copy":"","btn_text":"Visit our nearest branch","btn_text2":"","link":"https:\/\/www.takaful-malaysia.com.my\/en\/contact-us\/","link2":"","button_id":"","2nd_button_id":""},"faq":{"title":"Frequently Asked Questions (FAQ)","question":[{"question_title":"How much contribution do I have to pay?","question_content":"The total annual contribution that you have to pay may vary depending on the risk exposure, our underwriting requirements, the sum covered and the nature of your business. Subject to a minimum contribution of RM75.00."},{"question_title":"What are the main exclusions that I need to know?","question_content":"This plan does not cover certain losses, such as:\r\n<ol style=\"list-style: auto; padding-left: 20px;\">\r\n \t<li>Employees of sub-contractors.<\/li>\r\n \t<li>Waivers of subrogation.<\/li>\r\n \t<li>Compensation which is payable under the Workmen. Compensation Certificate.<\/li>\r\n \t<li>War exclusions.<\/li>\r\n \t<li>Any other events prohibited by Shariah principles.<\/li>\r\n<\/ol>\r\n&nbsp;"},{"question_title":"Can I cancel my certificate?","question_content":"You may cancel your certificate by giving a written notice to us. Upon cancellation, you are entitled to a partial refund of the contribution provided you have not made any claim."},{"question_title":"Is this product protected under PIDM?","question_content":"<span class=\"ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak\" dir=\"ltr\">The benefit(s) payable under eligible product is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM\u2019s Takaful and Insurance Benefits Protection <\/span>System <a href=\"https:\/\/www.pidm.gov.my\/pidm2022\/files\/92\/92bdfcde-3534-4a29-9031-5186387623ee.pdf\"><span style=\"color: #3366ff;\">(<\/span><span style=\"color: #3366ff;\">TIPS)<\/span><\/a> Brochure or contact Takaful Malaysia or PIDM (visit <a href=\"http:\/\/www.pidm.gov.my\/en\"><span style=\"color: #3366ff;\">www.pidm.gov.my\/en<\/span><\/a>)."}]},"custreview":{"toggle":"No","title":"","":null,"review":[{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""}]},"documents_section":{"toggle":"Yes","title":"Document Download","":null,"docs_repeater":[{"file_name":"Product Disclosure Sheet","file":438762},{"file_name":"Proposal Form","file":373198}],"docs_repeater3":null,"docs_repeater2":null,"docs_repeater_bm":[{"file_name":"Helaian Penerangan Produk","file":438762},{"file_name":"Borang Cadangan","file":4964}],"docs_repeater3_bm":null,"docs_repeater2_bm":null}},"_links":{"self":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1206","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products"}],"about":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/types\/products"}],"author":[{"embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/users\/5"}],"version-history":[{"count":10,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1206\/revisions"}],"predecessor-version":[{"id":438764,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1206\/revisions\/438764"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/media\/41056"}],"wp:attachment":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/media?parent=1206"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/categories?post=1206"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/tags?post=1206"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}