{"id":1448,"date":"2026-08-03T15:00:00","date_gmt":"2026-08-03T07:00:00","guid":{"rendered":"https:\/\/mykopim.my\/?p=1448"},"modified":"2026-08-02T21:38:52","modified_gmt":"2026-08-02T13:38:52","slug":"insurance-guarantee-itr","status":"publish","type":"post","link":"https:\/\/mykopim.my\/en\/insurance-guarantee-itr\/","title":{"rendered":"Apa itu Insurance Guarantee (IG) &#038; ITR? Kenapa Wajib untuk Permit?"},"content":{"rendered":"<div class=\"wp-block-group kopim-box is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Isi penting<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IG = jaminan kewangan kepada kerajaan; FWIG diwajibkan di bawah Peraturan 21<\/li>\n\n\n\n<li>Premium 1% daripada jumlah jaminan (minimum RM50) + SST 8% + duti setem RM10<\/li>\n\n\n\n<li>ITR dijana dalam FWCMS \u2014 sah 14 hari sahaja, maksimum 10 pekerja<\/li>\n\n\n\n<li>Tiada refund selepas diaktifkan; potongan gaji pekerja dilarang<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group kopim-toc is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Kandungan<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#bagaimana-insurance-guarantee\">Bagaimana Insurance Guarantee berfungsi?<\/a><\/li>\n\n\n\n<li><a href=\"#berapa-kosnya\">Berapa kosnya?<\/a><\/li>\n\n\n\n<li><a href=\"#pula-itr\">Apa pula ITR?<\/a><\/li>\n\n\n\n<li><a href=\"#soalan-kerap-ditanya\">Soalan yang kerap ditanya<\/a><\/li>\n\n\n\n<li><a href=\"#dah-ada-itr\">Dah ada ITR? Hantar kepada kami<\/a><\/li>\n<\/ol>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Setiap kali anda memohon atau renew permit pekerja asing, dua istilah ini pasti muncul: IG dan ITR. Ringkasnya \u2014 IG (Insurance Guarantee) ialah jaminan kewangan yang dikeluarkan syarikat insurans kepada kerajaan, dan ITR (Insurance Transaction Reference) ialah nombor rujukan daripada FWCMS yang anda perlukan untuk membelinya.<\/p>\n\n\n\n<h2 id=\"bagaimana-insurance-guarantee\" class=\"wp-block-heading\">Bagaimana Insurance Guarantee berfungsi?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">IG ialah ikatan jaminan yang sah di sisi undang-undang: jika majikan gagal memenuhi obligasi imigresen, syarikat insurans membayar kepada kerajaan. Bagi pekerja asing, ia dikenali sebagai FWIG \u2014 diwajibkan di bawah Peraturan 21, Peraturan-Peraturan Imigresen. Tempoh standard 18 bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IG mencakup kos repatriasi apabila, antara lain: pekerja melanggar Akta Imigresen, melebihi tempoh permit, majikan gagal menyediakan tambang pulang, gaji tidak dibayar, atau pekerja terlibat aktiviti yang menyalahi undang-undang.<\/p>\n\n\n\n<h2 id=\"berapa-kosnya\" class=\"wp-block-heading\">Berapa kosnya?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Premium dikira pada kadar 1% daripada jumlah jaminan, tertakluk kepada minimum RM50, campur SST 8% dan duti setem RM10.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contoh: seorang pekerja Bangladesh \u2014 RM50 (minimum) + RM4 (SST) + RM10 (duti setem) = RM64.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tip jimat: beberapa pekerja dengan tarikh luput yang sama boleh digabungkan bawah satu ambang premium minimum \u2014 tanya kami cara susun.<\/p>\n\n\n\n<h2 id=\"pula-itr\" class=\"wp-block-heading\">Apa pula ITR?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">ITR dijana dalam FWCMS (Foreign Workers Centralised Management System \u2014 beroperasi penuh sejak Februari 2025, menggantikan ePLKS). Nombor ini menarik butiran pekerja dan majikan secara automatik \u2014 tiada dokumen tambahan diperlukan semasa pembelian.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fakta penting tentang ITR:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sah selama 14 hari sahaja \u2014 lepas tempoh, kena jana semula<\/li>\n\n\n\n<li>Maksimum 10 pekerja setiap penjanaan<\/li>\n\n\n\n<li>Selepas bayaran, status FWCMS dikemas kini kepada &#8220;Insurance Purchased&#8221; \u2014 biasanya dalam beberapa minit hingga beberapa jam<\/li>\n\n\n\n<li>Tip: selesaikan bayaran dalam 72 jam selepas jana ITR<\/li>\n<\/ul>\n\n\n\n<h2 id=\"soalan-kerap-ditanya\" class=\"wp-block-heading\">Soalan yang kerap ditanya<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Boleh refund? Tidak \u2014 sekali dikeluarkan dan diaktifkan dengan Imigresen, ia tidak boleh dikembalikan walaupun pekerja pulang awal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jejaskan CCRIS\/CTOS? Tidak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bayar bulanan? Tidak \u2014 premium sekali bayar setiap tahun. Polisi tahun lepas tidak boleh diguna semula.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potong gaji pekerja? Dilarang sama sekali \u2014 majikan tanggung sepenuhnya.<\/p>\n\n\n\n<h2 id=\"dah-ada-itr\" class=\"wp-block-heading\">Dah ada ITR? Hantar kepada kami<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Itu sahaja yang kami perlukan. Whatsapp ITR anda, team Kopim uruskan SPIKPA IG sehingga status FWCMS anda selesai \u2014 <a href=\"https:\/\/mykopim.my\/en\/foreign-worker-insurance\/\">lihat perkhidmatan penuh kami<\/a>. Trust, sejak 2010.<\/p>","protected":false},"excerpt":{"rendered":"<p>IG ialah jaminan kepada Imigresen; ITR ialah nombor rujukan FWCMS untuk beli insurans pekerja asing. Fahami cara ia berfungsi dan kos sebenar 2026.<\/p>","protected":false},"author":1,"featured_media":1463,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[72,63,70,71,73],"class_list":["post-1448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurans-pekerja-asing","tag-fwcms","tag-fwig","tag-insurance-guarantee","tag-itr","tag-permit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Apa itu Insurance Guarantee (IG) &amp; ITR? Kenapa Wajib untuk Permit? | Kopim Insurance Centre<\/title>\n<meta name=\"description\" content=\"IG ialah jaminan kepada Imigresen; ITR ialah nombor rujukan FWCMS untuk beli insurans pekerja asing. 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