Malaysia Risk Assessment Country Guide

Working Abroad in Malaysia

A geographically and culturally diverse nation, Malaysia has seen rapid economic expansion recently and is quickly becoming an industrial leader in Southeast Asia. 

While individuals of many different cultural and religious backgrounds live in Malaysia, the predominant majority of people are Muslim.. If you plan and traveling to Malaysia, you should always respect all local laws and customs.

According to the UK Foreign & Commonwealth Office, foreign nationals and tourists often become targets of kidnapping while living or visiting Malaysia, and criminal incidents are on the rise. These problems are common in East Malaysia near the Philippines border while occurrences of political violence occur sporadically across the whole country. You should follow advice issued by local media and authorities during your stay.

Comprehensive international insurance solutions are recommended if you plan on living or working in Malaysia. Certain policies will help manage costs associated with life outside of your home country.

  • Health
  • Safety & Security
  • Terrorism

Since 2013, the Avian Flu (H7N9) remains a risk when travelling to Malaysia. From March 2013 to March 2015, more than 640 cases have been reported worldwide resulting in 224 deaths, mostly from mainland China.

On November 19, 2015, the CDC has issued a Level 1 Warning for travel to Malaysia due to outbreaks in dengue fever with more than 2,000 cases reported in 2015. Dengue is an illness spread through mosquito bites, and travelers should take every precaution to avoid mosquitoes. 

Malaysia has a number of adequate health care facilities for foreign visitors. However, both government and private hospitals require payment for all services, and private care can be especially costly. Therefore, you may want a Expat Health Insurance policy from Clements Worldwide. This policy ensures up to USD 5 million in medical benefits, and will allow you to choose any doctor you want while living abroad. Optional coverage and flexible payment methods are also available.

In addition to comprehensive health insurance, Clements also offers Medical Evacuation and Repatriation Insurance. A policy covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment in Malaysia.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Malaysia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Political confrontations and other violent encounters occur often in Malaysia. In February 2013, roughly 100 armed men overtook the small village of Kampung Tanduo, resulting in gunfire and fatalities. In March 2013, additional incidents took place along the coast between Lahad Datu and Semporna. Malaysian security forces continue to be active in that region.

Public protests can turn violent, and police have been known to use tear gas and water cannons on participants. Therefore, you should take care to avoid all public demonstrations while living in Malaysia.

Road conditions are considered adequate in West Malaysia, although less so in the eastern half of the country. Many drivers disobey signs and traffic signals, which could pose a hazard to fellow motorists. While driving, be wary of the high number of motorcycles. Clements offers Overseas Car Insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. A policy can help control the costs of living in another country, and adjusts to different nations' requirements.

While traveling via Malaysia's waterways, be vigilant with regard to piracy preparations. A constant problem in East Asia, ships have been targeted near the Strait of Malacca and between Sabah and the southern Philippines. Mariners should take proactive measures to mitigate risk, such as a Maritime Security Insurance policy from Clements. Coverage ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration. 

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Malaysia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is moderate risk of terrorism in Malaysia. Attacks often target public locations, such as those frequently visited by expats and tourists. With Clements, you can elect to have a Political Risk Insurance policy. This offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

While the threat of terrorism may not be severe, kidnapping is common across Malaysia. This is especially true in East Malaysia, near the Philippines border. In November 2013, two tourists were attacked off the coast of eastern Sabah, during which the male tourist was killed and his wife was kidnapped. Incidents have also occurred more frequently inland, as well as on the islands of Sipadan and Mataking.

On July 19, 2016, five Malaysian citizens were kidnapped by a jihadist group related to the Islamic State (EI) in waters of the Malaysian state of Sabah in northeast Borneo.

Given these risks, a Clements Kidnap and Ransom insurance policy may be advisable. Coverage ensures financial assistance following a kidnapping, such as independent investigations, negotiations, and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Malaysia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions