Question & AnswerQ&A (POEA MEMORANDUM CIRCULAR NO. 4 S. 1985)
The main purpose is to mandate insurance coverage for Filipino contract workers deployed to designated war risk areas, ensuring they are insured for not less than $10,000 against war-related risks, with the premium charged to the employer.
The Philippine Overseas Employment Administration (POEA) has the authority to determine and update war risk areas and their applicable insurance coverages.
POEA adopted the Lloyds Underwriter's promulgations on war risk areas to define current exclusion areas for insurance purposes.
The insurance coverage amount must be not less than Ten Thousand U.S. Dollars ($10,000).
The agency sending the Filipino workers into these war risk areas is responsible for ensuring the insurance coverage is in place.
The agency may be subjected to administrative sanctions for failing to comply with the insurance coverage requirement.
Iraq, Iran, Lebanon, Angola, Israel, Syria, Nicaragua, Afghanistan, and Ethiopia (includes Eritrea).
The insurance premium shall be charged against the employer.
The memorandum specifically covers land-based workers deployed to the defined war risk areas.