POEA War Risk Insurance for Overseas Workers

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POEA MEMORANDUM CIRCULAR NO. 4 S. 1985: POEA War Risk Insurance for Overseas Workers

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Title Supreme Court: POEA War Risk Insurance for Overseas Workers

Law: Poea Memorandum Circular No. 4 S. 1985

Decision Date: Feb 6, 1985

The Philippine Overseas Employment Administration mandates that all contract workers heading to designated war risk areas must be insured for at least $10,000, with the premium covered by the employer, to ensure their safety and compliance.

overseas employment

A

Definition of Designated War Risk Areas

The law adopts Lloyds Underwriters' definition of war risk or exclusion areas.
Current areas identified include:
1. Iraq
2. Iran
3. Lebanon
4. Angola
5. Israel
6. Syria
7. Nicaragua
8. Afghanistan
9. Ethiopia (including Eritrea)

Responsibilities of Recruitment Agencies

Agencies responsible for sending Filipino workers to the listed areas must ensure valid insurance coverage.
Monitoring and verification of insurance policy issuance for each worker deployed to these areas is mandatory.

Enforcement and Penalties

Failure by agencies to comply with the insurance requirement exposes them to administrative sanctions.
The Philippine Overseas Employment Administration (POEA) enforces strict compliance.

Legal Authority and Administrative Implementation

The issuance rests on POEA's authority to update war risk areas and impose corresponding insurance obligations.
The circular adopts external risk assessments from Lloyds Underwriters for policy guidance.
The memorandum was originally issued on February 6, 1985, and re-issued on February 18, 1992, affirming continuous applicability.

Purpose and Practical Implications

Aims to protect Filipino overseas contract workers against risks associated with deployment to war-torn or high-risk zones.
Ensures employer accountability for workers' insurance coverage in hazardous assignments.

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