> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.einsuransmy.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Buying without an ITR: when it applies and how it works

Most permit renewals go through FWCMS and need an ITR. This page is only for:

* Renewals **JIM has told you to do at the counter**, not in FWCMS.
* **Special Pass (SP), Rehiring or RTK** cases that JIM is handling outside FWCMS.

||| Not sure which applies to you? Ask JIM first, or WhatsApp us on 011-5621 6906 and our team checks it with you.

## How to buy without an ITR

1. On [tr.ee/einsurans](https://tr.ee/einsurans), **skip the ITR section** and go to **Employer Details**.
2. **Upload the worker Excel file first**, then fill in the company details. Uploading clears anything typed before it. With only one worker, you can key in the details instead, clicking **Update** and **Add** after each worker.
3. Look for **"Upload Successful"** under Employer Particulars; that means the file went in.

![](https://storage.crisp.chat/users/helpdesk/website/-/8/f/e/e/8fee56e3f4257000/image_1qloout.png)

4. Type the **Period of Cover** start date in both the SPIKPA and the IG sections. For SP, Rehiring and RTK, use today's date or the day you submit.
5. Only need SPIKPA? Tick only **Foreign Worker Hospitalisation and Surgical Scheme** and untick the Insurance Guarantee.
6. Pay, then WhatsApp us your **SKHPPA policy number** for the **SPIKPA slip** you need at the JIM counter. It is ready about 1–2 hours after the policy is issued.

## Filling in the Excel file

Each column has floating instructions to guide you.

![](https://storage.crisp.chat/users/helpdesk/website/8fee56e3f4257000/screenshot-2024-09-10-214941_1m1ftwf.png)

🎥 Step-by-step on YouTube: [How to Key in Workers in Excel File](https://www.youtube.com/watch?v=pcVKWc_ycDs&si=Iui1E9Cu5vv3Aolu)

## If something goes wrong

1. **"Upload Aborted":** the Excel file has a formatting error. WhatsApp us the file and our team corrects it with you.
2. **"Worker had been blacklisted":** usually an expired passport or unpaid government hospital bills in the worker's name. Check with JIM, or WhatsApp us and we work out the next step.

## 🎥 (BM) Video Guide: How to Buy SPIKPA / IG Without FWCMS ITR

${frame}[How to buy SKHPPA / IG without ITR](https://www.youtube.com/embed/DkiDf0VjqIE?si=yYhkASrrAS2TCAQT)

## Renewing in FWCMS?

Use your ITR instead: [Where do I get my FWCMS ITR?](https://help.einsuransmy.com/en/article/1471fh2/)

## Still stuck? Talk to a real person.

**eInsurans — Your Foreign Worker Insurance One-Stop Centre**

- WhatsApp **[011-5621 6906](https://wa.me/601156216906)**: 9am–6pm, Monday to Sunday. Real people answer.
- Email [hello@einsuransmy.com](mailto:hello@einsuransmy.com)
- Buy SPIKPA IG with your FWCMS ITR: [tr.ee/einsurans](https://tr.ee/einsurans)

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