FWHS/SPIKPA - Claims Submission
Everything you need to know about claiming your Foreign Worker Hospitalization & Surgical Scheme (SPIKPA) clear, simple, and fast to follow.
Quick Summary (for emergencies)
- Admitted to Government hospital → Show passport → Hospital verifies passport in SPIKPA system
- If deposit paid → Keep receipts
- Collect medical report + bills
- Submit all documents → Claim durations takes 7–14 working days
- Contact us via WhatsApp if unsure
💡 Tip: Save this page or share it with your HR/admin team for quick access during emergencies.
1. Government Hospital Admission (Cashless)
If your foreign worker is admitted to a government hospital in Malaysia, just follow these steps:
- Present the worker’s passport at the admission counter.
- The hospital will verify SPIKPA insurance Malaysia validity through their system.
- Once confirmed, the hospital will handle billing directly with the insurer’s third-party provider.
⚠️ Note: Sometimes hospitals may request a deposit depending on the condition or specific procedures.
You may later submit a reimbursement claim for eligible costs within coverage limits.
What is considered as Government Hospital?
- Any non-corporatized Malaysian Government Hospital.
- Not covered: Semi-government institutions (e.g. PPUM, UKM, UiTM) and all private hospitals.
📄 View the list of eligible government hospitals in Malaysia »
2. Manual Claims Submission
If you’ve paid a deposit or any charges yourself, please prepare and submit the following documents:
✅ Required Document | 📋 Description |
|---|---|
Completed Claim Form | |
Worker’s Passport & Work Permit | Photocopy both pages clearly |
Medical Report | Request a certified copy from the hospital or download via their website (details below) |
Original Medical Bill / Receipt | Must show hospital name and payment details |
Processing Time: 7–14 working days after receiving complete documents.
⚠️ Incomplete documents may delay claim processing.
3. How to Request a Medical Report
- Each hospital has its own medical report request form.
- Example: For Hospital Kuala Lumpur, download the form from its official website.
- You can also ask the attending doctor or medical records unit upon discharge.
Reports may take 4–8 weeks depending on government hospital processing time — request early to avoid delays.
4. What FWHS / SPIKPA Does NOT Cover
❌ Not Covered | Remarks |
|---|---|
Emergency outpatient treatment | Only inpatient (admission) is covered |
Death | Not included |
Accidents due to fight / unlawful activities / criminal actions | Excluded |
Total Permanent Disability (TPD) | Claimable under SOCSO Employment Injury Scheme instead |
For the full list of exclusions, please refer to your SPIKPA policy contract.
5. Tips for Employers / Agents
✅ Always keep a copy of your worker’s passport and SPIKPA policy details.
✅ Save or bookmark this page — use it if hospitalization happens after office hours.
✅ After discharge, request the medical report immediately.
✅ Ensure all receipts and bills are original and stamped by the hospital.
✅ Submit to your insurer’s claims department or authorized SPIKPA agent for faster processing.
Need Help?
We’re here to assist you.
📱 WhatsApp: 011 5621 6906
💻 Buy SPIKPA IG with ITR (for FWCMS): tr.ee/einsurans
🏢 eInsurans Malaysia — Simplifying foreign worker insurance & SPIKPA claims since 2018.
Frequently Asked Questions (SPIKPA Malaysia)
Q1: What is FWHS/SPIKPA insurance in Malaysia?
SPIKPA (Skim Perlindungan Insurans Kesihatan Pekerja Asing) is a compulsory hospital insurance for foreign workers in Malaysia, covering inpatient treatment at government hospitals.
Q2: How do I claim FWHS/SPIKPA insurance?
Show the worker’s passport at a government hospital in Malaysia. The hospital verifies SPIKPA coverage. If a deposit is paid, submit all original receipts and a medical report for reimbursement.
Q3: Can I claim FWHS/SPIKPA from a private hospital?
No. SPIKPA is valid only for non-corporatized government hospitals in Malaysia. However, if a patient is instructed or advised by the attended doctor at the government hospital to transfer to a private hospital, then yes. Please refer Can I claim if worker is asked to transfer to private hospital.
Q4: How long does FWHS/SPIKPA claim processing take?
Usually claim takes 7–14 working days, depending on document completeness and insurer processing.
Q5: Who can help me with FWHS/SPIKPA claims?
You can contact eInsurans via WhatsApp (011 5621 6906) for assistance.
Pro Tip: Add this SPIKPA claim guide to your HR onboarding pack or share it with your recruitment agency. It helps everyone know what to do before emergencies happen.
© 2025 eInsurans Malaysia — Making foreign worker insurance simple, secure, and stress-free.
Updated on: 17/11/2025
Thank you!