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# 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)

![](https://storage.crisp.chat/users/helpdesk/website/-/8/f/e/e/8fee56e3f4257000/claims-kit-einsurans-min_6lzlfu.png =600x851)

1. Admitted to **Government hospital** → Show passport → Hospital verifies passport in SPIKPA system  
2. If deposit paid → Keep receipts  
3. Collect medical report + bills  
4. Submit all documents → Claim durations takes 7–14 working days  
5. 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:

1. **Present the worker’s passport** at the admission counter.  
2. The hospital will **verify SPIKPA insurance Malaysia** validity through their system.  
3. 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 »](https://spikpa.moh.gov.my/Home/SenaraiHos.aspx)

## 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** | [Download the SPIKPA claim form here »](https://drive.google.com/drive/u/2/folders/1WrFpgR2rGP5Ka8PJrI9j5iwWZ1xkeBd4) |
| **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](https://hkl.moh.gov.my/en/public/medical-report).  
* 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](https://www.perkeso.gov.my/en/our-services/protection/foreign-worker.html) 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.

## Buy SPIKPA IG Insurance Online (Malaysia)

You can buy **SPIKPA IG with ITR (for FWCMS)** here:  
👉 **https://tr.ee/einsurans**

📞 For further enquiries, contact **eInsurans Helpline**:  
👉 [WhatsApp 011 562 16906](https://wa.me/601156216906)


## 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.](https://help.einsuransmy.com/en/article/can-i-claim-if-worker-is-asked-to-transfer-to-private-hospital-1j877s3/)

**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.


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