FWHS/SPIKPA - Claims Submission
Everything you need to know about claiming your Foreign Worker Hospitalisation & Surgical Scheme (SPIKPA): clear, simple and fast to follow.
Quick Summary (for emergencies)
- Admitted to a government hospital → show the passport → the hospital checks SPIKPA in its system
- Deposit paid → keep every receipt
- Collect the medical report and the bills
- Send all documents to us as soon as the worker is discharged, within 30 days
- Claims are usually settled within 7–14 working days
💡 Tip: Save this page or share it with your HR/admin team for quick access during emergencies.
1. At the hospital: cashless admission
- Take the worker to a non-corporatised government hospital and show the passport at admission.
- The hospital checks SPIKPA in its system and bills the insurer's provider directly.
- The hospital may ask for a deposit, depending on the condition or procedure. Keep every receipt; you can claim it back.
Which hospitals are eligible?
- Any non-corporatised Malaysian government hospital.
- Not eligible: private hospitals and clinics, and semi-government hospitals (PPUM/UMMC, UKM, UiTM).
- A private hospital bill is not paid by SPIKPA, even if the worker is transferred there from a government hospital.
📄 View the list of eligible government hospitals in Malaysia »
2. If you paid a deposit or the bill: send us
✅ Required Document | 📋 Description |
|---|---|
Completed Claim Form | WhatsApp us on 011-5621 6906 and we will send you the form |
Worker's Passport & Work Permit | Clear copies |
Medical Report | A certified copy from the hospital (details below) |
Original Medical Bill / Receipt | Stamped by the hospital, showing the hospital name and payment details |
When: send it to us as soon as the worker is discharged, and within 30 days, even if the medical report is not ready yet.
How long: usually 7–14 working days after the insurer has every document. The insurer may also ask for the company's SSM certificate or a director's passport copy for anti-money-laundering checks. ⚠️ Incomplete documents may delay the claim.
Claim status: insurers do not send status updates, so WhatsApp us and our team checks for you.
3. How to Request a Medical Report
- Ask the attending doctor or the medical records unit on discharge.
- Each hospital has its own request form. For Hospital Kuala Lumpur, download it from its official website.
- Reports can take 4–8 weeks, so ask early.
4. What FWHS / SPIKPA Does NOT Cover
❌ Not Covered | Remarks |
|---|---|
Outpatient and emergency-department treatment | Only inpatient (admission) is covered |
Private and semi-government hospitals | Not covered, including after a transfer |
Death | Not included |
Injuries from fights, unlawful or criminal acts | Excluded |
Total Permanent Disability (TPD) | Claim under the PERKESO Employment Injury Scheme instead |
For the full list of exclusions, please refer to your SPIKPA policy contract.
5. Tips for employers and HR teams
✅ Always keep a copy of your worker's passport and SPIKPA policy details.
✅ Save or bookmark this page, so your team knows what to do after office hours.
✅ After discharge, request the medical report immediately.
✅ Keep all receipts and bills original and stamped by the hospital.
✅ Send the documents to eInsurans by WhatsApp or email. Our team submits them to the insurer and follows the claim through with you.
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, send us the claim form, the original receipts and the medical report.
Q3: Can I claim FWHS/SPIKPA from a private hospital?
No. SPIKPA covers admission at non-corporatised government hospitals in Malaysia only. A private hospital bill is not paid by SPIKPA, even if the worker transfers there from a government hospital.
Q4: How long does FWHS/SPIKPA claim processing take?
Usually 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.
Still stuck? Talk to a real person.
eInsurans — Your Foreign Worker Insurance One-Stop Centre
- WhatsApp 011-5621 6906: 9am–6pm, Monday to Sunday. Real people answer.
- Email hello@einsuransmy.com
- Buy SPIKPA IG with your FWCMS ITR: tr.ee/einsurans
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Updated on: 21/10/2026
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