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# FWHS/SPIKPA Product Coverage

## What Is the Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA / SPIKPA)?

The **Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA / SPIKPA)** is a **mandatory insurance scheme in Malaysia** that provides **hospitalisation and surgical coverage** for foreign workers.

This insurance applies when a foreign worker is **admitted to a non-corporatised Malaysian government hospital (KKM)** due to:
* **Accident**, or  
* **Illness**

SKHPPA / SPIKPA is required as part of the **foreign worker permit (ePLKS) renewal process** and is recognised by the **Immigration Department of Malaysia (JIM)**.

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## Coverage Period

* **12 months coverage** per policy period

The coverage period must align with the worker’s **permit validity** and is typically purchased during **permit renewal via FWCMS**.

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## What Does SKHPPA / SPIKPA Cover?

SKHPPA / SPIKPA provides **in-patient medical coverage** at eligible Malaysian government hospitals, including:

* **Daily Hospital Room & Board**  
  *(subject to policy limits and maximum number of days)*  
* **Intensive Care Unit (ICU) charges**  
* **Hospital supplies and services**  
* **Operating theatre charges**  
* **Surgical fees**  
  *(excluding organ transplants)*  
* **Anaesthetist fees**  
* **In-hospital medical specialist visits**  
* **In-hospital consultation fees**  
* **Ambulance fees** *(where applicable under the scheme)*  

> The benefits under SKHPPA / SPIKPA are **standardised** and comply with **KKM and JIM requirements**.

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## SKHPPA / SPIKPA Benefits Overview (Reference)

![](https://storage.crisp.chat/users/helpdesk/website/-/8/f/e/e/8fee56e3f4257000/image_3v6cbg.png)

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## Important Exclusions to Take Note

> **Important Notice**

Claims **cannot be made** under SKHPPA / SPIKPA for treatment at:
* **Emergency Departments**
* **Outpatient Clinics**
* **Semi-Government Hospitals**
* **Private Hospitals or Clinics**

Coverage applies **only to eligible admissions at non-corporatised Malaysian government hospitals (KKM)**.

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## Why Is SKHPPA / SPIKPA Important for Employers?

SKHPPA / SPIKPA:
* Is **mandatory for foreign worker permit renewal**
* Ensures foreign workers receive **basic hospital and surgical protection**
* Allows **automatic permit renewal processing** when purchased using **FWCMS ITR**
* Helps reduce employer exposure to **government hospitalisation costs**

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## 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)