FWHS/SPIKPA Product Coverage

Every foreign worker in the formal sectors needs SPIKPA and the Insurance Guarantee (IG), bought together with your FWCMS ITR.

SPIKPA (FWHS / SKHPPA): hospital and surgical cover

SPIKPA is the compulsory Foreign Worker Hospitalisation and Surgical Insurance Scheme, required for the PLKS renewal and recognised by the Immigration Department (JIM). It covers a worker admitted to a non-corporatised Malaysian government hospital (KKM) because of an accident or illness.

1. Cover period: 12 months per policy.
2. Annual limit: up to RM20,000 per worker, not a limit per admission. Room and board up to RM160 a day for up to 30 days; ICU up to 15 days; hospital supplies and services, surgery (excluding organ transplants), operating theatre, anaesthetist and in-hospital doctors' visits as charged.
3. Premium: RM120 a year per worker, set by the Ministry of Health, plus 8% SST and stamp duty. The benefits and premium are the same with every insurer.

What SPIKPA does not cover

• Outpatient care, and emergency-department visits without admission
• Private hospitals and clinics, and semi-government hospitals (including after a transfer)
• Pregnancy and childbirth
• Death, and injuries from fights or illegal acts
• Total permanent disability (claim under PERKESO's employment injury scheme instead)
• Pre-existing illness, waived if the worker passed FOMEMA within 30 days of arrival

SKHPPA or SPIKPA? Both names refer to the same scheme: SKHPPA is the insurance policy; SPIKPA is the scheme and the Ministry of Health's confirmation slip.

How to claim: FWHS/SPIKPA - Claims Submission

Insurance Guarantee (FWIG / IG): the security bond

1. Replaces the cash security deposit Immigration requires for each worker. Cover period: 18 months.
2. Pays Immigration, up to the guarantee sum, if the worker has to be sent home: for example after absconding, overstaying, breaking immigration law, or when the employer does not pay for the return ticket. The employer then repays the insurer.
3. Premium: 1.5% of the guarantee sum, minimum RM50 per policy. The guarantee sums by nationality are in How to key in Worker Permit Expiry and Period of Cover.

Price both in one go with Quick Quote.

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: 13/10/2026