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My workers’ permit expiry is different. Can I buy SPIKPA/IG for them together?

Yes. One FWCMS ITR can include workers whose permits expire on different dates. When the dates are mixed, the cover starts from the earliest expiry date: the day after it, or today's date if that permit has already expired.

For your next renewal, we recommend separating workers by permit expiry date when you make the FWCMS application, so each group's cover follows its own permit. Unsure? WhatsApp us on 011-5621 6906 and our team will check it with you.

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: 12/10/2026

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