What is not cover under SPIKPA

SPIKPA covers hospitalization and surgical due to accident and illness admission at government hospital.

SPIKPA will not pay:

·       Emergency Outpatient

·       Death

·       Accident due to fight, unlawful or criminal activities 

·       Total Permanent Disability (TPD) *

Please refer to the policy contract for the full list of exclusions.

• For TPD, Worker can claim from SOCSO under Employment Injury Scheme for accident that occur to and fro workplace.

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

For further enquiries, kindly contact eInsurans Helpline ( Whatsapp 011 562 16906)

Updated on: 28/10/2025