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# What is not cover under SPIKPA

# What Does SPIKPA Insurance Cover?

The **SPIKPA (Foreign Worker Hospitalisation and Surgical Insurance Scheme)** provides protection for **foreign workers** in Malaysia for **hospitalisation and surgical treatment** resulting from **accidents or illnesses** at **Malaysian government hospitals**.

## What Is Not Covered by SPIKPA?

SPIKPA **does not provide coverage or payment for** the following situations:
* **Emergency Outpatient Treatment**
* **Death**
* **Injuries resulting from fights**, **illegal activities**, or **criminal acts**
* **Total Permanent Disability (TPD)**

For the full list of exclusions, please refer to the **SPIKPA policy contract**.

| **TPD Claim Advisory:** In cases of **Total Permanent Disability (TPD)**, workers may file a claim under **SOCSO (PERKESO)** through the **Employment Injury Scheme**, provided the accident occurred **at work or while travelling to/from work**. |

## 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)