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What is not covered 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. |

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Updated on: 12/10/2026

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