Articles on: ITR FAQ
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Where do I obtain FWCMS ITR number to purchase insurance SPIKPA IG on eInsurans?

You buy SPIKPA and the Insurance Guarantee (IG) together, using the ITR that FWCMS emails you. It takes a few minutes, and FWCMS updates by itself after you pay.


What is an ITR?


The ITR (Insurance Transaction Reference) is a number FWCMS creates for each application. It links the insurance to the worker's permit application, so FWCMS sees your purchase without any slip or upload. For a FWCMS application, you can only buy with an ITR.


  • FWCMS creates the ITR only after the application is registered and submitted. Not registered yet? Do that first.
  • The ITR is emailed only to the email address registered in FWCMS. If that address is wrong, the email will not reach you.
  • The ITR is valid for 14 days.


Step 1: Generate the ITR in FWCMS


  1. Log in to FWCMS and open the application: ePLKS for a renewal, or eVDR for a new worker. At the insurance step, click Generate ITR No.



  1. Read the notice and click I Understand.



  1. Choose option 3, Self Insurance Purchase, and click Proceed. This is the option that lets you buy directly on eInsurans.



Choosing "Need assistance to purchase insurance" instead locks the ITR, and you then wait for FWCMS to contact you. To buy on eInsurans, always choose Self Insurance Purchase.


  1. Confirm and click Proceed.



  1. FWCMS emails you the ITR: one for SPIKPA and one for IG.



Step 2: Enter the ITR on eInsurans


  1. Go to tr.ee/einsurans and choose the insurer. We recommend Tokio Marine; Generali is the alternative.
  2. Enter the ITR for SPIKPA, the ITR for IG and your SSM number, exactly as FWCMS has it (old or new format). Enter the TIN if asked.
  3. Your employer and worker details fill in by themselves.



Step 3: Check the dates and pay


  1. Set the Period of Cover start date: the day after the permit expires (permit expires 30/06/2026 → cover starts 01/07/2026), or today if it has already expired. More: How to key in Worker Permit Expiry and Period of Cover
  2. Choose the Immigration State that matches your business address.



  1. Click Next, then Payment, and pay by card, FPX Personal or FPX B2B. More: Payment with FPX Corporate B2B



After you pay


Your policies are emailed, and you get an email titled "Insurance Purchase Successful". FWCMS changes to "Insurance Purchased" (or "Pending JIM Approval") by itself, usually within 10 minutes to a few hours, and the permit renewal carries on.



More: If I buy today, when and where can I get my policies?


Good to know


  1. The ITR is valid for 14 days. After that it cannot be used, even if FWCMS still shows "ITR Generated". Ask FWCMS to abort the application, then generate a new ITR.
  2. Which insurers: the insurers shown in colour on eInsurans accept FWCMS ITRs today: Tokio Marine, Generali and Lonpac. SPIKPA has the same benefits and premium with every insurer, because the Ministry of Health sets the scheme, so the choice comes down to service. We recommend Tokio Marine: a leading insurer for foreign worker insurance, with the servicing our customers rely on after they buy.
  3. You can buy after 6pm. The purchase works at any time. Our team answers on WhatsApp 9am–6pm, Monday to Sunday.
  4. New workers (calling visa): the ITR comes from the eVDR application. Buy within 14 days, or FWCMS cancels the application. On eInsurans, calling-visa ITRs are accepted by Generali. Prefer Tokio Marine? WhatsApp us and we arrange the policy for you.
  5. Clicking "Print Quotation" clears what you entered, so you would need to enter the ITR, SSM number, period of cover and Immigration State again.


Video walkthrough



English and Bahasa Melayu videos: eInsurans SPIKPA IG Tutorial Videos


Still stuck? Talk to a real person.


eInsurans — Your Foreign Worker Insurance One-Stop Centre



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Updated on: 13/10/2026

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