> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.einsuransmy.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Which insurer can i purchase insurance using ITR?

## Which Insurance Companies Support FWCMS ITR Purchases in Malaysia?

Currently, **FWCMS ITR (Insurance Transaction Reference)** purchases for **SPIKPA IG insurance** are supported **only by selected insurers** that have completed system integration with the FWCMS platform.

### Insurance Companies That Currently Support FWCMS ITR

As of now, employers in **Malaysia** can purchase SPIKPA IG using FWCMS ITR through the following insurance providers:

* **Tokio Marine**
* **Lonpac Insurance**
* **Generali Insurance**

These insurers are fully integrated with FWCMS and allow **direct, compliant insurance purchases** using the generated ITR number.

---

## Why Are Only Certain Insurers Available?

Other insurance companies are currently undergoing **system upgrades and FWCMS system integration**.

Once completed, these insurers will be enabled to support **ITR-based insurance transactions** in the next integration phase.

✔️ **If you need to proceed immediately**  
Please select any of the currently available insurers listed on the **eInsurans platform**.

⏳ **If your preferred insurer is not listed**  
Additional insurance companies will be made available once the integration process is completed.

---

## Are Prices and Benefits the Same Across All Insurers?

Yes.  
For **SPIKPA IG insurance purchased using FWCMS ITR**, the following applies:

* **Insurance pricing is standardised**
* **Coverage and benefits are identical**
* The **only difference is the insurer’s name**

All supported insurers comply with **Malaysia Immigration (JIM)** and **FWCMS requirements**, allowing employers to choose any available insurer with confidence.

---

## 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)