Articles on: ITR FAQ
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Which insurers can I buy from with an 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 FWCMS.


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
We recommend Tokio Marine. Generali is the alternative. Both are listed on eInsurans.


⏳ 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, so the cover is the same whichever you choose. Our recommendation is Tokio Marine.



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Updated on: 12/10/2026

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