• FWHS/SPIKPA Product Coverage

  Foreign Worker Hospitalisation and Surgical Scheme (FWHS) is a hospital and surgical scheme for hospital admission of foreign workers to Non-Corporatised Malaysian Government Hospital due to accident or sickness Period of cover: 12 months Important Note: Bills related emergency department, outpatient clinics and General Practitioner (GP) are not covered under this FWHS/SPIKPA Scheme.Some readers

• What is the difference between SKHPPA and SPIKPA.

  SKHPPA is hospital and surgical insurance scheme. SPIKPA is the certification slip issued by KKM confirming employer has purchased SKHPPA. You can buy SPIKPA IG with ITR (for FWCMS) here: https://tr.ee/einsurans For further enquiries, kindly contact eInsurans Helpline ( Whatsapp 011 562 16906)Few readers

• IG Coverage

  Insurance Guarantee is required by the Malaysian Immigration Department from employers as security deposit. Its covers repatriation expenses in the event where worker is required by the authorities to be sent back to his/her country origin during his stay in Malaysia. Amount of Guarantee is according to the worker’s nationality Subject to minimum premium of RM50 per IG issued Period of cover: 18 months You can buy SPIKPA IG with ITR (for FWCMS) here: https://tr.ee/einsurans (httFew readers

• What is not cover under SPIKPA

  SPIKPA covers hospitalization and surgical due to accident and illness admission at government hospital. SPIKPA will not pay: ·       Emergency Outpatient ·       Death ·       Accident due to fight, unlawful or criminal activities  ·       Total Permanent Disability (TPD) * Please refer to the policy contract for the full list of exclusions. For TPD, Worker can claim from SOCSO under Employment Injury Scheme for accident that occur to and fro workplace. You can buy SPIKPA IG with ITR (fFew readers