• FWHS/SPIKPA Product Coverage

  Every foreign worker in the formal sectors needs SPIKPA and the Insurance Guarantee (IG), bought together with your FWCMS ITR. SPIKPA (FWHS / SKHPPA): hospital and surgical cover SPIKPA is the compulsory Foreign Worker Hospitalisation and Surgical Insurance Scheme, required for the PLKS renewal and recognised by the Immigration Department (JIM). It covers a worker admitted to a non-corporatised Malaysian government hospital (KKM) because of an accident or illness. 1Popular

• IG Coverage

  The Insurance Guarantee (IG) is a mandatory security bond required by the Immigration Department of Malaysia for all employers hiring foreign workers. It serves as a security deposit to protect employers and ensure the safe repatriation of foreign workers to their home countries when necessary. Coverage Period (IG) - 18 Months Purpose of the Insurance Guarantee (IG) The IG functions as a financial guarantee to cover related costs if a foreign worker: Violates anySome readers

• What is the difference between SKHPPA and SPIKPA.

  Difference Between SKHPPA and SPIKPA in Malaysia Description SKHPPA SPIKPA Meaning Foreign Worker Hospitalisation and Surgical Insurance Scheme Foreign Worker Health Insurance Protection Scheme Type An insurance policy purchased by employers for hospitalisation and surgical coverage. An official confirmation slip issued by the Ministry of Health Malaysia (MOH). Function | Covers **hospitalisation and surgical expenSome readers

• 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,Few readers