What is Foreign Worker Hospitalisation & Surgical Insurance Scheme insurance? (SKHPPA)

It is a compulsory scheme requested by Ministry of Health to cover your foreign workers’ hospital charges.

  • All benefits payable for any number of disabilities are paid up to the Overall Annual Limit of RM20,000.00
  • The actual premium is RM120.00 per worker per annum
    (Premium is subject to RM10 Stamp Duty, and 6% Service Tax for Corporate policy)
  • Admission to Non-Corporatized Malaysian Government Hospitals only

Key coverage

Here is an overview of your coverage.

Hospitalization & Surgical Benefits

Hospitalization & Surgical Benefits

  1. (a) Daily Hospital Room & Board (Up to a maximum of 30 days)
    (b) Intensive Care Unit (Up to a maximum of 15 days)
  2. Hospital Supplies & Services
  3. Operating Theatre
  4. Surgical Fees
  5. Anesthetist Fees
  6. In-Hospital Physician Visits (Up to a maximum of 30 days)
  7. In-Hospital Specialist Consultation Visits (Up to a maximum of 30 days)
  8. Ambulance Fees/Medical Report Fees

Maximum Overall Annual Limit (Item 1-8) per Insured Person: RM20,000

(All above as charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fees (Medical) Order 1982.)

The description on the available cover is only a brief summary for quick and easy reference. The precise terms and conditions that apply are stated in the policy contract.

How much is my premium?

Your annual premium is RM120.00 per foreign worker insured, inclusive of RM15 Third Party Claims Administrator fee.
(Premium is subject to RM10 Stamp Duty, and 6% Service Tax for Corporate policy)

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What we don’t cover

  • Plastic/Cosmetic surgery
  • Dental treatment or oral surgery
  • Treatment or surgical operation for congenital abnormalities or deformities
  • Pregnancy or miscarriage
  • Treatment which is not Medically Necessary
  • Suicide or self-inflicted injury while sane or insane
  • Accidental injuries or illnesses arising from racing or hazardous sports
  • Cardiovascular diseases and all cancers occurring within the first one hundred and twenty (120) days of Insurance of the Insured Person
  • Pre-existing conditions, unless the Insured Person passes the medical examination as confirmed by FOMEMA Sdn Bhd (FOMEMA) within 30 days from the Insured Person's arrival to Malaysia
The list above is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.
Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 1st September 2018.

The duration of cover is for one year. You need to renew your cover annually.

Cover ceases from the time the foreign worker leaves Malaysia and resumes upon his/her return to Malaysia.

You are to truthfully, correctly and completely answer all questions in the proposal form and disclose fully and faithfully all the facts which you know or reasonably in the circumstances could be expected to know to be relevant to our decision on whether to accept the risk or not and the rate and terms to be applied, otherwise the Policy issued may be void.

It is important that you read and understand the Terms, Conditions and Exclusions of the policy.