Foreign Worker Hospitalization and Surgical Insurance Scheme (SKHPPA)

This Foreign Workers Hospitalization and Surgical Insurance Scheme (FWHS) or better known as SKHPPA is specially designed in view of increasing Hospital and Surgical charges and to reduce financial burden of the Employers of foreign workers in the event of hospital admission of their foreign workers due to accident or illness. Coverage is required before work permit is issued by Immigration Department for both new and renewal applications.

 Schedule of Benefits:

FAQ:
Q1 What does the SKHPPA cover?
A It covers hospitalization & surgical charges incurred by the foreign worker in the event of hospital admission to a Non-Corporatised Malaysian Government Hospital due to an Accident or Illness

Q2 Is the SKHPPA a compulsory scheme?
A Yes

Q3 My foreign workers are insured under the FOREIGN WORKERS COMPENSATION SCHEME (FWCS), do they need to be insured under SKHPPA?
A Yes. The SKHPPA and the FWCS are two different schemes and both are compulsory.

Q4 Can the premium deducted from the foreign workers salary?
A Yes, the employer can advance the payment for the required premium and then subsequently deduct the same from the foreign worker's salary.

Q5 How much is the premium and when will cocverage take effect?
A The annual premium is RM 120.00 per worker per annum and coverage will take effect upon registration with premium duly paid.

Q6 Is medical check-up required?
A Not necessary as long as the foreign workers are legally working in  Malaysia and have passed the medical examination administrated by Fomema Sdn. Bhd. (FOMEMA)

Q7 Any restriction to hospital admission?
A Yes, admission to Non-Corporatised Malaysian Government Hospital only.