Foreign Worker
Insurance (SPIKPA IG)

Secure your foreign workers with SPIKPA IG for compliance and peace of mind.

What is SPIKPA IG and
Why It Matters

SPIKPA IG is a mandatory insurance for foreign workers in Malaysia that employers can purchase through the eInsurans online platform. It is designed to protect both employers and employees.

The insurance covers mandatory hospitalisation and surgical treatments for accidents or illnesses, ensuring foreign workers receive proper care when they fall ill or get injured. Beyond healthcare, the insurance guarantee helps employers comply with Malaysian regulations set by the Immigration Department.

Comprehensive Coverage
for Foreign Workers

With SPIKPA IG, foreign workers are covered for necessary hospital and surgical care at panel government hospitals.

Coverage

Daily Hospital Room & Board

Covers accommodation and meals for in-patient stays in Malaysian Government hospitals for up to 30 days.

Intensive Care Unit (ICU) Coverage

Provides medically necessary ICU care for up to 15 days per hospital admission.

Hospital Supplies & Services

Reimburses nursing care, prescribed medications, lab tests, x-rays, physiotherapy, and other essential hospital services.

Surgical Operating Theatre Charges

Covers operating room fees for medically necessary surgeries performed during hospital stays.
Surgical Fees

Reimburses fees for surgeries performed by qualified specialists during hospitalisation.

Anaesthesia for Surgery

Covers the cost of anaesthesia administered by certified anaesthetists during surgical procedures.

General Physician Visits

Covers daily visits by physicians for medically necessary care during non-surgical hospital stays, up to 30 days.

Specialist Consultation Visits

Reimburses consultations by qualified medical specialists recommended by a physician while admitted, up to 30 days.

Ambulance & Medical Report Fees

Covers domestic ambulance services to and from hospitals and the cost of medical reports needed for claims processing.

Exclusions Under SPIKPA IG

These are cases where SPIKPA IG will not provide coverage.

Not Covered

Emergency Outpatient Treatment

Outpatient treatments for emergencies are not covered. Workers must be admitted as inpatients for such cases.

Death

Death benefits are excluded. Employers may consider life or personal accident insurance policies for additional protection.

Injuries from Fights & Illegal Acts

Any injuries sustained while engaging in fights, illegal activities, or criminal acts are excluded from coverage.

Total Permanent Disability (TPD)

TPD is not covered. Employers can purchase separate insurance to protect workers in case of long-term disability.
For full details, please refer to the policy wording.

Choose from Trusted Insurers

Select SPIKPA policies from top insurers in Malaysia and secure coverage quickly online.

Buy SPIKPA Insurance in Minutes

STEP 1
Generate Your ITR Number
Visit the FWCMS platform and select “Offline – Self Insurance Purchase” to generate your ITR number.
STEP 2
Visit eInsurans and Key in ITR No.
Go to our payment portal, enter your ITR and SSM numbers, and the system will auto-populate the form with your information.
STEP 3
Make Payment
After payment is made, the system will auto-update FWCMS status to "Insurance Purchased".

Get your free eInsurans guide today and make informed insurance decisions.

Frequently
Asked Questions (FAQs)

What is SPIKPA IG and who needs it?

SPIKPA IG is a mandatory medical insurance policy for foreign workers in Malaysia. Employers are required to purchase it for every foreign worker as part of work permit compliance.
A valid SPIKPA policy is necessary for foreign workers to undergo FOMEMA medical check-ups, which are required for permit approval and renewal.
No, SPIKPA primarily covers treatment in Malaysian government hospitals. Treatments at non-government or semi-government hospitals are not eligible for SPIKPA claims.

eInsurans provides foreign worker insurance (SPIKPA) from a range of leading insurers in Malaysia, including Tokio Marine, Generali, Lonpac Insurance, Zurich, RHB Insurance, Etiqa, and more. This allows employers to compare policies and choose the provider that best fits their needs.

You can purchase SPIKPA IG through eInsurans’s digital platform, with instant processing and automatic updates to FWCMS.

Do you have more questions?
Reach out to our team anytime, and we’ll guide you through your insurance needs.
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