The Foreign Worker Hospitalisation and Surgical Scheme is a government-mandated insurance program designed to protect foreign workers in Malaysia from the cost of hospitalisation and surgical treatment.
This scheme ensures that employers provide adequate medical coverage for their workers in compliance with Malaysian regulations, thereby helping to safeguard employee health and prevent financial burden in the event of illness or injury.
The FWHS scheme provides essential hospital and surgical care for foreign workers when needed.
Covers accommodation and meals during inpatient stays in Malaysian government hospitals.
Provides care in intensive care units when medically necessary.
Includes nursing care, prescribed medications, diagnostic tests, and other essential hospital services.
Covers the costs associated with medically necessary surgeries performed during hospitalisation.
See how FWHS ensures the well-being of your workers while protecting your company.
Helps employers comply with Malaysian regulations for foreign worker medical coverage, while reducing the risk of fines or legal issues.
Ensures workers have access to necessary hospitalisation and surgical care so they receive timely and appropriate treatment.
Focuses on safeguarding workers’ physical health, preventing illness, and promoting overall well-being.
Supports a healthy and capable workforce, helping employees stay efficient, focused, and consistently perform at their best.
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Yes. Employers can obtain the Foreign Worker Hospitalisation and Surgical Scheme (FWHS) by purchasing SPIKPA IG via eInsurans, which covers necessary hospital and surgical care as well as the Foreign Worker Insurance Guarantee (FWIG).
Coverage for pre-existing conditions or chronic illnesses is usually limited or excluded, depending on the insurer’s policy. Employers should review the terms carefully before purchasing the insurance.
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