Foreign Worker Hospitalisation and Surgical Scheme (FWHS/SPIKPA)
What is the Foreign Worker Hospitalisation And Surgical Scheme
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.
Medical Coverage for Foreign Workers
The FWHS scheme provides essential hospital and surgical care for foreign workers when needed.
Hospital Room & Board
Covers accommodation and meals during inpatient stays in Malaysian government hospitals.
Intensive Care Unit (ICU) Coverage
Provides care in intensive care units when medically necessary.
Hospital Supplies & Services
Includes nursing care, prescribed medications, diagnostic tests, and other essential hospital services.
Surgical Charges
Covers the costs associated with medically necessary surgeries performed during hospitalisation.
Physician and Specialist Care
Ambulance & Medical Report Fees
How FWHS Can Help
See how FWHS ensures the well-being of your workers while protecting your company.
Ensure Regulatory Compliance
Helps employers comply with Malaysian regulations for foreign worker medical coverage, while reducing the risk of fines or legal issues.
Provide Timely Medical Care
Ensures workers have access to necessary hospitalisation and surgical care so they receive timely and appropriate treatment.
Protect Employee Health and Well-being
Focuses on safeguarding workers’ physical health, preventing illness, and promoting overall well-being.
Boost Workforce Productivity
Supports a healthy and capable workforce, helping employees stay efficient, focused, and consistently perform at their best.
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Frequently
Asked Questions (FAQs)
Is the Foreign Worker Hospitalisation and Surgical Scheme mandatory for all foreign workers in Malaysia?
Which industries or types of employers are required to provide this insurance?
What types of medical treatments and procedures are covered under this scheme?
Can the Foreign Worker Hospitalisation and Surgical Scheme be purchased with eInsurans?
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).
Are pre-existing conditions or chronic illnesses covered for foreign workers?
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.
Is healthcare free for foreign workers in Malaysia?
What should employers do if a worker needs hospitalisation or surgery?
