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Business Insurance

What is this product about?

Foreign Worker Hospitalization & Surgical Insurance Scheme (SKHPPA) is a yearly renewable hospital and surgical insurance scheme designed to reduce the financial burden of the employer of foreign workers in the event of hospital admission of their foreign workers to a Non-Corporatised Malaysian Government Hospital due to an accident or illness.

Who is eligible?

Eligible persons for insurance under this policy are those present and future full-time foreign worker employees of policyholder, from the age of eighteen (18) to sixty (60), who are actively engaged at their usual work on the date the persons are eligible to join this policy.

What are the covers/benefits provided?

This plan provides the following benefits on a reimbursement basis with the total benefits payable subjected to the annual limit stated below:

Item Benefits Amount (RM)
1(a) Daily Hospital Room & Board (Maximum up to 30 days) As charged in accordance to charges 
consistent with third (3rd) Class Room 
& Board to a maximum of RM160 per 
day, in a Non-Corporatised Malaysian 
Government Hospital in conformance to 
the charges specified under Fees Act 
1951, Fees (Medical) Order 1982.
1(b) Intensive Care Unit (Maximum up to 15 days)
2 Hospital Supplies & Services
3 Operating Theatre
4 Surgical fees (Excluding organ transplantation)
5 Anesthetist Fees
6 In-Hospital Physician Visits (Maximum up to 30 days)
7 In-Hospital Specialist Consultation Visits (Maximum up to 30 days)
8 Ambulance Fees / Medical Report Fees
Maximum Overall Annual Limit (Item 1-8) per Insured Person RM20,000.00 
  • Additional RM10 Stamp Duty is payable for each policy
  • All benefits payable for any number of disabilities in any one given Period of Insurance is subject to the Overall Annual Limit of RM20,000 per Insured Worker.

Note: 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.

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).

How much premium do I have to pay?

The annual premium is RM129.60 (inclusive of Service Tax) per worker per annum and coverage will take effect upon registration with premium duly paid.

Where can I get further information?

Should you require additional information about this insurance, please contact us at:

MSIG Insurance (Malaysia) Bhd

Registration No 197901002705 (46983-W)
Customer Service Centre Level 15, Menara Hap Seng 2, Plaza Hap Seng 
No. 1, Jalan P. Ramlee, 50250 Kuala Lumpur 
Telephone (603) 2050 8228 
Fax (603) 2026 8086 
Customer Service Hotline 1-800-88-MSIG (6744) 
Email myMSIG@my.msig-asia.com

Is the SKHPPA a compulsory scheme?

Yes, it is.

Can the premium be deducted from the foreign worker’s salary?

Yes, the Employer can advance the payment for the required premium and then subsequently deduct the same from the foreign worker’s salary. Deduction of salary from the foreign worker is subject to approval from the Ministry of Human Resources.

Is a medical check-up required?

No, as long as the foreign workers are legally working in Malaysia and have passed the medical examination administered by Fomema Sdn. Bhd. (FOMEMA).

Are there any restrictions to hospital admission?

Yes, admission is restricted to a non-corporatised Malaysian Government Hospital only.
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