WHAT DOES THE SKHPPA COVER?
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.
IS THE SKHPPA A COMPULSORY SCHEME?
YES, all foreign workers employed in Semenanjung Malaysia (West Malaysia) that
requires PAS LAWATAN KERJA SEMENTARA (PLKS) must be covered with SKHPPA from
01/01/2011. The Labour Department allows you to advance the payment for the required
premiums and then subsequently deduct same from your workers' salaries.
Alternatively, you may also choose to bear the full cost of the required
MY FOREIGN WORKERS ARE INSURED UNDER THE FOREIGN WORKERS COMPENSATION SCHEME (FWCS),
DO THEY NEED TO BE REGISTERED UNDER SKHPPA?
YES. The maximum claimable amount for hospitalization and medical expenses under the
FWCS is only RM750.00. The SKHPPA will cover an amount in Excess to that claimable
under the FWCS but subject to a maximum annual limit of RM10,000.00 per worker.
CAN THE PREMIUM BE DEDUCTED FROM THE FOREIGN WORKERS SALARY?
Yes, the Employer can advance the payment for the required premium and then
subsequently deduct the same from the foreign worker's wages as approved by the
Labour Department of Malaysia.
HOW MUCH IS THE PREMIUM AND WHEN WILL COVERAGE TAKE EFFECT?
The Annual Premium is RM120.00 per worker per annum and coverage will take effect
upon registration with premium duly paid.
IS MEDICAL CHECK-UP REQUIRED?
Not necessary as long as the foreign workers are legally working in Malaysia.
ANY RESTRICTION TO HOSPITAL ADMISSION?
YES, admission to a Non-corporatised Malaysian Government Hospital only
and in accordance to charges consistent with Third (3rd) Class Room
& Board to a maximum of RM60.00 per day in conformance to the
charges specified under Fees Act 1951, Fees (Medical) Order 1982..