Q:    WHAT DOES THE SKHPPA COVER?

A:    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.

Q:    IS THE SKHPPA A COMPULSORY SCHEME?

A:    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 premiums yourself.

Q:    MY FOREIGN WORKERS ARE INSURED UNDER THE FOREIGN WORKERS COMPENSATION SCHEME (FWCS), DO THEY NEED TO BE REGISTERED UNDER SKHPPA?

A:    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.

Q:    CAN THE PREMIUM BE DEDUCTED FROM THE FOREIGN WORKERS SALARY?

A:    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.

Q:    HOW MUCH IS THE PREMIUM AND WHEN WILL COVERAGE TAKE EFFECT?

A:    The Annual Premium is RM120.00 per worker per annum and coverage will take effect upon registration with premium duly paid.

Q:    IS MEDICAL CHECK-UP REQUIRED?

A:    Not necessary as long as the foreign workers are legally working in Malaysia.

Q:    ANY RESTRICTION TO HOSPITAL ADMISSION?

A:    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..