Q1. What does the SKHPPA cover?
A1. It covers hospitalisation & 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.
Q2. Is the SKHPPA a compulsory scheme?
Q3. My foreign workers are insured under the Foreign Workers Compensation Scheme (FWCS), do they need to be insured under SKHPPA?
A3. Yes. The SKHPPA and the FWCS are two different schemes and both are compulsory.
Q4. Can the premium be deducted from the foreign workers salary?
A4. Yes, the employer can advance the payment for the required premium and then subsequently deduct the same from the foreign worker´s salary.
Q5. How much is the premium and when will coverage take effect?
A5. The annual premium is RM120.00 per worker per annum and coverage will take effect upon registration with premium duly paid.The premium amount is inclusive of Goods and Services tax at 6%
Q6. Is medical check-up required?
A6. Not necessary as long as the foreign workers are legally working in Malaysia and have passed the medical examination administered by Fomema Sdn. Bhd. (FOMEMA).
Q7. Any restriction to hospital admission?
A7. Yes, admission to Non-Corporatised Malaysian Government Hospital only.