Comprehensive Protection
Safeguard Your Workforce and Personal Needs with SPIKPA & IG
SPIKPA (Skim Insurans Pekerja Asing) is your ultimate solution for protecting foreign workers under your care. With tailored insurance coverage that meets regulatory requirements, we ensure peace of mind for employers and employees alike.
Your Workforce's Best Shield
SPIKPA is an insurance scheme designed to provide essential medical and accident coverage for foreign workers, ensuring compliance with Malaysian labor laws while prioritizing their welfare.
Affordable Protection
Cost-effective insurance for foreign workers.
Comprehensive Coverage
Includes hospitalisation, medical care, and accident benefits.
Easy Compliance
Fully aligned with government requirements.
The Right Partner for Workforce Security
Choosing our SPIKPA service means working with a reliable partner that values your business and your workers’ wellbeing.
Hassle-Free Process
Simplified enrollment and management to save your time.
Trusted Expertise
Years of experience in foreign worker insurance.
24/7 Support
Always ready to assist you when needed.
Simple Steps to Seamless Coverage
Getting SPIKPA coverage for your workers is quick and straightforward.
1.
Register
Provide worker details through our secure online portal.
2.
Select Plan
Choose the coverage that suits your business needs.
3.
Make Payment
Convenient online payment methods.
4.
Receive Confirmation
Policy documents delivered instantly to your inbox.
Employers hiring foreign workers are required to obtain an Insurance Guarantee (IG), the Foreign Worker Hospitalization and Surgical Insurance Scheme (SPIKPA), and PERKESO Policies.
Starting from January 1, 2011, the government has made it mandatory for all employers to obtain SPIKPA for their foreign workers. Without the SPIKPA & IG insurance for foreign workers, employers will not be able to renew their foreign workers’ work permits.
Documents required for applying for foreign workers’ work permits include:
Starting from January 1, 2011, the government has made it mandatory for all employers to obtain SPIKPA for their foreign workers. Without the SPIKPA & IG insurance for foreign workers, employers will not be able to renew their foreign workers’ work permits.
Documents required for applying for foreign workers’ work permits include:
- Insurance Guarantee / IG
- SPIKPA
- PERKESO Policy (ensure that employers have PERKESO coverage for their workers)
The Insurance Guarantee (IG) serves as a guarantee to the Immigration Department to cover repatriation expenses if a foreign worker is required by the authorities to be sent back to their home country while in Malaysia. The coverage period set by the Immigration Department depends on the work permit, whether it is thirteen (13) months, eighteen (18) months, or twenty-six (26) months. Employers must purchase a new guarantee when renewing their workers’ permits.
Schedule of Benefits
| Plan Essential | Plan Supreme | Plan Elite | Plan Ultimate |
| Monthly (RM) | 20 | 45 | 85 |
| Accidental Death | 50,000 | 200,000 | 500,000 |
| TPD | 50,000 | 200,000 | 500,000 |
| Additional Accidental Death in Public Transport / Grab or e-Hailing / Residential Fire | 50,000 | 200,000 | 500,000 |
| Accident-related Medical Treatment | 5,000 | 6,500 | 10,000 |
| Weekly Income Benefit (up to 52 weeks) | 50 per week | 120 per week | 250 per week |
| Hospital Allowance Due to Accident (per day) | 90 | 90 | 180 |
Secure Your Workforce Today!
Don’t wait until it’s too late—protect your business and employees now with SPIKPA. Click below to get started and enjoy peace of mind!