Given the increasing Hospital and Surgical charges, this scheme will help the employer reduce the financial burden in the event of hospital admission of their foreign workers to a non-corporatized Malaysian Government Hospital due to an accident or illness.
Annual limit of up to RM20,000
Room & Board of up to RM160
Cover ICU for up to 15 days
The present and future full-time foreign worker employees of the certificate owner
From the age of eighteen (18) to sixty (60) years, who are actively engaged in their usual work
SKHPPA excludes Domestic Workers. Domestic workers are house maids, personal drivers, gardener, personal bodyguard, house guards, cooks, nurses, caretakers, valet or anyone who is employed in the work or in connection with work of a private dwelling house.
Coverage period: 1 year
Yes
No. This scheme does not cover domestic workers i.e. house maids, personal drivers, gardener, personal bodyguard, house guards, cooks, nurses, caretakers, valet or anyone who is employed in the work or in connection with work of a private dwelling house.
Yes. The employer can advance the payment for the required contribution and then subsequently deduct the same from the foreign worker’s salary
The annual contribution is RM120 per foreign worker per annum and coverage will take effect upon registration with the contribution duly paid. The annual contribution is subjected to a 8% Service Tax.
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)
The benefit(s) payable under this scheme is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Takaful Malaysia or PIDM (visit www.pidm.gov.my/en).
