Foreign Workers Hospitalisation & Surgical (FWHS/SKHPPA) – Product Disclosure Sheet (ENG)
Foreign Workers Hospitalisation & Surgical (FWHS/SKHPPA) – Product Disclosure Sheet (BM)
Foreign Workers Hospitalization & Surgical (FWHS/SKHPPA)
Zurich is in the panel of insurers approved by the Ministry of Health to provide the new Skim Kemasukan Hospital & Pembedahan Pekerja Asing (SKHPPA) or also known as Foreign Worker Hospitalization & Surgical Insurance (FWHS) which was made mandatory with effect from 01 January 2011.
This scheme provides foreign workers a cashless admission into a Non-Corporatised Malaysian Government Hospital. The hospitalization and surgical benefits is as charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM60.00 per day in conformance to charges specified under Fees Act 1951, Fees (Medical) Order 1982 up to a maximum overall annual limit of RM10,000.00 against accidental injuries and illnesses. The cashless admission will be administered by a Third party Claims Administrator (TPCA) approved by the Ministry of Health.
The annual premium inclusive of TPCA fees is RM120.00 per worker and it is sold on a Cash-Before-Cover basis as mandated by the Ministry of Health.
Scope of Cover
It covers hospitalisation and surgical charges incurred by the foreign worker in the event of hospital admission to a non-corporatized Malaysian Government Hospital due to an Accident or Illness. The description of coverage as illustrated below :
TABLE OF BENEFITS (ANY ONE DISABILITY)
||Daily Hospital & Room Board (Maximum up to 30 days)
||As charged in accordance to charges consistent with Third (3rd) Class Room & Board to a maximum of RM60.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fees (Medical) Order 1982
||Intensive Care Unit (ICU) (Maximum up to 15 days)
||Hospital Supplies and Services
||Surgical fees (Excluding Organ Transplantation)
||In-Hospital Physician Visits (Maximum up to 30 days)
||In-Hospital Specialist Consultation Visits (Maximum up to 30 days)
||Ambulance Fees / Medical Report Fees
Maximum Overall Annual Limit
(Items 1 to 8)
ANNUAL PREMIUM : RM120.00 per Insured Person
All benefits payable for any number of disabilities in any one given period of Insurance is subject to the Overall Annual Limit of RM10,000.00 per Insured Person.
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