• 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)

    ITEM BENEFITS AMOUNT (RM)
    1(a) 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
    1(b) Intensive Care Unit (ICU) (Maximum up to 15 days)
    2 Hospital Supplies and Services
    3 Operating Theatre
    4 Surgical fees (Excluding Organ Transplantation)
    5 Anaesthetist Fees
    6 In-Hospital Physician Visits (Maximum up to 30 days)
    7 In-Hospital Specialist Consultation Visits (Maximum up to 30 days)
    8 Ambulance Fees / Medical Report Fees

    Maximum Overall Annual Limit
    (Items 1 to 8)

    RM10,000.00

    ANNUAL PREMIUM : RM120.00 per Insured Person

    IMPORTANT NOTE

    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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