The Hospitalisation and Surgical Scheme for Foreign Workers / Skim Perlindungan Insurans Kesihatan Pekerja Asing (SPIKPA) is a mandatory medical coverage for all foreign workers, effective 1 January 2011. Enforced by the Ministry of Health, all foreign workers are required to take up this compulsory scheme with a premium of RM120 and a total coverage of RM10,000.
This scheme is compulsory for:
foreign plantation workers (only in Sabah) – premium to be paid by the employers.
foreign workers in other sectors – premium can either be paid by the employers or the workers. In the event that the employer decides to pay in advance on behalf of the employees, permission from Director General, Labor Department Peninsular Malaysia is required for salary deduction purpose.
This scheme is optional for domestic foreign maids and foreign plantation workers (in other states). However, it is highly encouraged for them to take up this scheme to enjoy the medical benefits.