Foreign Worker Hospitalization & Surgical Insurance (SKHPPA)
Covers your foreign workers' medical expenses due to accidents or illnesses.
A yearly renewable hospital and surgical insurance designed to reduce the financial burden of the employer of foreign workers in the event of hospital admission to a Non-Corporatised Malaysian Government Hospital due to an accident or illness.
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It covers hospitalization 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 :
| ITEM | BENEFITS | AMOUNT (RM) AMOUNT (RM) |
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| 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 RM160 per day, in a Non-Corporatised Malaysian Government Hospital in comformance to the charges specified under Perintah Fi (Perubatan)(Kos Perkhidmatan ) 2014. As charged - in accordance to charges consistent with third (3rd) Class Room & Board to a maximum of RM160 per day, in a Non-Corporatised Malaysian Government Hospital in comformance to the charges specified under Perintah Fi (Perubatan)(Kos Perkhidmatan ) 2014. As charged - in accordance to charges consistent with third (3rd) Class Room & Board to a maximum of RM160 per day, in a Non-Corporatised Malaysian Government Hospital in comformance to the charges specified under Perintah Fi (Perubatan)(Kos Perkhidmatan ) 2014. As charged - in accordance to charges consistent with third (3rd) Class Room & Board to a maximum of RM160 per day, in a Non-Corporatised Malaysian Government Hospital in comformance to the charges specified under Perintah Fi (Perubatan)(Kos Perkhidmatan ) 2014. |
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| 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 | Anesthetist 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) |
RM20,000.00 | ||||
| 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 RM20,000.00 per Insured Person.
The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Insurance Malaysia's website or PIDM's website.