{"id":1204,"date":"2023-02-19T14:58:26","date_gmt":"2023-02-19T06:58:26","guid":{"rendered":"http:\/\/www.takaful-malaysia.com.my\/products\/foreign-workers-takaful-guarantee-copy\/"},"modified":"2024-11-20T11:50:37","modified_gmt":"2024-11-20T03:50:37","slug":"foreign-workers-hospitalisation-surgical-scheme-skhppa","status":"publish","type":"products","link":"https:\/\/www.takaful-malaysia.com.my\/en\/products\/foreign-workers-hospitalisation-surgical-scheme-skhppa\/","title":{"rendered":"Foreign Workers Hospitalisation & Surgical Scheme (SKHPPA)"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":41099,"template":"","categories":[98],"tags":[],"class_list":["post-1204","products","type-products","status-publish","has-post-thumbnail","hentry","category-employee"],"acf":{"hero":{"background_image":41095,"mobile_background_image":41097,"heading":"Foreign Workers Hospitalisation & Surgical Scheme (SKHPPA)","copy":"To reduce the financial burden due to the hospitalization cost of the foreign workers","button":{"toggle":"Yes","button_text":"Visit our nearest branch","button_link":"https:\/\/www.takaful-malaysia.com.my\/en\/contact-us\/","button_id":""},"copy_2":"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.\u200b\u200b"},"see_more_highlights":"","see_less_highlights":"","coverage_highlights":{"title":"Key Benefits","1st_highlight":{"toggle":"Yes","image":40044,"highlight_title1":"Annual limit of up to RM20,000","copy":""},"2nd_highlight":{"toggle":"Yes","image":40036,"highlight_title2":"Room & Board of up to RM160","copy":""},"3rd_highlight":{"toggle":"Yes","image":40115,"highlight_title3":"Cover ICU for up to 15 days","copy":""}},"coverage_highlights2":{"toggle":"No","highlight":null},"eligibility":{"toggle":"Yes","eligibility_img":41101,"title":"Eligibility","copy":"","checkmarks":[{"checkmark_text":"The present and future full-time foreign worker employees of the certificate owner"},{"checkmark_text":"From the age of eighteen (18) to sixty (60) years, who are actively engaged in their usual work"},{"checkmark_text":"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."},{"checkmark_text":"Coverage period: 1 year"}],"notes":""},"roadside_assistance_program":{"toggle":"No","heading":"","programs":null,"link":"","toggle_more_about_this_program_button":"No","more_about_this_program_button_text":"","title":"","copy":""},"how_to_apply":{"title":"How to Apply","copy":"","btn_text":"Visit our nearest branch","btn_text2":"","link":"https:\/\/www.takaful-malaysia.com.my\/en\/contact-us\/","link2":"","button_id":"","2nd_button_id":""},"faq":{"title":"Frequently Asked Questions (FAQ)","question":[{"question_title":"Is the SKHPPA a compulsory scheme?","question_content":"Yes"},{"question_title":"Can I cover my domestic maid under this scheme?","question_content":"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."},{"question_title":"Can employer deducts the contribution from the foreign workers salary?","question_content":"Yes. The employer can advance the payment for the required contribution and then subsequently deduct the same from the foreign worker\u2019s salary"},{"question_title":"How much is the contribution and when will coverage take effect?","question_content":"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."},{"question_title":"Is a medical check-up required?","question_content":"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)"},{"question_title":"Is this scheme protected under PIDM?","question_content":"The benefit(s) payable under this scheme is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM\u2019s Takaful and Insurance Benefits Protection <\/span>System (<\/span>TIPS)<\/span><\/a> Brochure or contact Takaful Malaysia or PIDM (visit www.pidm.gov.my\/en<\/span><\/a>)."}]},"custreview":{"toggle":"No","title":"","":null,"review":[{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""},{"testimony_name":"","testimony_position":"","testimony_content":"","testimony_img":""}]},"documents_section":{"toggle":"Yes","title":"Document Download","":null,"docs_repeater":[{"file_name":"Product Disclosure Sheet","file":376118},{"file_name":"Proposal Form","file":376271},{"file_name":"Product Brochure","file":378572}],"docs_repeater3":null,"docs_repeater2":null,"docs_repeater_bm":[{"file_name":"Helaian Penerangan Produk","file":376118},{"file_name":"Borang Cadangan","file":""},{"file_name":"Brosur Produk","file":378572}],"docs_repeater3_bm":null,"docs_repeater2_bm":null}},"_links":{"self":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1204","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products"}],"about":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/types\/products"}],"author":[{"embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/users\/5"}],"version-history":[{"count":16,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1204\/revisions"}],"predecessor-version":[{"id":397257,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/products\/1204\/revisions\/397257"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/media\/41099"}],"wp:attachment":[{"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/media?parent=1204"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/categories?post=1204"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.takaful-malaysia.com.my\/en\/wp-json\/wp\/v2\/tags?post=1204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}