Kemalangan Diri Mini
Perlindungan kemalangan asas yang menyediakan sokongan kewangan untuk hilang upaya atau kematian akibat kemalangan.
Important notice
Anda dinasihatkan untuk ambil perhatian skala manfaat untuk kematian dan kehilangan upaya dalam polisi insurans anda. Di mana berkenaan, anda mesti mencalonkan penama dan memastikan penama anda mengetahui polisi kemalangan diri yang telah anda beli. Anda harus membaca dan memahami polisi insurans dan berbincang dengan penasihat insurans anda atau menghubungi syarikat insurans secara terus untuk mendapatkan maklumat lanjut.
MSIG Insurance (Malaysia) Bhd adalah ahli PIDM. Manfaat-manfaat yang dibayar di bawah produk yang layak adalah dilindungi oleh PIDM sehingga had perlindungan. Sila rujuk Brosur Sistem Perlindungan Manfaat Takaful dan Insurans PIDM atau hubungi MSIG Insurance (Malaysia) Bhd atau PIDM (layari www.pidm.gov.my).
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Manfaat-manfaat
Kematian dan/atau Hilang Upaya Kekal Akibat Kemalangan
Manfaat ini menyediakan bantuan kewangan sekiranya berlaku kematian akibat kemalangan atau hilang upaya kekal yang disebabkan oleh kemalangan. Jumlah pembayaran berbeza-beza bergantung pada pelan yang telah dipilih.
Elaun Perkabungan
Manfaat ini memberikan elaun tetap kepada penerima yang telah ditetapkan oleh Orang yang Diinsuranskan apabila berlaku kematian. Jumlah pembayaran elaun adalah sama bagi semua pelan, RM500.
Elaun Bantuan Banjir
Kami akan membayar jumlah diinsuranskan yang dinyatakan dalam jadual jika anda mengalami kerugian atau kerosakan kandungan isi rumah akibat banjir ke rumah, tidak termasuk kerugian atau kerosakan yang disebabkan oleh penenggelaman dan gelinciran tanah.
Pendapatan Hospital Harian, Sehari sehingga 45 Hari Setahun
Kami akan membayar elaun tunai harian yang dinyatakan dalam jadual bagi setiap hari anda dimasukkan ke hospital untuk rawatan kecederaan akibat kemalangan, Demam Denggi, Malaria, Chikungunya, Ensefalitis Jepun (JE) atau Virus Zika.
Perlindungan
Baca helaian pendedahan produk dan terma dan syarat am sebelum mengambil insurans ini. Lihat muat turun
- Accidental Death and/or Permanent Disablement
- Bereavement Allowance
- Flood Relief Allowance
- Daily Hospital Income, per day up to 45 days per year
Nota: Tempoh perlindungan adalah selama 1 tahun. Ia boleh diperbaharui pada setiap ulang tahun tarikh permulaan polisi dengan pembayaran premium yang ditentukan oleh Syarikat pada masa pembaharuan.
- War and related risks
- Ionisation, radiation or contamination by radioactivity
- Suicide, self-inflicted injury, unlawful act or wilful exposure to peril (other than in an attempt to save a human life)
- AIDS or AIDS-related complex (ARC)
- Pregnancy, childbirth, physical or mental defect or infirmity
- Air travel except as a passenger in a fully licensed passenger carrying aircraft
- The effect or influence (temporary or otherwise) of drugs, unless the drug is taken in accordance with an authorised medical prescription (but not for the treatment of drug addiction)
Nota: Senarai ini tidak lengkap. Sila rujuk kontrak polisi untuk senarai penuh pengecualian di bawah polisi ini.
Perlindungan Tenang
MSIG membantu melindungi anda dan orang yang penting bagi anda. Kami memahami keperluan untuk mendapatkan bantuan kewangan apabila berlakunya ketidakupayaan atau kematian akibat kemalangan.
Mudah Diperoleh
- Pembelian di cawangan MSIG tanpa janji temu atau melalui Penasihat Insurans MSIG
- Atau pembelian dalam talian di MSIG Online
- Laporan perubatan tidak diperlukan
Mampu Dimiliki
- Tiada bayaran pendahuluan
- Premium RM75 untuk pembelian E1
- Pengeculian duti setem2
Mudah
- Pembayaran sekali gus
- Pembayaran tuntutan dalam masa 5 hari bekerja3
1 Rebat sebanyak 25% ke atas premium kasar akan diberikan melalui pembelian di cawangan MSIG tanpa janji temu dan pembelian dalam talian.
2 Tempoh pengecualian sehingga 31/12/2025.
3 Pembayaran tertakluk kepada penyerahan dokumen yang lengkap.
Untuk maklumat lanjut mengenai MSIG Mini PA, sila hubungi Penasihat Insurans MSIG anda atau Rakan Perlindungan Tenang kami, TNG Digital Sdn Bhd (melalui aplikasi TNG eWallet).
Pelan
Plan A
Starting from RM24.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
25,000
Bereavement allowance
500
Flood relief allowance
1,000
Daily hospital income
Not available
Plan B
Starting from RM31.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
35,000
Bereavement allowance
500
Flood relief allowance
1,200
Daily hospital income
Not available
Plan C
Starting from RM38.00/year
Benefits
Max RM
Accidental death and/or permanent disablement
45,000
Bereavement allowance
500
Flood relief allowance
1,200
Daily hospital income
Not available
Plan D
Starting from RM50 /yr
Benefits
Max RM
Accidental death and/or permanent disablement
50,000
Bereavement allowance
500
Flood relief allowance
1,200
Daily Hospital Income
75 per day up to 45 days per year
Plan E
Starting from RM70 /yr
Benefits
Max RM
Accidental death and/or permanent disablement
70,000
Bereavement allowance
500
Flood relief allowance
1,500
Daily Hospital Income
120 per day up to 45 days per year
*Anda boleh mempertimbangkan Pelan D atau Pelan E jika anda ingin menggunakan Baucar Perlindungan Tenang (PTV) anda untuk membeli insurans ini. Sila ambil maklum bahawa anda dikehendaki membayar sebarang jumlah yang melebihi nilai baucar.
Soalan Lazim
All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia between 16 to 65 years of age at the date of first enrolment may apply and renew up to the maximum age of 100 years.
Yes, you will be paid on top of your other personal accident policies in the event of an Accidental Death or Permanent Disablement.
You may cancel the policy at any time by notifying us in writing via email or letter. We will refund a proportionate part of the premium for the remaining period, provided no claims have been made under the policy. However, if you wish to cancel the policy within the 15 days free-look period, we shall refund the entire premium you initially paid.
The Company may cancel the policy by sending 7 days’ notice by recorded delivery or registered letter to your last known address. The proportionate part of the premium for the remaining period will be refunded to you, provided no claims have been made under the policy.
Please provide a written notice to us with full details upon receiving notice of or sustaining any injury arising from an accident that may give rise to a claim. You may contact any MSIG 24-Hour Customer Service Hotline, any MSIG Branch or your Insurance Adviser for claim purposes. Submit the completed claim form to us together with the following documents either by mail, email or walk in to our office as soon as possible:
Permanent Disablement
• Medical Report from A Medical Specialist
Fatal Case
• Copy of Death Certificate
• Copy of Post-Mortem Report
• Letter of Administration/Grant of Probate if there is no nomination
Flood Relief Allowance
• Copy of Police Report, if any
• Photographs of the scene of flood and damages to your premise
Daily Hospital Income
• Medical report by the attending doctor
• Hospital discharge note stating the duration of hospitalisation
Muat turun
Mini PA Brochure and PDS (EN, BM)
Mini PA Proposal Form
Nominations
Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay. Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.
*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.
You can nominate any individual(s) you want. HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use. Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s). Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.
How so?
Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.
To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).
Trust policy will be created:
(a) if the nominee is your spouse or child; or
(b) if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).
In such as case, you are creating a non-trust policy. Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws. If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.
In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use. Please contact MSIG if you require more information on this.
Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.
Sedia dilindungi?
Coverage you might need
Individual PA
24/7 worldwide plan covering daily expenses and additional bills incurred after an accident.
ABC PA
Simple and affordable plan with 24-hour worldwide coverage to protect your financial security in the event of an accident.
Gig PA
24/7 global accident plan compensating for accidental disability or death, including daily hospital allowance.
Weekly Indemnity
Provides a weekly payment during loss of income due to physical injuries from an accident.