Any Malaysian and Permanent Resident residing in Malaysia who is between 18 and 59 years of age at the date of first enrolment. Cover may be renewed up to the maximum age of 80.

Cancer can affect anyone from all walks of life and it is being detected in younger generations more and more frequently. With early diagnosis and proper treatment, it is often curable. This Product could take care of your financial needs during the challenging time. 

Pre-existing illnesses shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

• The Insured Person had received or is receiving treatment;
• Medical advice, diagnosis, care or treatment has been recommended;
• Clear and distinct symptoms are or were evident; or
• Its existence would have been apparent to a reasonable person in the circumstances.

Specified Illnesses shall mean the following disabilities and its related complications, occurring within the first 120 days of Insurance of the Insured Person:

• Hypertension, Diabetes Mellitus, and Cardiovascular diseases
• All tumours, cysts, nodules, polyps, stones of the urinary system and biliary system
• All ear, nose (including sinuses), and throat conditions
• Hernias, haemorrhoids, fistulae, hydrocele, varicocele
• Endometriosis including disease of the Reproduction system
• Vertebro-spinal disorders (including disc) and knee conditions.

No benefits shall be payable if you are living outside the Usual Country of Residence as defined in the policy for more than 3 consecutive months in any 12-month period, except for the permanent change in Usual Country of Residence notified and accepted in writing by the Company.

1. For early stage cancer, your cover will commence after a waiting period of 60 days.
2. For critical stage cancer or hospitalisation occuring as a result of an illness or accident, your cover will commence after a waiting period of 30 days.

If you switch to another insurer and your current health status is less favourable to the new insurer, you may be imposed with new terms and exclusions and have to go through the standard waiting period before you can make any claim.

No, you do not unless you have a medical history for which we may ask for your latest medical records.

A product with a survival period may only pay your claim if you can survive the stated period after being diagnosed, subject to the terms and conditions of the product. The survival period for a covered cancer is 14 days after diagnosis.

This is an annual renewable policy and premium will be adjusted when the Insured Person enters a higher age band.

Just complete the proposal form here and send it to us, or your Insurance Adviser.

There is a “Cooling-off Period” of 15 days given to the policy owner to review the suitability of the newly purchased MSIG Cancer Care 365 Insurance. If the Policy is returned to the insurer during this period, the full premium will be refunded to the policy owner minus any administrative expenses incurred. 

After the “Cooling-off Period”, you may cancel the cover at any time by giving written notice to the Company. Premium will be refunded to the policy owner in accordance with the short period scale provided there is no claim made during the period of insurance.

Please provide written notice to the Company with full details within 30 days upon the diagnosis of an illness or injury. You can find a copy of the claims form here, or you may contact any MSIG Branch or your Insurance Adviser to obtain a copy of the claim form. Submit the completed claim form to the Company together with all relevant documents as soon as possible.

If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.

If you are still not satisfied with the decision, you can write either to the Customer Services Bureau of Bank Negara Malaysia or the Financial Markets Ombudsman Service (FMOS) (formerly known as Ombudsman for Financial Services (OFS)), free of charge.