All Malaysians and their spouse between 18 to 60 years of age.

Yes, you will be paid on top of your other medical insurance policies in the event of hospitalisation for a covered disability.

Yes. This Policy excludes hospitalisation due to sickness/disease/illness including Specified Infectious Diseases during the first 30 days of your policy commencement date. There is no waiting period if you are hospitalised due to an accident. However, policy coverage is subject to policy exclusion such as Pre-existing illnesses, Specified Illnesses etc.

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.

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 the permanent change in Usual Country of Residence notified and accepted in writing by the Company.

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.

You may have to undergo further medical examination required by us at our expense.

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

There is a “Free Look Period” of 15 days given to the Insured Person to review the suitability of the newly purchased MSIG EZ Hospital Income Insurance. If the policy is returned to the Company during this period, the full premium will be refunded to the Insured Person minus the administrative expenses incurred by the Company, if any.

After the “Free Look Period”, you may cancel the cover at any time by giving written notice to the Company. However, the Company shall retain a premium in accordance with the short period scale. In the event of a claim, the Company reserves the right to retain 100% of the annual premium.

There is a “Free Look Period” of 15 days given to the policy owner to review the suitability of the newly purchased MSIG EZ Plus Hospital Income Insurance. If the policy is returned to the insurer during this period, the full premium will be refunded to the policy owner. 

After the “Free Look 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 current period of insurance.

You can submit your claim notification:

1. online; or
2. by providing us with written notice together with the completed claim form and all relevant documents either by mail, email or walk in to our office within 30 days of a disability or hospitalisation which may give rise to a claim.

You may download a copy of the claim form here or contact any MSIG Branch to obtain the claim form.

If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.

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

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.