Please refer to the Premium Schedule (for Malaysian residents) in this brochure. Premium depends on the age on your next birthday and level of cover.

Different terms will apply for:

1. Non-Malaysian residing in Malaysia;
2. Those who engage in hazardous occupations or sports;
3. Those who visit or live in remote locations;
4. Those with existing medical conditions.

Any person aged between 15 days and 65 years next birthday is eligible to enrol. Renewal is up to the maximum age of 90 years next birthday.
A child aged between 15 days and 18 years next birthday who is unmarried and financially dependent on the Policyholder or up to 22 years next birthday if still undergoing full-time education and who is not gainfully employed can be insured with his or her parent as the policyholder.

Pre-Existing Illnesses shall mean disabilities that the Insured Person has reasonable knowledge of prior to the effective date of insurance. 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 reside or travel outside Malaysia for more than 90 consecutive days. 

Yes. However, it is subject to the customary cost of treatment in Malaysia and subject to transportation costs being excluded. 

Overall Annual Limit Booster is an optional benefit where you can increase the overall annual limit of your medical insurance policy by paying extra premium.

Of course, you can include or change the percentage limit for Overall Annual Limit Booster during renewal subject to underwriting assessment.

Yes. During the first 30 days of your policy commencement date, the Policy excludes medical treatment, but there is no waiting period if you are hospitalised due to an accident. 

One of the disadvantages is that if your current health status is less favourable to the new insurer, you may be imposed with new terms, exclusions or loading. You will also have to go through the standard  waiting period before you can make any claim. 

A medical report is required if you have a medical history and at your own expense.

You may cancel your policy by giving us a written notice.

A Free Look Period of 15 days from the policy delivery date is given to you to review the suitable of your policy coverage. If you return your policy to us during this period, your policy will be cancelled from the beginning and any premium paid will be refunded to you after deducting any medical examination or administrative fee incurred.

If your policy is returned to us after the Free Look Period, you are entitled to a premium refund based on the unexpired paid period provided that you have not made a claim on your policy.

Just contact any MSIG branch or your insurance adviser as soon as possible. Further details on claims procedures are contained within the Policy document. 

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

Just contact any MSIG branch or your insurance adviser to update your contact details. It is important that you inform us of any change in your contact details as soon as possible to ensure that all correspondences reach you in a timely manner. 

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 BNMLINK of Bank Negara Malaysia or the Financial Markets Ombudsman Service  (FMOS)  (formerly known as Ombudsman for Financial Services (OFS)), free of charge.