Please refer to the Premium Schedule (for Malaysian residents) in this brochure. Premium depends on present age (year of birth) 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.

Anyone accepted by the Company aged between 15 days and 59 years at first enrolment. Cover may be granted beyond age 59, provided the Insured Person is enrolled in the Plan before that age and has remained continuously covered thereafter, up to the maximum age of 80.

A child aged from 15 days and up to 18 years who is unmarried and financially dependent on the Policyholder or up to 23 years if still undergoing full-time education and who is not gainfully employed can only be insured along with at least one parent.

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 reside or travel outside Malaysia for more than 90 consecutive days. However, this shall not apply to you if you are in Singapore for the purpose of seeking medical treatment subject to you having paid additional premium for Optional Coverage for Treatment in Singapore.

Yes. However, it is subject to the customary cost of treatment in Malaysia and subject to transportation costs being excluded. For treatment in Singapore*, reimbursement of charges incurred for Medically Necessary Treatment for a covered Disability will be based on the official exchange rate ruling on the last day of the Hospitalisation subject to terms and conditions of the Policy.
*Only applicable when you have paid additional premium for Optional Coverage for Treatment in Singapore.

Yes, this extension requires you to pay additional premium. The additional premium to be paid is in addition to the basic premium that is applicable to you based on the Plan you have chosen.

Yes, as long as the treatment sought is covered as per terms and conditions of the Policy.

Of course, but it may be subjected to certain terms and conditions that may be applicable.

You have an option to choose a deductible in return for a reduction of insurance premium. A deductible is the amount that you are willing to bear. For example, if you have a medical bill of RM6,000 and you have selected RM2,500 deductible, you will bear RM2,500 and MSIG will pay the balance of RM3,500. The deductible is in aggregate and is applicable to eligible medical benefits in Sections 1 and 2 only. You may select different levels of deductible for each Insured Person.

Yes, the deductible will apply be it whether cost of treatment is incurred in Malaysia or Singapore.

If you opted for the optional critical illness cover, we will provide you with a lump sum payment if you are diagnosed as having a specified critical illness and survive for more than 14 days after diagnosis. The MSIG FlexiHealth Insurance will pay in addition to any other critical illness policies you may have.

Yes. During the first 30 days of membership, the Policy excludes medical treatment, but there is no waiting period if you are hospitalised due to an accident. For Maternity Benefit, the waiting period is 365 days.

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 and exclusions. You will also have to go through the standard waiting period before you can make any claim.

Premiums can be paid by monthly instalments 6 months or 12 months or annually using  your credit card (Visa or MasterCard for selected banks). Annual premium can also be paid via cheque or cash.

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

This policy may be cancelled by the Policyholder at any time by giving a written notice to the Company.
There is a “Cooling-Off Period” of 15 days given to the Insured Person to review the suitability of the newly purchased MSIG FlexiHealth Insurance. If the Policy is returned to the insurer during this period, the full premiums would be refunded to the Insured Person minus the medical expenses incurred, if any.
If the Policy is returned to the Insurer after the “Cooling-Off Period”, you are entitled to a premium refund based on the unexpired paid period provided that you have not made a claim on the 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 Proposal Form here and send it to us.

It is important that you inform us of any change in your contact details 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 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.