Please refer to the Premium Schedule (for Malaysian residents) in this brochure. Cost depends on age, level of cover and the Usual Country of Residence. Different terms may apply to non-Malaysians residing in Malaysia.

Anyone accepted by the Company who is not more than 55 years old and not less than 15 days old at the date of first enrolment. An unmarried child below 18 years old 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.

Healthcare International Insurance provides worldwide cover subject to the Local Treatment provisions stated in the Policy.

If adequate treatment is available locally in Malaysia but you choose to be treated elsewhere, then covered treatment costs will be met only up to the customary cost of treatment in Malaysia and subject to transportation costs being excluded.

If adequate treatment is not available locally in Malaysia prior arrangements can often be made through the Company or the Emergency Assistance Centre for appropriate treatment to be received elsewhere.

No benefits shall be payable if an insured person resides or travels outside Malaysia for more than 90 consecutive days.

Yes, for hospital in-patient treatment and emergency evacuation charges provided the Company or the 24-hour Emergency Assistance Centre is contacted in advance with all relevant information. Payment Guarantee is not applicable to Reimbursement option except for Emergency Medical Evacuation.

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.

Yes, but there may be premium loading for hazardous occupations or for those regularly visiting or living in remote locations.

The decision, including method and destination, rests solely with the coordinating doctors at the 24-hour Emergency Assistance Centre. Decisions are made strictly on medical grounds by experienced medical assistance personnel with the absolute minimum of delay. War zones and the like are excluded.

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 the medical expenses payable under your insurance policy is RM6,000 and you have selected RM2,500 deductible, you will bear RM2,500 and MSIG will pay the balance of RM3,500.

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.

There is a “cooling off period” of 15 days given to the Insured Person to review suitability of the newly purchased Hospital and Surgical (HSI) Product. 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.

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.

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.