All women between 15 and 54 years of age at the date of first enrolment. Cover may be extended up to the maximum age of 60 if you are enrolled in the Plan before age of 54 and have remained continuously covered thereafter, up to the maximum age of 60. Different terms may apply for non-residents of Malaysia.

Critical Illness is being detected in younger women more and more frequently. With the correct treatment, it is often curable. That means you would need all the financial help you can get. Furthermore, the younger you are, the lower your premium.

• There is no waiting period for Critical Illness caused by an accident.
• For the others, your cover will commence after a waiting period of 30 days.
• For Maternity Risks and Congenital Anomalies of New Born Babies, the waiting period is 10 months.

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, you don’t, unless if you have a medical history.

 “Survival Period” is the length of time you must survive after you are diagnosed as having a specified critical illness to be able to make a claim.

• The survival period for critical illness is 14 days after diagnosis.
• The survival period for Congenital Anomalies of New Born Babies is 30 days, except for Neonatal death where the death has to be within 30 days after birth.

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

There is a “Cooling-Off Period” of 15 days given to the policy owner to review the suitability of the newly purchased Medical & Health Insurance Product. If the Policy is returned to the insurer during this period, the full premiums would be refunded to the policy owner minus any medical expenses incurred. After the “Cooling-Off 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.

Please provide a written notice to the Company with full details within 7 days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG Branch or your insurance adviser to obtain a copy of the claim form. Submit the completed claim form here to the Company together with all relevant documents as soon as possible.

Just complete the attached 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.

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.