All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia between 18 to 75 years of age at the date of first enrolment may apply and renew up to the maximum age of 100 years.

Coma shall mean a profound state of unconsciousness for at least 1 year which resulted directly and independently from all other causes from a covered accident. Coma does not mean any state of unconsciousness intentionally induced during the course of treatment of a covered injury.

Third Degree Burns is defined herein as the full thickness of skin destruction of at least 27% of the total body surface area.

The Double Indemnity Benefit is payable for Accidental Death or Permanent Disablement due to total paralysis of all limbs in an accident while you and/or your family members are travelling in any mode of conveyance during nationwide Malaysian Public Holidays as gazetted by the Malaysian government only. E.g. National Day or Labour Day.

Yes, you will be paid on top of your other personal accident policies in the event of an Accidental Death or Permanent Disablement.

You may cancel the cover at any time by notifying us in writing. Any refund of premium is based on the pro-rata on the unexpired period of cover and subject to the Company retaining a minimum premium of RM50.00 and the prevailing Service Tax and whether any claims have been made. The Company may cancel this cover or any Section by sending 7 days’ notice by recorded delivery letter or registered letter to your last known address and the refund of premium will depend on how long the cover has been in force and whether any claims have been made.

Please provide a written notice to the Company with full details upon receiving notice of or sustaining any injury arising from an accident that may give rise to a claim. 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.