All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia between 16 to 65 years of age at the date of first enrolment may apply and renew up to the maximum age of 100 years.

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 policy at any time by notifying us in writing via email or letter. There will be no refund for the premium paid. However, if you wish to cancel the policy within the 15-day free-look period, we shall refund the entire premium you initially paid.

The Company may cancel the policy by sending 7 days’ notice by recorded delivery letter or registered letter to your last known address. The refund of premium is based on pro-rate basis and subject to our retaining the minimum premium and the prevailing Service Tax. The return of premium will depend on how long the cover has been in force and provided no claim has been made during the current period of insurance.

You can submit your claim notification:

• Online; or
• by providing us with written notice together with the completed claim form and all relevant documents as per the Documents Checklist either by mail, email or walk in to our office upon receiving notice of or sustaining any injury arising from an accident that may give rise to a claim.

Documents Checklist

• For Permanent Disablement Case
  • Medical Report from A Medical Specialist

• For Fatal Case
  • Copy of Death Certificate
  • Copy of Post-Mortem Report
  • Letter of Administration/ Grant of Probate if there is no nomination

You may download a copy of the claim form here or contact any MSIG Branch to obtain the claim form.

If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.

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.