All students between 16 to 55 years of age studying abroad are eligible to enrol.

Disabilities that existed before the effective date of insurance of an Insured Person and for which the Insured is receiving treatment or has shown manifestations/symptoms irrespective of whether the Insured was aware or should have reasonably been aware.

No, the cover is applicable to luggage lost due to theft or misdirection while in the care, custody or control of common carrier and while the Insured is a fare-paying passenger on that common carrier and during the period of insurance.

If the Insured Person suffers an injury while outside the Home Country, the medical expenses incurred outside the Home Country within 90 days of that injury will be payable. If the Insured suffers an injury while on visits to the Home Country, the medical expenses incurred in the Home Country will also be payable. Both incidences must fall within the Period of Insurance.

The cover will terminate if Insured:

• Returned to his/her Home Country permanently; or
• On graduation after the Insured has completed his/her final examinations up to a maximum of 3 months after the final examinations; or
• Ceases to be a full-time student for whatever reasons in the stated Educational Institutions; or
• Upon expiry of the Policy whichever is earlier.

You may cancel the cover at any time by notifying us in writing. The Company will return premium in accordance with the short period scale. 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 return of premium is based on pro-rata basis for the unexpired period of cover. 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, for immediate processing.

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.