All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia and their Dependants between 18 and 69 years of age at the date of first enrolment may apply and renew up to maximum age of 80 years.
Child(ren) must be between age 15 days and 21 years, unmarried and financially dependent on the Policyholder, extendable to 24 years if still in full-time higher education and not gainfully employed. A child has to be insured along with at least one parent.

Principal Sum Insured refers to the Accidental Death & Permanent Disablement Sum Insured at original inception as specified in the table of benefits excluding any bonus.

Major Burns is defined herein as third or higher degree burns with burnt areas equal to or greater than 10% of the total body surface area of the Insured. Third degree burns shall mean the destruction of all layers of the skin (epidermis and dermis) with damage to the tissues beneath.

1. Acts of terrorism or hijacking?
   Yes, these benefits are payable in the event of death or disablement due to terrorism and hijacking, subject to the terms and conditions of the Policy.
2. Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus?
   These benefits are not payable since the death is caused by an illness. However we will pay Bereavement Allowance for Death due to Dengue, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus which is 10% of the Principal Sum Insured.
3. Snatch theft or robbery?
   Yes, we will pay the above benefits for death caused by or arising from snatch theft or robbery.
4. HIV as a result of blood transfusion?
   These benefits are not payable since the death is caused by an illness. Lump sum payment will be made upon confirmed infection with the HIV occurring within 2 years from the date of medically necessary blood transfusion following an accident.

You may upgrade or downgrade your plan upon the next renewal. Any change of plan will cause the accumulated Renewal Bonus to be forfeited and begin anew. Kindly contact any MSIG Branch or your Insurance Adviser for assistance.

Yes, you may include your dependants (spouse and child(ren)) into your policy. The premium charged for midterm inclusion will be pro-rated.

Renewal Bonus will be granted if no claim has incurred in preceding year and the period of cover is not less than 12 months on policy renewal. 
Dependants included during midterm of your policy will not be entitled to Renewal Bonus as their period of cover is less than 12 months on their first policy renewal. On subsequent renewals, they will be entitled to Renewal Bonus subject to policy terms and conditions.

 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 short period rates specified in the policy contract and subject to the Company retaining a minimum premium of RM60.00 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 within 7 days of 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 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.