• All Malaysians, Permanent Residents, Non-Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia and their Dependents are eligible to apply. Family Plan is permitted for Single Trip only and the age limit of the child is between 15 days and 17 years.
• For Annual Cover, all applicants must be between 15 days and 64 years old at the time of first enrollment. Cover may be granted beyond age 64 provided you were enrolled in the Plan before that age and have remained continuously covered thereafter, up to the maximum age of 80.

Yes, a parent must sign the proposal form on the life of the child.

No, the policy excludes pre-existing conditions, i.e., any illness or injury that the Insured had contracted, was diagnosed or treated for during the 12 months prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.

Yes, you have a maximum of 30 days to undergo follow-up treatment subject to your plan’s benefit limits.

No. Terrorism Extension only covers the Insured Person in respect of death or bodily injury caused by third party acts of terrorism provided that such acts of terrorism do not involve the use of biological, chemical agents or nuclear devices.

• Yes, you may seek reimbursement for non refundable expenses if you are hospitalised or certified by a medical practitioner to be unfit to travel due to an injury or illness occurring within 60 days before your scheduled departure from Malaysia.
• For this section to be payable, the insurance must be purchased no later than 7 days before the commencement date of your journey.

1. For Single Trip policy, you may cancel this policy before the commencement of your journey by giving us seven days’ written notice. You are entitled to a refund of the premium paid for this policy.  
2. For Annual Policy, you may cancel this policy by giving us seven days’ written notice. You are entitled to a short rate refund as per policy wording.

• Notify MSIG immediately as soon as you have returned from your trip in respect of any event that may give rise to a claim.
• Complete the relevant sections of the claim form relating to your claim. Then submit the claim form together with the following documents:

• •  Tour Operator’s Confirmation of Booking Invoice
  •  Copies of Airline tickets, electronic tickets or boarding passes
  •  Original receipts for all medical bills and reports and confirmation of admittance and discharge from hospital of medical claims
  •  Original receipts for all items claimed
  •  Irregularity report from airline if baggage is lost or damaged by the airline
  •  Written confirmation from airline/shipping lines regarding the period of delay and the reasons if you are claiming for Luggage Delay/Travel Delay/Missed Travel Connection/ Travel Overbooked/ Missed Departure/Travel Reroute/Alternative Transport Arrangement
  •  Police Report & Currency Exchange Slip for Money and Theft Claims
  •  Written confirmation from hotels or handling agents in respect of claim for loss of use of hotel facilities
  •  Police Report or Bomba Report for claim on Home Protection

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.