MSIG Malaysia

We understand that your trip is more than just a destination; be it business or vacation with your loved ones. That's why we go above and beyond with MSIG TravelRight Plus Insurance that protects you and your family throughout your journey. It also provides a 24-hour worldwide travel assistance hotline that you can call for information and advice, in times of need. At MSIG, you and those who travel with you are at the heart of all we do.

On top of your TravelRight Plus Insurance Policy, you can also choose from the following add-on plans to extend the coverage of Travel Insurance: 

  • Travel Add-On: COVID-19 Benefit
    • Covers medical expenses for the treatment of COVID-19 when you are infected and hospitalised overseas. 
  • Travel Add-On: Alternative Transport Top Up 
    • Covers additional costs incurred for alternative transport or alternative routes to your next destination in the event that the scheduled carrier is cancelled or delayed for more than 24 hours in foreign countries.  

Frequent travellers get to save more and enjoy rewards with MSIG Annual Travel Insurance.

If you love to travel frequently, or you make regular business trips in the year, you may want to consider taking up the annual travel insurance which covers unlimited number of trips in a policy year.

3 Reasons Why You Should Take Up The Annual Travel Insurance

1. You Save on the Premium!

If you travel more than four (4) times a year, an annual policy could work out to be a better value than buying a single trip cover for each holiday/business trip.

Below is an example for those between 18 to 69 years old and make 6 trips (assuming 6 to 10 days per trip and all to Area 1) in a year:

  • Single Trip (Plan 1)
  • Premium Calculation:
    6 trips x RM67 = RM402
  • Total Premium:
  • Annual Cover (Plan 1)
  • Total Premium =
    RM 333.90 (Including 6% ST)
    (Savings of RM68.10)

2. You Avoid the Hassle of Having to Purchase Travel Insurance Before Every Trip!

An annual policy helps you avoid the need to purchase a new cover every time you travel. Unplanned and unexpected trips will all be covered, so you can travel with peace of mind.  

3. There is No Limit on the Number of Trips You Can Make During the Policy Year.

The annual travel insurance covers you for an unlimited number of trips in a policy year up to 90 days for each trip. If you travel regularly for business or for leisure, it is more worthwhile for you to purchase the annual policy. However, please select the appropriate geographical area of travel for your policy.

Scenario 1
Mrs Tan* loves to travel. At 60, she has all the time in the world to visit the places she could only dream about in her youth. Her daughter, Mary*, enjoys accompanying her on her trips. As they became seasoned travelers, Mary realized that having an enjoyable trip includes planning for a safe trip.

You can plan as much as you want but there are certain things that you just cannot plan for. Getting help in an unfamiliar place is a challenge I hope to do without


Early this year, before leaving on their holiday to Canton, Shanghai and Beijing, Mary took her usual precautions. She told her family members where they were going, informed her credit card company, read all about the places that they were visiting and places to avoid and so on. She also purchased travel insurance for both of them.

On the third day of their tour, Mrs. Tan slipped and fell and fractured her leg. She was immediately hospitalised and after 3 days, the Tan family decided that it would be better to transfer Mrs Tan back to Malaysia.

It was enough to cover all the hospital bills in Shanghai, plus the cost of the medical evacuation. They paid only RM67 each in premiums and were covered for RM300,000 for medical expenses that included follow-up treatment in Malaysia.

Today, Mrs Tan is well on the road to recovery and is already planning another trip. But it'll be short and relaxed, nothing too taxing, and I certainly will make sure that we have purchased travel insurance for the trip!

* Not their real names

** Premium and benefits amount based on MSIG Travelright Plus Plan 1

Scenario 2

19th April 2009, ChoShan Island China.

Madam Wong, aged 69, sustained a fall whilst on a tour in ChoShan Island. She sustained a fracture femur and was awarded at the local hospital at ChoShan. Her tour leader immediately contacted our MSIG Assist for assistance. Due to the limited medical facility at this hospital coupled with the patient's fragility, it was decided to evacuate her back to Malaysia for treatment before her conditions deteriorated.

Air ambulance was arranged, and with a medical escort team, Madam Wong was brought back to Malaysia just 3 days after the accident. Upon arrival at the airport, an ambulance awaited, and transported her to the University Malaya Specialist Centre where she was operated upon, and discharged three days thereafter.

Madam Wong is now on the road to recovery.

MSIG TRAVEL ASSIST* - 24-Hour Travel Worldwide Assistance – FREE with MSIG TravelRight Plus Insurance

Wherever you are in the world, you can rely on MSIG Assist to come to your rescue.

You may call for assistance on:

  • Pre-travel Advice on visa and vaccination requirements
  • Medical Assistance in an emergency or if an evacuation or repatriation is required
  • Travel Assistance pertaining to lost luggage, passports, money and credit cards
    The number to call: +603 - 7965 3930 (24-hour hotline)

You can reverse charge or ask Helpline operators to return your call so you do not need to worry about the call charges.

* Terms and conditions apply.

Nomination is important to ensure that your loved ones get the protection that you intended.

To assist you in understanding ‘Nomination’, we have come up with simple FAQs below. 

1.    Why do I have to nominate?

Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay.  Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.

*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.

2.    Who can I nominate?

You can nominate any individual(s) you want.  HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use.  Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s).  Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.

How so?

Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.

To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).

3.    How do you create a trust policy?

Trust policy will be created:

(a)   if the nominee is your spouse or child; or

(b)  if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).

4.    What if I nominate someone else as my nominee(s)?

In such as case, you are creating a non-trust policy.  Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws.  If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.

In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use.  Please contact MSIG if you require more information on this.

5.    What about Muslim policy owner?

Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.

6.    I did not make any nomination and Will.  How will the policy moneys be distributed?

The policy moneys as well as your other assets will be distributed in accordance with applicable distribution laws.

For West Malaysia and Sarawak, the Distribution Act 1958 applies, where the policy moneys and assets will be divided between your surviving spouse, children and parent(s) in certain proportions.

The Distribution Act 1958 is however not applicable to Muslims in West Malaysia and natives in Sarawak.  For Sabah, policy moneys and assets will be distributed in accordance with the Intestate Succession Ordinance 1960. 

7.    How do I make a nomination?

It is easy to make a nomination.  You can download the PA Insurance Nomination Form provided in this website or you may contact us and request for a copy.  Complete and return the original PA Insurance Nomination Form to MSIG for our further action  – you may wish to refer to the sample completed form for reference. 

Please make sure that the form is duly signed and witnessed by someone who is 18 years old and above, of sound mind and not a named nominee, failing which the nomination may be deemed invalid.

*The FAQs are provided for general information only. For detailed provisions on nomination, please refer to Schedule 10 of Financial Services Act 2013. 

To download a copy of the Personal Accident Insurance Nomination Form, please click on the link below.

8.    Can I being the insured revoke the nomination made earlier in my trust policy?

Yes, you can revoke the nomination under your trust policy but under the law you must obtain the written consent of the trustee before the revocation can be valid. (Refer to explanation in question 3 above). Hence, if you wish to revoke the nomination, you may download the Consent Form provided by us through the link below for completion. After the submission of the completed Consent Form and new Nomination Form to us, we will pass an endorsement for a change of nominee to your trust policy.

Specimen Personal Accident Insurance Nomination Form
Personal Accident Insurance Nomination Form
Consent Form for Revocation of Nomination

MSIG assist

Contact MSIG Assist for your travel emergencies or travel-related assistance services.