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EZ Plus Critical Care
Health
Critical Illness

EZ Plus Critical Care

Affordable critical illness coverage from just RM0.16 a day, with travel, recovery and medicine allowances​.

Important notice

You should read and understand the insurance policy and discuss with your insurance adviser or contact the insurance company directly for more information. 
Key benefits Coverage Plans FAQ Downloads
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Notes

MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).

Key benefits

2 coverage options available

Offers flexibility with two different coverage plans, allowing you to choose the one that best suits your requirements.

  • Option 1 - Cancer, Stroke and specific Brain Surgery, Heart Attack and Specific Heart Surgery & Kidney Failure.
  • Option 2 - Cancer & Kidney Failure.

Recuperative Allowance

Lump sum payment if you are hospitalised for more than 5 consecutive days as a result of a covered Critical Illness.

Supplementary Medicine Allowance

Lump sum payment to purchase complementary and supplementary medicines, vitamins or nutritional herbs if you are hospitalised for more than 5 consecutive days as a result of a covered Critical Illness.

Travel Allowance

Lump sum payment to help your family members pay for travel expenses to and from hospital when you are hospitalised as a result of a covered Critical Illness.

No Claim Bonus

10% per annum increase of your initial sum insured for every year of no claims, up to 5 years.

Coverage

Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads

Plans

Option 1 covers cancer, stroke and specific brain surgery, heart attack and specific heart surgery, and kidney failure only.

Option 2 covers cancer and kidney failure only.

RECOMMENDED

Plan 1

Starting from RM17.00/yr
Benefits
Max RM

Option 1 - Critical illness benefit

100,000

Option 2 - Critical illness benefit

100,000

No claims bonus

10% up to 5 yrs

Recuperative allowance

5,000

Supplementary medicine allowance

3,000

Travel Allowance

500

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Plan 2

Starting from RM29.00/yr
Benefits
Max RM

Option 1 - Critical illness benefit

200,000

Option 2 - Critical illness benefit

200,000

No claims bonus

10% up to 5 yrs

Recuperative allowance

10,000

Supplementary medicine allowance

5,000

Travel Allowance

1,000

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Frequently asked questions

Who is eligible for enrolment?

Any Malaysians and Permanent Residents residing in Malaysia accepted by the Company between 15 days and 59 years of age at first enrolment. Cover may be granted beyond age 59, provided the Insured Person is enrolled in the Plan before that age and has remained continuously covered thereafter, up to the maximum age of 70.
What are the Pre-existing Illnesses?

Pre-existing Illnesses shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which: 

  • The Insured Person had received or is receiving treatment;
  • Medical advice, diagnosis, care or treatment has been recommended;
  • Clear and distinct symptoms are or were evident; or
  • Its existence would have been apparent to a reasonable person in the circumstances.
What about geographical scope?

No benefits shall be payable if you are living outside the Usual Country of Residence as defined in the Policy for more than 3 consecutive months in any 12 month period, except the permanent change in Usual Country of Residence notified and accepted in writing by the Company.
Is there a waiting period?

Yes, the Policy shall not be liable for any Critical Illness first diagnosed within 30 days from the inception date of the Policy for Critical Stage and 60 days for Early Stage.
What are the implications of switching policy from one insurer to another?

If you switched to another insurer and your current health status is less favourable to the new insurer, you may be imposed with new terms and exclusions and have to go through the standard waiting period before you can make any claim.

View full FAQ

Downloads

MSIG EZ Plus Critical Care Insurance Brochure with PDS

Download MSIG EZ Plus Critical Care Insurance Brochure with PDS

MSIG EZ Plus Critical Care Insurance Proposal Form

Download MSIG EZ Plus Critical Care Insurance Proposal Form

MSIG EZ Plus Critical Care Insurance Chinese Leaflet

Download MSIG EZ Plus Critical Care Insurance Chinese Leaflet

Product Disclosure Sheet

Download Product Disclosure Sheet

Policy Wording

Download Policy Wording
Download all

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