FlexiCo Medical
For every stage of health, get adaptable medical coverage.
Important notice
You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy and discuss with your insurance adviser or contact the insurance company directly for more information.
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
Your choice of 6 plans
There is no reason not to be protected. Just choose the plan that fits your budget and medical needs.
No lifetime limit
No renewal review
Co-Insurance
- Co-Insurance of 5% per hospitalisation up to RM500 per year is applicable.
Overall annual limit
Long protection period
You can enrol up to 65 years old next birthday and renew your policy up to 90 years old next birthday.
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Hospital Room and Board
- Daily Guardian Charges, up to 60 days
- Intensive Care
- Surgical Fees
- Anaesthetist Fee
- Operating Theatre
- In-Hospital Physician Visit
- Hospital Supplies & Services
- Pre-Hospital Specialist Consultation/Diagnostic Tests – Within 30 or 60 days (depending on selected plan) prior to admission.
- Post-Hospitalisation Treatment up to 60 or 90 days (depending on selected plan) following discharge from hospital
- Ambulances fees
- Day Surgery
- Home Nursing up to 26 weeks
- Emergency Accidental Outpatient Treatment
- Emergency Accidental Dental Treatment
- Second Surgical Opinion
- Accidental Outpatient Alternative Medical Treatment and follow up treatment
- Medical Report Fees up to RM100
- Malaysia Government Hospital Daily Cash Allowance, up to 120 or 150 days (depending on selected plan)
- Nutritional Allowance
- Compassionate Care Allowance
- Organ Transplant
- Outpatient Kidney Dialysis, Cancer and Stroke Treatments
Note: This Policy will be renewable at the option of the Policyholder subject to the terms, conditions and termination at each of the anniversary of the Policy date.
- Pre-existing illnesses
- Specified illnesses occurring during the first 120 days of continuous cover
- Any medical or physical conditions arising within the first 30 days of cover except for accidental injuries
- Cosmetic or plastic surgery, dental care, eye examination and surgical correction for visual impairment due to nearsightedness, farsightedness, astigmatism or presbyopia or radial keratotomy or Lasik, any surgery, treatment or confinement unless it is medically necessary
- Circumcision or any surgery on the foreskin.
- Eye examination and refraction or surgical correction for visual impairments
- Glasses or contact lens for refraction correction;
- External prosthetic appliances or devices
- Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance
- Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV (Human Immunodeficiency Virus) related diseases, and any communicable diseases required quarantine by law
- Infection with Human Immuno-deficiency Virus (HIV) or conditions due to any Acquired Immune Deficiency Syndrome (AIDS)
- Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation
- Impotence, infertility, sterilization, erectile dysfunctions and its complications.
- Screening, diagnosis, X- rays, scans, general physical or medical examinations that are done routinely
- Mental illness, psychiatric disorders, self-inflicted injury or suicide
- War and related risks
- Alternative treatments such as but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone-setting, herbalist treatment, hyperbaric oxygen therapy, massage or aroma therapy or other alternative medicines treatment (except as defined under Accidental Outpatient Alternative Medical Treatment Benefit).
- Items that are not directly related to the medical treatment of the Disability including rental of television, telephones, broadband services, electricity charges, admission/registration/record fee, admission kit/pack.
- Sickness or injury arising from racing of any kind (except foot racing), hazardous sports or activities
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this policy.
Add-on
Multifocal lens for cataract
Reimbursement for the use of Multifocal Lens in cataract Surgery performed on the Insured Person in a legally registered eye treatment centre or a Hospital.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Outpatient advanced cancer treatment (immunotherapy, targeted therapy and hormonal therapy treatment for cancer)
Reimbursement for the treatment for Immunotherapy, Targeted Therapy and Hormonal Therapy of Cancer on the Insured Person as an Outpatient in a legally registered cancer treatment centre or a Hospital.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Daycare colonoscopy and gastroscopy
Reimbursement for colonoscopy or/and gastrocopy performed on the Insured Person in a legally registered treatment centre or a Hospital regardless of the colonoscopy or/and gastroscopy result. Such treatment must be recommended in writing by a General Practitioner or Specialist.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Outpatient traditional chinese medicine treatment
Reimbursement for traditional chinese medicine treatment of Disability to the Insured Person as an Outpatient by a Chinese Phyisician.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Overall annual limit booster
Boost your Overall Annual Limit to enjoy higher coverage.
| Optional overall annual limit booster* | ||||||
| 50% of Overall Annual Limit | 25,000 | 50,000 | 100,000 | 200,000 | 300,000 | 400,000 |
| 100% of Overall Annual Limit | 50,000 | 100,000 | 200,000 | 400,000 | 600,000 | 800,000 |
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Co-Insurance limit
- Optional Co-Insurance Limit
-
- You may opt for a higher Co-Insurance limit in return for a reduced premium (up to 20% premium discount).
- There are 4 level of Co-Insurance available for your selection.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Multifocal lens for cataract
Reimbursement for the use of Multifocal Lens in cataract Surgery performed on the Insured Person in a legally registered eye treatment centre or a Hospital.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Outpatient advanced cancer treatment (immunotherapy, targeted therapy and hormonal therapy treatment for cancer)
Reimbursement for the treatment for Immunotherapy, Targeted Therapy and Hormonal Therapy of Cancer on the Insured Person as an Outpatient in a legally registered cancer treatment centre or a Hospital.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Daycare colonoscopy and gastroscopy
Reimbursement for colonoscopy or/and gastrocopy performed on the Insured Person in a legally registered treatment centre or a Hospital regardless of the colonoscopy or/and gastroscopy result. Such treatment must be recommended in writing by a General Practitioner or Specialist.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Outpatient traditional chinese medicine treatment
Reimbursement for traditional chinese medicine treatment of Disability to the Insured Person as an Outpatient by a Chinese Phyisician.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Overall annual limit booster
Boost your Overall Annual Limit to enjoy higher coverage.
| Optional overall annual limit booster* | ||||||
| 50% of Overall Annual Limit | 25,000 | 50,000 | 100,000 | 200,000 | 300,000 | 400,000 |
| 100% of Overall Annual Limit | 50,000 | 100,000 | 200,000 | 400,000 | 600,000 | 800,000 |
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Co-Insurance limit
- Optional Co-Insurance Limit
-
- You may opt for a higher Co-Insurance limit in return for a reduced premium (up to 20% premium discount).
- There are 4 level of Co-Insurance available for your selection.
For more information, please refer to the MSIG FlexiCo Medical Insurance Brochure with PDS.
Available with
Plans
Plan A
Starting from RM631.00/yr
Benefits
Max RM
Hospital room & board (per day, up to 365 days)
150
Daily guardian charges (up to 60 days)
As charged
Intensive care unit (up to 365 days)
As charged
Surgical fees
As charged
Anaesthetist fee
As charged
Operating theatre
As charged
Hospital supplies & services
As charged
In-Hospital physician visit
As charged
Pre-hospital diagnostic tests
As charged
Post-hospitalisation treatment
As charged
Ambulance fees
As charged
Daycare surgery
As charged
Home nursing following hospitalisation
As charged
Emergency accidental outpatient treatment
As charged
Emergency accidental dental cover
As charged
Second surgical opinion (local only)
As charged
Accidental outpatient alternative medical treatment
50 per visit, up to 1,000 per year.
Medical report fees
100 per admission
Malaysian government hospital daily cash allowance
100 per day
Nutritional allowance
500 per admission, up to 2,000 per year
Compassionate care allowance
50 per day, up to 1,500 per year
Organ transplant
As charged
Outpatient cancer treatment
As charged
Outpatient kidney dialysis treatment
As charged
Outpatient stroke treatment
As charged
Overall annual limit
50,000
Co-Insurance
5% per hospitalisation up to max. RM500 per year
Plan B
Starting from RM789.00/yr
Benefits
Max RM
Hospital room & board (per day, up to 365 days)
250
Daily guardian charges (up to 60 days)
As charged
Intensive care unit (up to 365 days)
As charged
Surgical fees
As charged
Anaesthetist fee
As charged
Operating theatre
As charged
Hospital supplies & services
As charged
In-Hospital physician visit
As charged
Pre-hospital diagnostic tests
As charged
Post-hospitalisation treatment
As charged
Ambulance fees
As charged
Daycare surgery
As charged
Home nursing following hospitalisation
As charged
Emergency accidental outpatient treatment
As charged
Emergency accidental dental cover
As charged
Second surgical opinion (local only)
As charged
Accidental outpatient alternative medical treatment
50 per visit, up to 1,000 per year.
Medical report fees
100 per admission
Malaysian government hospital daily cash allowance
100 per day
Nutritional allowance
500 per admission, up to 2,000 per year
Compassionate care allowance
50 per day, up to 1,500 per year
Organ transplant
As charged
Outpatient cancer treatment
As charged
Outpatient kidney dialysis treatment
As charged
Outpatient stroke treatment
As charged
Overall annual limit
100,000
Co-Insurance
5% per hospitalisation up to max. RM500 per year
Plan C
Starting from RM1,075.00/yr
Benefits
Max RM
Hospital room & board (per day, up to 365 days)
350
Daily guardian charges (up to 60 days)
As charged
Intensive care unit (up to 365 days)
As charged
Surgical fees
As charged
Anaesthetist fee
As charged
Operating theatre
As charged
Hospital supplies & services
As charged
In-Hospital physician visit
As charged
Pre-hospital diagnostic tests
As charged
Post-hospitalisation treatment
As charged
Ambulance fees
As charged
Daycare surgery
As charged
Home nursing following hospitalisation
As charged
Emergency accidental outpatient treatment
As charged
Emergency accidental dental cover
As charged
Second surgical opinion (local only)
As charged
Accidental outpatient alternative medical treatment
50 per visit, up to 1,000 per year.
Medical report fees
100 per admission
Malaysian government hospital daily cash allowance
100 per day
Nutritional allowance
500 per admission, up to 2,000 per year
Compassionate care allowance
50 per day, up to 1,500 per year
Organ transplant
As charged
Outpatient cancer treatment
As charged
Outpatient kidney dialysis treatment
As charged
Outpatient stroke treatment
As charged
Overall annual limit
200,000
Co-Insurance
5% per hospitalisation up to max. RM500 per year
Plan D
Starting from RM1,282.00/yr
Benefits
Max RM
Hospital room & board (per day, up to 365 days)
450
Daily guardian charges (up to 60 days)
As charged
Intensive care unit (up to 365 days)
As charged
Surgical fees
As charged
Anaesthetist fee
As charged
Operating theatre
As charged
Hospital supplies & services
As charged
In-Hospital physician visit
As charged
Pre-hospital diagnostic tests
As charged
Post-hospitalisation treatment
As charged
Ambulance fees
As charged
Daycare surgery
As charged
Home nursing following hospitalisation
As charged
Emergency accidental outpatient treatment
As charged
Emergency accidental dental cover
As charged
Second surgical opinion (local only)
As charged
Accidental outpatient alternative medical treatment
50 per visit, up to 1,000 per year.
Medical report fees
100 per admission
Malaysian government hospital daily cash allowance
100 per day
Nutritional allowance
500 per admission, up to 2,000 per year
Compassionate care allowance
50 per day, up to 1,500 per year
Organ transplant
As charged
Outpatient cancer treatment
As charged
Outpatient kidney dialysis treatment
As charged
Outpatient stroke treatment
As charged
Overall annual limit
400,000
Co-Insurance
5% per hospitalisation up to max. RM500 per year
Plan E
Starting from RM1,425.00/yr
Benefits
Max RM
Hospital room & board (per day, up to 365 days)
800
Daily guardian charges (up to 60 days)
As charged
Intensive care unit (up to 365 days)
As charged
Surgical fees
As charged
Anaesthetist fee
As charged
Operating theatre
As charged
Hospital supplies & services
As charged
In-Hospital physician visit
As charged
Pre-hospital diagnostic tests
As charged
Post-hospitalisation treatment
As charged
Ambulance fees
As charged
Daycare surgery
As charged
Home nursing following hospitalisation
As charged
Emergency accidental outpatient treatment
As charged
Emergency accidental dental cover
As charged
Second surgical opinion (local only)
As charged
Accidental outpatient alternative medical treatment
50 per visit, up to 1,000 per year.
Medical report fees
100 per admission
Malaysian government hospital daily cash allowance
100 per day
Nutritional allowance
500 per admission, up to 2,000 per year
Compassionate care allowance
50 per day, up to 1,500 per year
Organ transplant
As charged
Outpatient cancer treatment
As charged
Outpatient kidney dialysis treatment
As charged
Outpatient stroke treatment
As charged
Overall annual limit
600,000
Co-Insurance
5% per hospitalisation up to max. RM500 per year
Plan F
Starting from RM1,518.00/yr
Benefits
Max RM
Hospital room & board (per day, up to 365 days)
1,000
Daily guardian charges (up to 60 days)
As charged
Intensive care unit (up to 365 days)
As charged
Surgical fees
As charged
Anaesthetist fee
As charged
Operating theatre
As charged
Hospital supplies & services
As charged
In-Hospital physician visit
As charged
Pre-hospital diagnostic tests
As charged
Post-hospitalisation treatment
As charged
Ambulance fees
As charged
Daycare surgery
As charged
Home nursing following hospitalisation
As charged
Emergency accidental outpatient treatment
As charged
Emergency accidental dental cover
As charged
Second surgical opinion (local only)
As charged
Accidental outpatient alternative medical treatment
50 per visit, up to 1,000 per year.
Medical report fees
100 per admission
Malaysian government hospital daily cash allowance
100 per day
Nutritional allowance
500 per admission, up to 2,000 per year
Compassionate care allowance
50 per day, up to 1,500 per year
Organ transplant
As charged
Outpatient cancer treatment
As charged
Outpatient kidney dialysis treatment
As charged
Outpatient stroke treatment
As charged
Overall annual limit
800,000
Co-Insurance
5% per hospitalisation up to max. RM500 per year
Frequently asked questions
Please refer to the Premium Schedule (for Malaysian residents) in this brochure. Premium depends on the age on your next birthday and level of cover.
Different terms will apply for:
- Non-Malaysian residing in Malaysia;
- Those who engage in hazardous occupations or sports;
- Those who visit or live in remote locations;
- Those with existing medical conditions.
Any person aged between 15 days and 65 years next birthday is eligible to enrol. Renewal is up to the maximum age of 90 years next birthday.
A child aged between 15 days and 18 years next birthday who is unmarried and financially dependent on the Policyholder or up to 22 years next birthday if still undergoing full-time education and who is not gainfully employed can be insured with his or her parent as the policyholder.
Pre-Existing Illnesses shall mean disabilities that the Insured Person has reasonable knowledge of prior to the effective date of insurance. 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.
No benefits shall be payable if you reside or travel outside Malaysia for more than 90 consecutive days.
Yes. However, it is subject to the customary cost of treatment in Malaysia and subject to transportation costs being excluded.
Important Information
The average medical cost in Malaysia has been increasing yearly. Protect yourself against rising medical costs by reviewing your existing medical and health cover. Please read and understand the following Frequently Asked Questions listed here.
We would like to hear your view towards medical and health insurance. Your valuable feedback is important in helping us to understand our customers better in view of rising medical costs and to improve our products and services. Click the survey button below to share your feedback.
There are several factors that may contribute to higher medical insurance premiums.
a. The rising cost of medical treatment or “medical inflation”
Medical procedures, hospital equipment and pharmaceuticals are improving to treat serious illnesses more effectively but all these improvements come at increased costs. Medical inflation refers to the increase in the average cost for treatment of illnesses.
b. Current trends lead to greater needs
A rise in chronic, lifestyle illnesses like diabetes, high cholesterol and obesity requires regular and long-term treatment for a growing percentage of the population. This and a weak currency environment in our country makes the importing of hospital equipment, supplies and medicine to result in higher medical costs.
c. Ageing population
As we get older, the likelihood of falling ill or getting injured will also increase which will mean more medical insurance claims. With more medical insurance claims, insurance premiums will increase to ensure that we can provide protection for as many people as we can.
In Malaysia, it currently stands at an average of 9% to 13%* every year.
*Source: Willis Tower Watson 2021 Global Medical Trends Survey Report
Our medical insurance premiums are regularly reviewed based on data, statistics and current events such as medical inflation.
The insurance industry has formed a joint task force to have on-going discussions and engagements with healthcare providers to examine rising medical costs and how all parties can work together to keep medical costs reasonable and affordable.
You can do your part by avoiding unnecessary medical insurance claims by:
a. understanding the necessity of recommended procedures and tests and availability of alternative treatments and procedures. Consult your doctor if the recommended procedure can be done as an outpatient or day surgery, meaning that hospitalisation is not required.
b. checking and comparing medical costs across our hospital network.
c. requesting for itemised bills from the hospital to verify that the billing is correct.
By doing so, you may preserve your annual/lifetime limits and help yourself and us to keep medical insurance claims low.
Insurance is based on the concept of sharing risks by pooling funds to help those who are in need. The funds from the pool are used to pay for medical costs incurred by contributors of the pool. When the number of insurance claims increases, the pool will not have enough to support the rest of the contributors as time goes on, which means that insurance premiums will need to be increased to maintain support for the contributors.
Downloads
FlexiCo Brochure with PDS (EN)
FlexiCo PDS (EN)
MSIG FlexiCo Medical Insurance Proposal Form
Individual H&S Panel Hospital List
Ready to get covered?
Coverage you might need
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FlexiHealth
Medical coverage for you and your family with flexible protection options.