FlexiHealth
Medical coverage for you and your family with flexible protection options.
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 4 plans
There is no reason not to be protected. Just choose the plan that fits your budget and medical needs.
Affordable
Provides cost-effective coverage with premiums starting at just RM1.40 daily.
Deductible Plan with a premium discount of up to 70%
You decide how much of the medical bill you can pay in return for a reduced premium. MSIG FlexiHealth Insurance will pay the balance up to the limit covered.
High lifetime limit
MSIG FlexiHealth Insurance allows you to stay protected even if you have exceeded your annual limit as long as you do not exceed the lifetime and age limits.
Renewal Discount* (Not applicable to the premium on Optional Treatment in Singapore)
You will enjoy a 10% renewal discount on the premium rate from the first renewal onwards. The renewal discount is in addition to the discounts available for Deductible Plan.
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Hospital Room and Board
- Intensive Care
- Surgical Fees
- Anaesthetist Fee
- Operating Theatre
- Hospital Supplies & Services
- Pre-hospital Specialist/Diagnostic Tests – Within 31 or 60 days (depending on selected plan of admission)
- Post-Hospitalisation Treatment up to 60 or 90 days (depending on selected plan) following discharge from hospital
- Ambulances fees
- Home Nursing up to 26 weeks
- Emergency Accidental Outpatient Treatment
- Emergency Accidental Dental Treatment
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
- 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
- Any treatment or surgical operation for congenital abnormalities or deformities including hereditary and developmental conditions
- 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
- Hospitalisation primarily for investigative purposes, screening, diagnosis, X-ray examination, general physical or medical examinations that are done routinely or are not incidental to treatment or diagnosis of a covered disability or any treatment or investigation of a disability which is not medically necessary to be hospitalised, any preventive treatment, preventive medicines, treatments specifically for weight reduction or gain or bariatric surgery and treatment of an experimental, investigational or research nature
- War and related risks
- Ionisation, radiation or contamination by radioactivity
- Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative treatment
- Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane
- Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations)
- Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit / pack and other ineligible non-medical items
- Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities
- 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
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this policy.
Plan A
From RM510.00 per year
Benefits
Max RM
Section 1 - Hospital & Related Services Benefits
Hospital Room and Board (per day)
200
Accidental Outpatient Alternative Medical Treatment
50 per vist, up to 1,000 per year
Medical Report Fees
100
Daily Cash Allowance at Government Hospital
100 for up to 120 days
Nutritional Allowance
500 per admission, up to 2,000 per year
Compassionate Care Allowance
50 per day, up to 1,500 per year
Other Fees
As charged, subject to reasonable and customary charges.
Section 2
Organ Transplant
20,000
Outpatient Cancer Treatment
20,000
Outpatient Kidney Dialysis Treatment
20,000
Outpatient Stroke Treatment
20,000
Optional Coverage for Treatment in Singapore (with additional premium)
75,000
Section 3
Plan 1
Critical Illness Benefit (8 types)
25,000
Maternity benefit (per pregnancy period of insurance)
Plan 1
Normal Delivery
3,000
Complicated Delivery
5,000
Miscarriage (or abortion due to accident)
3,000
Plan B
From RM654.00 per year
Benefits
Max RM
Section 1 - Hospital & Related Services Benefits
Hospital Room and Board (per day)
300
Accidental Outpatient Alternative Medical Treatment
50 per vist, up to 1,000 per year
Medical Report Fees
100
Daily Cash Allowance at Government Hospital
100 for up to 120 days
Nutritional Allowance
500 per admission, up to 2,000 per year
Compassionate Care Allowance
50 per day, up to 1,500 per year
Other Fees
As charged, subject to reasonable and customary charges.
Section 2
Organ Transplant
30,000
Outpatient Cancer Treatment
30,000
Outpatient Kidney Dialysis Treatment
30,000
Outpatient Stroke Treatment
30,000
Optional Coverage for Treatment in Singapore (with additional premium)
150,000
Section 3
Plan 2
Critical Illness Benefit (8 types)
50,000
Maternity benefit (per pregnancy period of insurance)
Plan 1
Normal Delivery
3,000
Complicated Delivery
5,000
Miscarriage (or abortion due to accident)
3,000
Plan C
From RM796.00 per year
Benefits
Max RM
Section 1 - Hospital & Related Services Benefits
Hospital Room and Board (per day)
400
Accidental Outpatient Alternative Medical Treatment
50 per vist, up to 1,000 per year
Medical Report Fees
100
Daily Cash Allowance at Government Hospital
100 for up to 120 days
Nutritional Allowance
500 per admission, up to 2,000 per year
Compassionate Care Allowance
50 per day, up to 1,500 per year
Other Fees
As charged, subject to reasonable and customary charges.
Section 2
Organ Transplant
40,000
Outpatient Cancer Treatment
40,000
Outpatient Kidney Dialysis Treatment
40,000
Outpatient Stroke Treatment
40,000
Optional Coverage for Treatment in Singapore (with additional premium)
225,000
Section 3
Plan 3
Critical Illness Benefit (8 types)
100,000
Maternity benefit (per pregnancy period of insurance)
Plan 2
Normal Delivery
5,000
Complicated Delivery
10,000
Miscarriage (or abortion due to accident)
5,000
Plan D
From RM908.00 per year
Benefits
Max RM
Section 1 - Hospital & Related Services Benefits
Hospital Room and Board (per day)
500
Accidental Outpatient Alternative Medical Treatment
50 per vist, up to 1,000 per year
Medical Report Fees
100
Daily Cash Allowance at Government Hospital
100 for up to 120 days
Nutritional Allowance
500 per admission, up to 2,000 per year
Compassionate Care Allowance
50 per day, up to 1,500 per year
Other Fees
As charged, subject to reasonable and customary charges.
Section 2
Organ Transplant
50,000
Outpatient Cancer Treatment
50,000
Outpatient Kidney Dialysis Treatment
50,000
Outpatient Stroke Treatment
50,000
Optional Coverage for Treatment in Singapore (with additional premium)
300,000
Section 3
Plan 4
Critical Illness Benefit (8 types)
200,000
Maternity benefit (per pregnancy period of insurance)
Plan 2
Normal Delivery
5,000
Complicated Delivery
10,000
Miscarriage (or abortion due to accident)
5,000
Add-on
Treatment in Singapore
Extends coverage for treatment in Singapore for Section 1
- Hospital & Related Services Benefits
For more information, please refer to MSIG FlexiHealth Insurance Brochure with PDS.
Available with
Critical illness benefit (8 types)
Pays lump sum if you are diagnosed with cancer, coronary artery bypass surgery, heart attack, kidney failure, motor neurone disease, multiple sclerosis, Parkinson’s Disease or stroke as defined in the Policy and survive for more than 14 days after diagnosis.
For more information, please refer to MSIG FlexiHealth Insurance Brochure with PDS.
Available with
Maternity Benefit (per pregnancy period of insurance)
Antenatal, childbirth and postnatal treatment for the mother. Subject to waiting period of 365 days from the date of commencement of cover under this benefit. This included normal delivery, complicated delivery and miscarriage (or abortion due to accident).
For more information, please refer to the MSIG FlexiHealth Insurance Brochure with PDS.
Available with
Treatment in Singapore
Extends coverage for treatment in Singapore for Section 1
- Hospital & Related Services Benefits
For more information, please refer to MSIG FlexiHealth Insurance Brochure with PDS.
Available with
Critical illness benefit (8 types)
Pays lump sum if you are diagnosed with cancer, coronary artery bypass surgery, heart attack, kidney failure, motor neurone disease, multiple sclerosis, Parkinson’s Disease or stroke as defined in the Policy and survive for more than 14 days after diagnosis.
For more information, please refer to MSIG FlexiHealth Insurance Brochure with PDS.
Available with
Maternity Benefit (per pregnancy period of insurance)
Antenatal, childbirth and postnatal treatment for the mother. Subject to waiting period of 365 days from the date of commencement of cover under this benefit. This included normal delivery, complicated delivery and miscarriage (or abortion due to accident).
For more information, please refer to the MSIG FlexiHealth Insurance Brochure with PDS.
Available with
Frequently asked questions
Please refer to the Premium Schedule (for Malaysian residents) in this brochure. Premium depends on present age (year of birth) 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.
Anyone accepted by the Company aged between 15 days and 59 years 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 80.
A child aged from 15 days and up to 18 years who is unmarried and financially dependent on the Policyholder or up to 23 years if still undergoing full-time education and who is not gainfully employed can only be insured along with at least one parent.
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.
No benefits shall be payable if you reside or travel outside Malaysia for more than 90 consecutive days. However, this shall not apply to you if you are in Singapore for the purpose of seeking medical treatment subject to you having paid additional premium for Optional Coverage for Treatment in Singapore.
Yes. However, it is subject to the customary cost of treatment in Malaysia and subject to transportation costs being excluded. For treatment in Singapore*, reimbursement of charges incurred for Medically Necessary Treatment for a covered Disability will be based on the official exchange rate ruling on the last day of the Hospitalisation subject to terms and conditions of the Policy.
*Only applicable when you have paid additional premium for Optional Coverage for Treatment in Singapore.
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
FlexiHealth Brochure with PDS (EN, BM)
FlexiHealth PDS (EN)
FlexiHealth Proposal Form
Individual H&S Panel Hospital List
Ready to get covered?
Coverage you might need
EZ Plus Hospital Income
Daily allowance for hospitalization due to serious illness, accident, or covered disabilities.
Ladies Lifestyle
Women’s coverage against accidents or critical illnesses which includes medical, hospitalization and care costs.
Healthcare International
Coverage against serious health issues from diagnosis to planned hospital care.
EZ Plus Critical Care
Affordable critical illness coverage from just RM0.16 a day, with travel, recovery and medicine allowances.