Healthcare International
Coverage against serious health issues from diagnosis to planned hospital care.
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
Additional New Plan - The Essential Plan
Provides customers with more plan options at competitive prices, making it easier to choose a plan that fits individual budgets and needs.
Additional New Options
Under the Reimbursement (NEW) option, policyholders are required to pay medical expenses upfront and then submit claims for reimbursement within 30 days of the occurrence. This option offers a 20% discount on premiums but does not provide a medical card, meaning payments must be made directly by the policyholder.
The Deductible option requires policyholders to bear a fixed amount of medical expenses for each hospitalisation before the insurance coverage applies. In return, this option offers a premium discount of up to 20%.
Co-payment waiver
Removes the additional 20% co-payment when policyholders opt for upgraded Room and Board beyond the standard coverage.
Hospital & Related Services
This plan offers comprehensive coverage for essential medical expenses during hospitalisation, including room and board, ICU charges, surgical and anaesthetist fees, operating theatre costs, and hospital supplies and services. It also covers in-hospital physician visits, pre-hospital diagnostic tests (up to 31 or 60 days depending on the plan), and ambulance fees. Additional benefits include coverage for day-care surgery, post-hospitalisation treatment (up to 60 or 90 days), home nursing for up to 26 weeks, outpatient kidney dialysis and cancer treatment, and emergency accidental outpatient care.
Increased International Cover
Hospitalisation and Room & Board benefits automatically increase when travelling outside the Home Country or Usual Country of Residence. Business and holiday travellers enjoy high limit emergency coverage when it is most needed.
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)
- Ambulances fees
- Day Care Surgery
- Post-Hospitalisation Treatment up to 60 or 90 days (depending on selected plan) following discharge from hospital
- Home Nursing up to 26 weeks
- Outpatient Kidney Dialysis and Cancer Treatment
- Emergency Accidental Outpatient Treatment
- Emergency Accidental Dental Treatment
- Medical Report Fees up to RM80
- Organ Transplant
- Emergency Medical Advice & Assistance
- Payment Guarantee (Not applicable to Reimbursement option except for Emergency Medical Evacuation)
- Emergency Medical Evacuation (selected plan)
- Travel Personal Accident (selected Plan)
Note: Duration of cover is for 1 year. It may be renewed on each anniversary of the Date of Inception of the Policy by payment of the premium determined by the Company at the time of renewal.
- Pre-existing illnesses
- Air travel except as a passenger in a fully licensed passenger carrying aircraft
- Sickness or bodily injury arising from racing of any kind (except foot racing), hazardous activities such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities
- Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the insured person and disabilities arising out of duties of employment or profession that is covered under a Workmen’s Compensation Insurance Contract
- 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
- Expenses incurred for donation of any body organ by an insured person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications
- Ionisation, radiation or contamination by radioactivity
- War and related risks
- Mental illness, psychiatric disorders, self-inflicted injury or suicide
- 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
- 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
- Any treatment or surgical operation for congenital abnormalities or deformities including hereditary and developmental conditions
- 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
- 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
- Any medical or physical conditions arising within the first 30 days of cover except for accidental injuries
- Specified illnesses occurring during the first 120 days of continuous cover
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of terms and conditions under this Policy.
Add-on
Deductible
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Reimbursement
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Maternity benefit
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Outpatient services
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Increased international cover for hospitalisation benefits
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Deductible
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Reimbursement
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Maternity benefit
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Outpatient services
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Increased international cover for hospitalisation benefits
Please contact our Customer Service Hotline or your Insurance Adviser for more detailed information.
Available with
Plans
Essential
Starting from RM479.20/yr
Benefits
Max RM
Annual overall limit
65,000
Hospital & related services
50,000
Room & board
180/day
Increased international cover
N/A
Organ transplant
15,000
Emergency medical advice & assistance
Covered
Emergency medical evacuation
N/A
Payment guarantee
Covered
International travel assistance services
N/A
Travel personal accident
N/A
Executive
Starting from RM582.40/yr
Benefits
Max RM
Annual overall limit
150,000
Hospital & related services
100,000
Room & board
250/day
Increased international cover
N/A
Organ transplant
50,000
Emergency medical advice & assistance
Covered
Emergency medical evacuation
N/A
Payment Guarantee
Covered
International travel assistance services
N/A
Travel personal accident
N/A
Premier
Starting from RM649.60/yr
Benefits
Max RM
Annual overall limit
700,000
Hospital & related services
150,000
Room & board
350/day
Increased international cover
N/A
Organ transplant
100,000
Emergency medical advice & assistance
Covered
Emergency medical evacuation
450,000
Payment guarantee
Covered
International travel assistance services
Covered
Travel personal accident
N/A
Gold
Starting from RM952.20/yr
Benefits
Max RM
Annual overall limit
2,200,000
Hospital & related services
300,000
Room & board
400/day
Increased international cover
Covered
Organ transplant
250,000
Emergency medical advice & assistance
Covered
Emergency medical evacuation
700,000
Payment guarantee
Covered
International travel assistance services
Covered
Travel personal accident
250,000
Frequently asked questions
Please refer to the Premium Schedule (for Malaysian residents) in this brochure. Cost depends on age, level of cover and the Usual Country of Residence. Different terms may apply to non-Malaysians residing in Malaysia.
Anyone accepted by the Company who is not more than 55 years old and not less than 15 days old at the date of first enrolment. An unmarried child below 18 years old 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.
Healthcare International Insurance provides worldwide cover subject to the Local Treatment provisions stated in the Policy.
If adequate treatment is available locally in Malaysia but you choose to be treated elsewhere, then covered treatment costs will be met only up to the customary cost of treatment in Malaysia and subject to transportation costs being excluded.
If adequate treatment is not available locally in Malaysia prior arrangements can often be made through the Company or the Emergency Assistance Centre for appropriate treatment to be received elsewhere.
No benefits shall be payable if an insured person resides or travels outside Malaysia for more than 90 consecutive days.
Yes, for hospital in-patient treatment and emergency evacuation charges provided the Company or the 24-hour Emergency Assistance Centre is contacted in advance with all relevant information. Payment Guarantee is not applicable to Reimbursement option except for Emergency Medical Evacuation.
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
Healthcare International Brochure with PDS (EN, BM)
Healthcare International PDS (EN)
MSIG Healthcare International Insurance Proposal Form
Individual H&S Panel Hospital List
Ready to get covered?
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