Welcome to MSIG Malaysia!

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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

Accidental Death or Permanent Disablement

Up to RM100,000 — in the event of an accident.

Double indemnity for permanent total disablement

Up to RM200,000 — in the event of an accident.

Covers one of the following: a) loss of 2 limbs, b) total permanent paralysis, c) permanently bedridden.

Convalescence Allowance

RM2,000 for necessary alteration to dwelling or motor vehicle and any other medical aids should you be continually dependent on a wheelchair for a period of not less than 6 months.

Medical expenses (includes Chinese physician/bonesetter expenses)

Up to RM3,000 — incurred by you within 104 weeks in respect of any one accident, which includes Chinese physician/bonesetter expenses of RM100 per visit, up to a maximum of RM500 per accident or event.

Personal liability

Up to RM100,000 cover paid for your legal liability towards third parties in respect of injury or loss of or damage to property.

Coverage

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

Here is a list of sports and activities covered under MSIG Sports Personal Accident Insurance. 

Note that Professional sports, boxing or wrestling, or any racing involving the use of mechanically powered driven vehicles and/or craft or trial of speed or reliability are not covered under the policy.

Plans

RECOMMENDED

Plan 1

Starting from RM97.20/yr
Benefits
Max RM

Accidental death and/or permanent disablement

50,000

Double indemnity for permanent total disablement

100,000

Convalescence allowance

2,000

Medical expenses

2,000

Personal liability

50,000

Loss or damage to sports equipment (limited to RM1,000 per article, pair or set)

2,000

Loss or damage to personal effects (limited to RM750 per article, set or collection)

1,500

Search and rescue expenses

2,000

Medical assist alarm centre

Covered


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Plan 2

Starting from RM162.00/yr
Benefits
Max RM

Accidental death and/or permanent disablement

100,000

Double indemnity for permanent total disablement

200,000

Convalescence allowance

2,000

Medical expenses

3,000

Personal liability

100,000

Loss or damage to sports equipment (limited to RM1,000 per article, pair or set)

3,000

Loss or damage to personal effects (limited to RM750 per article, set or collection)

2,000

Search and rescue expenses

3,000

Medical assist alarm centre

Covered


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Frequently asked questions

Who is eligible to apply?

All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia and their Dependents between 6 and 65 years of age at the date of first enrolment and may be renewed up to the maximum age of 70. Different terms will apply for Malaysians residing outside Malaysia. Professions and occupations involving manual work or the use of tools and machinery may be subject to premium loading.

What does the MSIG Sports Personal Accident Insurance cover? How is it unique?

This insurance covers activities not normally covered by conventional Personal Accident plans. The MSIG Sports Personal Accident Insurance protects you when you enjoy the following: mountaineering, abseiling, bungee jumping, hiking, skiing and other winter sports, marathons, hang gliding, martial arts (excl. boxing and wrestling), scuba diving, swimming and other water sports, go kart, horse riding, racquet sports, golf and other amateur sports. Please refer to www.msig.com.my for the full list.

What are the procedures for me to cancel my policy? What if the Company decides to cancel my policy?

You may cancel the cover at any time by notifying us in writing. Any refund of premium is based on the pro-rata basis and depend on how long the cover has been in force and subject to the Company retaining a minimum premium of RM60.00 and the prevailing Service Tax and whether any claims have been made. The Company may cancel this cover or any Section by sending 7 days’ notice by recorded delivery letter or registered letter to your last known address and the return of premium will depend on how long the cover has been in force and whether any claims have been made.

How do I make a claim?

Please inform us in writing with full details as detailed on the claim form within 7 days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG branch to obtain a copy of the claim form. Submit the completed claim form together with all relevant documents as soon as possible.

How do I enrol for the policy?

Just complete the attached proposal form here and send it to us, or your insurance adviser.

Downloads

Sports Personal Accident Insurance Brochure with PDS

Sports Personal Accident Insurance Proposal Form

Download all

Nomination

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.

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).

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).

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.

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.

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