ABC PA
Simple and affordable plan with 24-hour worldwide coverage to protect your financial security in the event of an accident.
Important notice
You are advised to note the scale of benefits for death and disablement in your insurance policy. You must nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have purchased. 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
Limb Shortening
Covers shortening of arms and/or legs resulting from an accident.
Accidental Death and/or Permanent Disablement
Covers death and/or permanent disablement resulting from accidents that occur anywhere in the world.
Medical Expenses
Covers medical and hospital expenses incurred per person in respect of any one accident.
Major Burns Benefit
Covers third degree burns resulting from an accident upon certification by a registered medical practitioner.
Funeral And Cremation Expenses
Reimbursement up to RM2,000 per person as a result of accidental death.
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Accidental Death and/or Permanent Disablement
- Limb Shortening
- Coma
- Major Burns Benefit
- Medical Expenses
- Funeral And Cremation Expenses
- Ambulance Fees
- Hospital Income
- Facial or Dental Cosmetic Surgery
- Bereavement Allowance
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.
- War and related risks
- Ionisation, radiation or contamination by radioactivity
- Suicide, self-inflicted injury, unlawful act or wilful exposure to peril (other than in an attempt to save a human life)
- AIDS or AIDS-related complex (ARC)
- Pregnancy, childbirth, physical or mental defect or infirmity
- Air travel except as a passenger in a fully licensed passenger carrying aircraft
- The effect or influence (temporary or otherwise) of drugs, unless the drug is taken in accordance with an authorised medical prescription (but not for the treatment of drug addiction)
- Professional sports
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this policy.
Plans
Plan 1
Starting from RM54.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
20,000
Limb shortening
Percentage of sum insured as specified in the schedule of disablement benefits
Coma
20,000
Major burns benefit
10,000
Medical expenses
1,000
Funeral and cremation expenses
2,000
Bereavement allowance
500
Ambulance fees
500
Hospital income (per day up to 60 days)
50
Facial or dental cosmetic surgery
1,000
Plan 2
Starting from RM108.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
50,000
Limb shortening
Percentage of sum insured as specified in the schedule of disablement benefits
Coma
50,000
Major burns benefit
25,000
Medical expenses
1,250
Funeral and cremation expenses
2,000
Bereavement allowance
500
Ambulance fees
500
Hospital income (per day up to 60 days)
50
Facial or dental cosmetic surgery
1,000
Plan 3
Starting from RM140.40/yr
Benefits
Max RM
Accidental death and/or permanent disablement
70,000
Limb shortening
Percentage of sum insured as specified in the schedule of disablement benefits
Coma
70,000
Major burns benefit
35,000
Medical expenses
1,500
Funeral and cremation expenses
2,000
Bereavement allowance
500
Ambulance fees
500
Hospital income (per day up to 60 days)
50
Facial or dental cosmetic surgery
1,000
Frequently asked questions
All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia between 18 to 75 years of age at the date of first enrolment may apply and renew up to the maximum age of 100 years.
Coma shall mean a profound state of unconsciousness for at least 1 year which resulted directly and independently from all other causes from a covered accident. Coma does not mean any state of unconsciousness intentionally induced during the course of treatment of a covered injury.
Third Degree Burns is defined herein as the full thickness of skin destruction of at least 27% of the total body surface area.
Yes, you will be paid on top of your other personal accident policies in the event of an Accidental Death or Permanent Disablement.
If you have a complaint about our products or services, or you are not satisfied with the rejection or offer for any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.
| MSIG Customer Service | |
| Address |
Customer Service Department, MSIG Insurance (Malaysia) Bhd, Level 15, Menara Hap Seng 2, Plaza Hap Seng, No. 1, Jalan P. Ramlee, 50250 Kuala Lumpur |
| Telephone | 1-800-88-6744 |
| Facsimile | 03-2026 8086 |
| msig_online@my.msig-asia.com | |
| Website | www.msig.com.my |
If you are still not satisfied with the decision, you can refer either to the Customer Services Bureau of Bank Negara Malaysia or Financial Markets Ombudsman Service (FMOS), free of charge.
| Address |
Bank Negara Malaysia (BNM) Link No.10, Jalan Dato' Onn, 50480 Kuala Lumpur |
| Telephone | 1-300-88-5465 or +603 2174 1717 |
| Facsimile | 03-2174 1515 |
| bnmtelelink@bnm.gov.my | |
| Website | www.bnm.gov.my |
Financial Markets Ombudsman Service (FMOS) (Formerly known as Ombudsman for Financial Services)
| Address | Level 14, Main Block, Menara Takaful Malaysia No.4, Jalan Sultan Sulaiman 50000 Kuala Lumpur |
| Telephone | 03-2272 2811 |
| Facsimile | 03-2272 1577 |
| enquiry@ofs.org.my | |
| Website | www.ofs.org.my |
Downloads
MSIG ABC Personal Accident Insurance Brochure with PDS
MSIG ABC Personal Accident Insurance Proposal Form
Nomination
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.
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).
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).
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.
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.
Ready to get covered?
Coverage you might need
Gig PA
24/7 global accident plan compensating for accidental disability or death, including daily hospital allowance.
Weekly Indemnity
Provides a weekly payment during loss of income due to physical injuries from an accident.
Tenang Hospital Income
Daily cash allowance for hospitalization due to accident or COVID-19.
Senior Citizen PA
Seniors' accident coverage with low premiums, tailored benefits and 24/7 global protection.