Individual PA
24/7 worldwide plan covering daily expenses and additional bills incurred after 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
Accidental Death and/or Permanent Disablement
For the whole family (yourself and/or your spouse and/or your children), between ages of 16 and 65 and renewable up to 70 years. Wide Personal Accident Coverage including Riot, Strike, Civil Commotion and Hijacking.
Weekly Benefit for Temporary Total Disablement and Temporary Partial Disablement
Up to the amount of the Plan applied for – in the event of an accident.
Medical Expenses
Up to the amount of the Plan applied for – incurred by the Insured Person in respect of any one accident which include Chinese Physician/Bonesetter expenses of maximum RM250 per consultation (The first received treatment must be at a clinic registered with Ministry of Health Malaysia). Extended to cover reimbursement for treatment of Dengue Fever, Malaria, Chikungunya and Japanese Encephalitis (JE).
Pendapatan Hospital Harian
Up to the amount of the Plan applied for – in the event of an accident.
Bereavement Allowance
Up to the amount of the Plan applied for – in the event of an accident.
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Accidental Death and/or Permanent Disablement
- Convalescence Allowance
- Funeral, Cremation and Repatriation Expenses
- Weekly Benefit for Temporary Total Disablement
- Weekly benefit for temporary partial disablement
- Medical Expenses
- Hospital Income
- Ambulance Fees
- Bereavement Allowance
- Purchase of Orthopaedic Equipment / Prostheses
- Personal Liability
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
- 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
- Government regulations or acts or authorities
- Drug abuse unless the drug is taken in accordance with an authorised medical prescription (but not for the treatment of drug addiction)
- Any crew, trade, technical or sporting activity in connection with an aircraft
- Act of Terrorism
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 RM75.60/yr
Benefits
Max RM
Accidental death and/or permanent disablement
50,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
100
Weekly benefit for temporary partial disablement
50
Medical expenses
3,000
Daily hospital income
50
Ambulance fees
200
Bereavement allowance
500
Purchase of orthopaedic equipment
500
Personal liability
50,000
Plan 2
Starting from RM129.60/yr
Benefits
Max RM
Accidental death and/or permanent disablement
100,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
150
Weekly benefit for temporary partial disablement
75
Medical expenses
4,000
Daily hospital income
75
Ambulance fees
200
Bereavement allowance
1,000
Purchase of orthopaedic equipment
1,000
Personal liability
100,000
Plan 3
Starting from RM194.40/yr
Benefits
Max RM
Accidental death and/or permanent disablement
150,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
200
Weekly benefit for temporary partial disablement
100
Medical expenses
5,000
Daily hospital income
100
Ambulance fees
200
Bereavement allowance
1,500
Purchase of orthopaedic equipment
1,500
Personal liability
150,000
Plan 4
Starting from RM253.80/yr
Benefits
Max RM
Accidental death and/or permanent disablement
200,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
250
Weekly benefit for temporary partial disablement
125
Medical expenses
6,000
Daily hospital income
125
Ambulance fees
200
Bereavement allowance
2,000
Purchase of orthopaedic equipment
2,000
Personal liability
200,000
Plan 5
Starting from RM313.20/yr
Benefits
Max RM
Accidental death and/or permanent disablement
250,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
300
Weekly benefit for temporary partial disablement
150
Medical expenses
7,000
Daily hospital income
150
Ambulance fees
200
Bereavement allowance
2,500
Purchase of orthopaedic equipment
2,500
Personal liability
250,000
Plan 6
Starting from RM372.60/yr
Benefits
Max RM
Accidental death and/or permanent disablement
300,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
350
Weekly benefit for temporary partial disablement
175
Medical expenses
8,000
Daily hospital income
175
Ambulance fees
200
Bereavement allowance
3,000
Purchase of orthopaedic equipment
3,000
Personal liability
300,000
Plan 7
Starting from RM486.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
400,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
400
Weekly benefit for temporary partial disablement
200
Medical expenses
9,000
Daily hospital income
200
Ambulance fees
200
Bereavement allowance
3,000
Purchase of orthopaedic equipment
3,000
Personal liability
400,000
Plan 8
Starting from RM604.80/yr
Benefits
Max RM
Accidental death and/or permanent disablement
500,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
400
Weekly benefit for temporary partial disablement
200
Medical expenses
10,000
Daily hospital income
200
Ambulance fees
200
Bereavement allowance
3,000
Purchase of orthopaedic equipment
3,000
Personal liability
500,000
Plan 9
Starting from RM837.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
750,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
500
Weekly benefit for temporary partial disablement
250
Medical expenses
10,000
Daily hospital income
250
Ambulance fees
200
Bereavement allowance
3,000
Purchase of orthopaedic equipment
3,000
Personal liability
750,000
Plan 10
Starting from RM1080.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
1,000,000
Convalescence allowance
5,000
Funeral, cremation and repatriation expenses
2,000
Weekly benefit for temporary total disablement
500
Weekly benefit for temporary partial disablement
250
Medical expenses
10,000
Daily hospital income
250
Ambulance fees
200
Bereavement allowance
3,000
Purchase of orthopaedic equipment
3,000
Personal liability
1,000,000
Add-on
Traditional Chinese Medicine Expenses
Traditional Chinese Medicine (TCM) is an alternative form of treatment that incorporates a more holistic and natural approach to take care of one’s health and well-being. That is why we go above and beyond to ease the process of seeking TCM treatment and be reimbursed for its expenses should you opt for it as a treatment.
You can now extend your MSIG Personal Accident (PA) policy, if eligible, with an Add-on that provides an annual reimbursement limit for TCM Expenses, without having to first seek treatment at a clinic registered with the Ministry of Health Malaysia, provided that you have consulted and received your first treatment from a Chinese Physician who is duly licensed or registered with a Traditional Chinese Medicine Practitioners Board in Malaysia within five (5) days of sustaining an injury.
With this Add-on, you will be entitled to a separate reimbursement limit for TCM Expenses. The TCM reimbursement entitlement under the Medical Expenses Benefit of your MSIG PA policy will not be applicable. The Medical Expenses Benefit will be solely for the reimbursement of medical expenses incurred for treatment of an injury at a hospital or clinic.
Available with
Assisted Living
Accidents and unforeseen events can happen to anyone, turning life’s simplest tasks into insurmountable challenges. Imagine no longer being able to perform basic activities like dressing, eating, or moving without assistance.
MSIG PA Add-On: Assisted Living is designed to help ease your financial burden during these difficult times. Our benefits are structured to support assisted living and disability assessment expenses subject to the following conditions:
• You must be unable to independently perform at least 3 Activities of Daily Living (ADLs)1
• Your inability to perform at least 3 ADLs must be assessed and certified by a registered medical practitioner / doctor.
• Due to your inability to perform ADLs, you require nursing care or services:
▪ at a registered nursing home or care centre; or
▪ of a licensed nurse provided at your home.
• A follow-up assessment is required at 6 months after the initial certification of your inability to perform ADLs for reimbursement of claims.
Available with
Traditional Chinese Medicine Expenses
Traditional Chinese Medicine (TCM) is an alternative form of treatment that incorporates a more holistic and natural approach to take care of one’s health and well-being. That is why we go above and beyond to ease the process of seeking TCM treatment and be reimbursed for its expenses should you opt for it as a treatment.
You can now extend your MSIG Personal Accident (PA) policy, if eligible, with an Add-on that provides an annual reimbursement limit for TCM Expenses, without having to first seek treatment at a clinic registered with the Ministry of Health Malaysia, provided that you have consulted and received your first treatment from a Chinese Physician who is duly licensed or registered with a Traditional Chinese Medicine Practitioners Board in Malaysia within five (5) days of sustaining an injury.
With this Add-on, you will be entitled to a separate reimbursement limit for TCM Expenses. The TCM reimbursement entitlement under the Medical Expenses Benefit of your MSIG PA policy will not be applicable. The Medical Expenses Benefit will be solely for the reimbursement of medical expenses incurred for treatment of an injury at a hospital or clinic.
Available with
Assisted Living
Accidents and unforeseen events can happen to anyone, turning life’s simplest tasks into insurmountable challenges. Imagine no longer being able to perform basic activities like dressing, eating, or moving without assistance.
MSIG PA Add-On: Assisted Living is designed to help ease your financial burden during these difficult times. Our benefits are structured to support assisted living and disability assessment expenses subject to the following conditions:
• You must be unable to independently perform at least 3 Activities of Daily Living (ADLs)1
• Your inability to perform at least 3 ADLs must be assessed and certified by a registered medical practitioner / doctor.
• Due to your inability to perform ADLs, you require nursing care or services:
▪ at a registered nursing home or care centre; or
▪ of a licensed nurse provided at your home.
• A follow-up assessment is required at 6 months after the initial certification of your inability to perform ADLs for reimbursement of claims.
Available with
Frequently asked questions
All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia and their Dependents between 16 to 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.
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.
Please provide a written notice to the Company with full details within 7 days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG Branch or your insurance adviser to obtain a copy of the claim form. Submit the completed claim form here to the Company together with all relevant documents as soon as possible.
Just complete the attached proposal form here and send it to us, or your Insurance Adviser.
If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.
If you are still not satisfied with the decision, you can write either to the Customer Services Bureau of Bank Negara Malaysia or Ombudsman for Financial Services (OFS), free of charge.
Downloads
Individual Personal Accident Insurance Brochure with PDS
Individual Personal Accident Insurance Proposal Form
Traditional Chinese Medicine Expenses Leaflet - ENG & BM
Traditional Chinese Medicine Expenses Leaflet - CHI
Traditional Chinese Medicine Expenses PDS
Assisted Living Leaflet - EN & BM
Assisted Living Leaflet - CHI
Assisted Living PDS
Assisted Living 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).
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.
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.
Ready to get covered?
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