Mini PA
Basic accident coverage providing financial support for accidental disability or death.
Important notice
You are advised to note the scale of benefits for death and disablement in your insurance policy. Where applicable, 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
This benefit provides a payout in the event of accidental death or permanent disability caused by an accident. The amount varies depending on the chosen plan.
Bereavement Allowance
This benefit provides a fixed allowance to the beneficiaries of the insured in the event of the insured’s death. The amount is the same for all plans, RM500.
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Accidental Death and/or Permanent Disablement
- 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)
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.
Plans
Plan A
Starting from RM13.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
12,000
Bereavement allowance
500
Plan B
Starting from RM26.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
24,000
Bereavement allowance
500
Plan C
Starting from RM39.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
36,000
Bereavement allowance
500
Plan D
Starting from RM47.17/yr
Benefits
Max RM
Accidental death and/or permanent disablement
48,000
Bereavement allowance
500
Plan E
Starting from RM75.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
75,000
Bereavement allowance
500
Frequently asked questions
All Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia between 16 to 65 years of age at the date of first enrolment may apply and renew up to the maximum age of 100 years.
Yes, you will be paid on top of your other personal accident policies in the event of an Accidental Death or Permanent Disablement.
You may cancel the policy at any time by notifying us in writing via email or letter. There will be no refund for the premium paid. However, if you wish to cancel the policy within the 15-day free-look period, we shall refund the entire premium you initially paid.
The Company may cancel the policy by sending 7 days’ notice by recorded delivery letter or registered letter to your last known address. The refund of premium is based on pro-rate basis and subject to our retaining the minimum premium and the prevailing Service Tax. The return of premium will depend on how long the cover has been in force and provided no claim has been made during the current period of insurance.
You can submit your claim notification:
- Online; or
- by providing us with written notice together with the completed claim form and all relevant documents as per the Documents Checklist either by mail, email or walk in to our office upon receiving notice of or sustaining any injury arising from an accident that may give rise to a claim.
Documents Checklist
- For Permanent Disablement Case
- Medical Report from A Medical Specialist
- For Fatal Case
- Copy of Death Certificate
- Copy of Post-Mortem Report
- Letter of Administration/ Grant of Probate if there is no nomination
You may download a copy of the claim form here or contact any MSIG Branch to obtain the claim form.
If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.
Downloads
Brochure and PDS
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?
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