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.

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.