Prime PA
Comprehensive accident coverage, including terrorism and hijacking, extending up to age 80.
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
Additional 3 New Plans
Wider Choice of Plans and Greater Affordability
Inclusion of Dependants (Spouse and Child(ren))
Extends coverage to the policyholder's dependants, including their spouse and children, under the same policy.
Accidental Death and/or Permanent Disablement
Includes Cover for Death or Disability caused by Third Party Acts of Terrorism and Hijacking.
Hospitalisation Allowances
- Daily Hospital Income
- Daily Family Care Allowance
- Recuperation Benefit
Special Coverage on Viral Diseases
- Medical Expenses for Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus.
- Bereavement Allowance for death caused by the above
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Accidental Death and/or Permanent Disablement
- Medical Expenses
- Hospital Income
- Convalescence Allowance
- Family care allowance
- Recuperation benefit
- Ambulance Fees
- Purchase of Orthopaedic Equipment / Prostheses
- Rehabilitation/Physiotherapy Expenses
- Corrective Dental and/or Cosmetic Surgery
- Major Burns Benefit
- Trauma Counselling / Psychotherapy Expenses
- Parent’s Shield
- Bereavement Allowance
- Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
- Snatch Theft / Robbery
- Death or Disability Due to Snatch Theft / Robbery
- Search and Rescue Expenses
- Kidnap benefit
- HIV as a result of a Blood Transfusion
- Terrorism and Hijacking
- MSIG Assist – 24-Hour Emergency Assistance Services
- Renewal Bonus
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
- Any crew, trade, technical or sporting activity in connection with an 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 contract for the full list of exclusions under this policy.
Plans
Plan A
Starting from RM115.56/yr
Benefits
Max RM
Accidental Death and/or permanent disablement
50,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
5,000
Daily hospital income, per day up to 365 days
30
Daily family care allowance, per day up to 14 days
30
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
2,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
1,000
Corrective Dental and/or Cosmetic Surgery
2,500
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
2,500
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
5,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
5,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
5,000
Personal Liability
50,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
Plan B
Starting from RM173.88/yr
Benefits
Max RM
Accidental Death and/or permanent disablement
100,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
6,000
Daily hospital income, per day up to 365 days
50
Daily family care allowance, per day up to 14 days
50
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
2,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
2,000
Corrective Dental and/or Cosmetic Surgery
3,000
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
5,000
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
10,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
10,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
10,000
Personal Liability
50,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
Plan C
Starting from RM232.20/yr
Benefits
Max RM
Accidental death and/or permanent disablement
150,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
7,000
Daily hospital income, per day up to 365 days
80
Daily family care allowance, per day up to 14 days
80
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
3,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
2,000
Corrective Dental and/or Cosmetic Surgery
3,500
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
7,500
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
15,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
15,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
15,000
Personal Liability
50,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
Plan D
Starting from RM297.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
200,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
8,000
Daily hospital income, per day up to 365 days
100
Daily family care allowance, per day up to 14 days
100
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
3,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
3,000
Corrective Dental and/or Cosmetic Surgery
4,000
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
10,000
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
20,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
20,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
20,000
Personal Liability
100,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
Plan E
Starting from RM401.76/yr
Benefits
Max RM
Accidental death and/or permanent disablement
300,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
9,000
Daily hospital income, per day up to 365 days
120
Daily family care allowance, per day up to 14 days
120
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
4,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
3,000
Corrective Dental and/or Cosmetic Surgery
4,500
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
15,000
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
30,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
30,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
30,000
Personal Liability
100,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
Plan F
Starting from RM600.48/yr
Benefits
Max RM
Accidental death and/or permanent disablement
500,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
10,000
Daily hospital income, per day up to 365 days
150
Daily family care allowance, per day up to 14 days
150
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
4,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
3,000
Corrective Dental and/or Cosmetic Surgery
5,000
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
25,000
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
50,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
50,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
50,000
Personal Liability
100,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
Plan G
Starting from RM845.64/yr
Benefits
Max RM
Accidental death and/or permanent disablement
750,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
11,000
Daily hospital income, per day up to 365 days
180
Daily family care allowance, per day up to 14 days
180
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
5,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
5,000
Corrective Dental and/or Cosmetic Surgery
5,500
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
37,500
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
75,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
75,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
75,000
Personal Liability
100,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
Plan H
Starting from RM1090.80/yr
Benefits
Max RM
Accidental death and/or permanent disablement
1,000,000
Medical expenses, including the cost of Chiropractor / Sinseh / Traditional Treatment up to RM500 per accident
12,000
Daily hospital income, per day up to 365 days
200
Daily family care allowance, per day up to 14 days
200
Recuperation benefit
1,000
Ambulance fees
500
Convalescence allowance
5,000
Purchase of Orthopaedic Equipment / Prostheses
20,000
Rehabilitation/Physiotherapy Expenses
8,000
Corrective Dental and/or Cosmetic Surgery
6,000
Major Burns Benefit
5,000
Trauma Counselling / Psychotherapy Expenses
3,000
Parent’s Shield, to each surviving parent up to 2 parents
50,000
Bereavement Allowance
5,000
Bereavement Allowance for Death Due To Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus
100,000
Snatch Theft / Robbery
500
Death or Disability Due to Snatch Theft / Robbery
100,000
Search and Rescue Expenses
5,000
Kidnap Benefit - Necessary expenses to recover the Insured
5,000
Kidnap Benefit - Reward for information leading to recovery of the Insured while alive
25,000
HIV as a result of a Blood Transfusion
100,000
Personal Liability
100,000
Terrorism and Hijacking
Covered
MSIG Assist – 24-Hour Emergency Assistance Services
Available
Renewable Bonus
Up to 100% of Principal Sum Insured
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 Dependants between 18 and 69 years of age at the date of first enrolment may apply and renew up to maximum age of 80 years.
Child(ren) must be between age 15 days and 21 years, unmarried and financially dependent on the Policyholder, extendable to 24 years if still in full-time higher education and not gainfully employed. A child has to be insured along with at least one parent.
Principal Sum Insured refers to the Accidental Death & Permanent Disablement Sum Insured at original inception as specified in the table of benefits excluding any bonus.
Major Burns is defined herein as third or higher degree burns with burnt areas equal to or greater than 10% of the total body surface area of the Insured. Third degree burns shall mean the destruction of all layers of the skin (epidermis and dermis) with damage to the tissues beneath.
- Acts of terrorism or hijacking?
Yes, these benefits are payable in the event of death or disablement due to terrorism and hijacking, subject to the terms and conditions of the Policy. - Dengue Fever, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus?
These benefits are not payable since the death is caused by an illness. However we will pay Bereavement Allowance for Death due to Dengue, Malaria, Chikungunya, Japanese Encephalitis (JE) and Zika virus which is 10% of the Principal Sum Insured. - Snatch theft or robbery?
Yes, we will pay the above benefits for death caused by or arising from snatch theft or robbery. - HIV as a result of blood transfusion?
These benefits are not payable since the death is caused by an illness. Lump sum payment will be made upon confirmed infection with the HIV occurring within 2 years from the date of medically necessary blood transfusion following an accident.
You may upgrade or downgrade your plan upon the next renewal. Any change of plan will cause the accumulated Renewal Bonus to be forfeited and begin anew. Kindly contact any MSIG Branch or your Insurance Adviser for assistance.
Downloads
MSIG Prime Personal Accident Insurance Brochure with PDS
MSIG Prime Personal Accident Insurance Proposal Form
MSIG Prime Personal Accident Insurance Chinese Insert
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).
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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