Senior Citizen PA
Seniors' accident coverage with low premiums, tailored benefits and 24/7 global protection.
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
Because you need full coverage 24 hours a day, anywhere in the world, especially if you love travelling.
Convalescence Allowance
Because you may need to make alterations to your home to make it safer and more accessible should you be certified as wheelchair-bound by your doctor for minimum of 6 months.
Hospital Income
Because you should have extra cash on hand if you are hospitalised due to an accident (maximum of 15 weeks).
Nursing Care
Because you may be certified by your doctor that you need to hire special nursing care upon discharge (maximum of 4 weeks).
Personal Liability
Because you could be sued for causing accidental injury to someone or accidental damage to property.
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
- Hospital Income
- Nursing Care
- Medical Expenses
- Funeral, Cremation and Repatriation Expenses
- 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
- Government regulations or acts or authorities
- Suicide, self-inflicted injury, unlawful act or wilful exposure to peril (other than in an attempt to save a human life)
- Pregnancy, childbirth, physical or mental defect or infirmity
- AIDS or AIDS-related complex (ARC)
- Drug abuse unless the drug is taken in accordance with an authorised medical prescription (but not for the treatment of drug addiction)
- 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
- Act of Terrorism
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.
Plans
Plan 1
Starting from RM81.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
50,000
Convalescence allowance
5,000
Hospital income (per week)
500
Nursing care (per week)
125
Medical expenses
500
Funeral, cremation, repatriation expenses
2,000
Personal liability - Third party bodily injury/property damage
50,000
Plan 2
Starting from RM162.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
100,000
Convalescence allowance
5,000
Hospital income (per week)
500
Nursing care (per week)
125
Medical expenses
1,000
Funeral, cremation, repatriation expenses
2,000
Personal liability - Third party bodily injury/property damage
100,000
Plan 3
Starting from RM243.00/yr
Benefits
Max RM
Accidental death and/or permanent disablement
150,000
Convalescence allowance
5,000
Hospital income (per week)
500
Nursing care (per week)
125
Medical expenses
1,500
Funeral, cremation, repatriation expenses
2,000
Personal liability - Third party bodily injury/property damage
150,000
Plan 4
Starting from RM291.60/yr
Benefits
Max RM
Accidental death and/or permanent disablement
200,000
Convalescence allowance
5,000
Hospital income
500
Nursing care
125
Medical expenses
2,000
Funeral, cremation, repatriation expenses
2,000
Personal liability - Third party bodily injury/property damage
200,000
Plan 5
Starting from RM372.60/yr
Benefits
Max RM
Accidental death and/or permanent disablement
250,000
Convalescence allowance
5,000
Hospital income (per week)
500
Nursing care (per week)
125
Medical expenses
2,500
Funeral, cremation, repatriation expenses
2,000
Personal liability - Third party bodily injury/property damage
250,000
Add-on
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
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 and Permanent Residents who are retired or engaged in non-manual occupations between 55 to 75 years of age.
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 refund 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 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 BNMLINK of Bank Negara Malaysia or the Financial Markets Ombudsman Service (FMOS) (formerly known as Ombudsman for Financial Services (OFS)), free of charge.
Downloads
Senior Citizens Personal Accident Insurance Brochure with Product Disclosure Sheet (EN, BM)
Senior Citizens Personal Accident Proposal Form
Senior Citizens Personal Accident Insurance Product Disclosure Sheet (EN)
Senior Citizens Personal Accident Insurance Product Disclosure Sheet (BM)
Assisted Living PA Add-On Leaflet (EN, BM)
Assisted Living PA Add-On Leaflet (CH)
Assisted Living PA Add-On Product Disclosure Sheet (EN)
Assisted Living PA Add-On Product Disclosure Sheet (BM)
Assisted Living PA Add-On Proposal Form
Nomination
Nomination ensures that your loved ones receive the protection you intended and allows insurers to pay out policy moneys without delay.
If no nomination is made, the policy moneys will be paid to:
- your lawful executor (if you have a Will), or
- your lawful administrator (if no Will has been made).
This process may take time.
If there is no lawful executor or administrator, policy moneys will be paid to the rightful recipients in accordance with applicable distribution laws.
You may nominate any individual(s). However, not all nominations allow the nominee(s) to receive the policy moneys for their own use.
The outcome of a nomination depends on:
- your marital status;
- who you nominate; and
- whether you are a Muslim or non-Muslim policy owner.
For non-Muslim policy owners, nominations may result in either:
- a trust policy, or
- a non-trust policy.
To ensure your nominee(s) receive the policy moneys beneficially, a trust policy must be created.
A trust policy is created when:
- the nominee is your spouse or child; or
- the nominee is your parent, provided there is no living spouse or child at the time of nomination.
If you nominate individuals other than your spouse, children, or parents, a non-trust policy is created.
In this case, the nominee(s) will receive the policy moneys as executor only and must distribute them according to:
- your Will, or
- applicable distribution laws if there is no Will.
If you intend for such nominee(s) to receive the policy moneys for their own use, you must assign the policy benefits to them.
In short, if you nominate persons other than your spouse, children, or parents, consider assigning the policy benefits to avoid unintended outcomes. Please contact MSIG for further assistance.
For Muslim policy owners, nominee(s), regardless of their relationship to the Insured Person, may only receive the policy moneys as executor.
The policy moneys must be distributed in accordance with Islamic laws.
Disclaimer: The above FAQs are for general reference only. In the event of any inconsistency or dispute, the provisions under Schedule 10 of the Financial Services Act 2013 shall prevail.
Ready to get covered?
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