Overview

Good protection shouldn’t just prepare you for the unexpected. It should help you plan for what’s ahead too. That’s why we go above and beyond with MSIG Prime Personal Accident Insurance. It offers an extensive protection against accidents, including those due to acts of terrorism and hijacking. Plus, it also has a long coverage term, so you’ll continue to enjoy a comprehensive protection up to age 80.

Benefits

• Additional 3 New Plans

• Inclusion of Dependants (Spouse and Child(ren))

• Accidental Death and/or Permanent Disablement

• Hospitalisation Allowances

• Special Coverage on Viral Diseases

• Protection Against Losses due to Crimes

• Value Add Service - MSIG Assist

• Treatment for Accidental Bodily Injuries

• Additional Expenses resulting from an Accident

• Financial Relief for Family

• Other Benefits - HIV caused by Blood Transfusion and Personal Liability

• Unique Features - Renewal Bonus up to 100%
  

View General Exclusions and Important Notes >

General Exclusions

• 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, AIDS related complex.

• 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

• Hazardous activities including but not limited to mountaineering necessitating the use of ropes and other climbing equipment, offshore activities beyond 5 km off any coastline and including rafting or canoeing involving white water rapids, bungee jumping, all aerial activities, underwater activities involving the use of compressed air or gas to a depth of more than 18 m, any form of martial arts, racing (other than on foot or swimming) or trial of speed or reliability.

Important Notes

• The indemnity provided by Personal Liability benefit will not apply in respect of judgements which are not in the first instance delivered by or obtained from a Court of competent jurisdiction within Malaysia nor to the orders obtained in the said Court for the enforcement of the judgements made outside Malaysia by way of reciprocal provisions or otherwise.

• The insurance shall not be effective unless the premium payable has been paid.

• You are entitled to purchase cover for one Selected Plan of this Prime Personal Accident Insurance only.

• The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the Policy Document.

• You can request to view the actual insurance policy before you sign up. Kindly contact MSIG Customer Service for assistance.

• You are obligated to pay any applicable taxes (which include but not limited to service tax and stamp duty) imposed by the Malaysian tax authorities in relation to your Policy.

• In the event of a conflict between the English and the translated versions of the brochure, the English version shall prevail.
  

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