Overview

Your home is an investment. But not just any investment. It's one that grows physically and emotionally with you. MSIG understands that you have your heart in safeguarding your home contents and family. That's why we go above and beyond with MSIG All-In-Home Insurance. It gives you the flexibility to choose the extent of coverage you want. So as your investment grows,so does its protection

Benefits

• Comprehensive coverage for your contents and home in 1 single policy.

• Value for money (with 18 extended coverage)

• One pricing factor in accordance to home contents Sum Insured 

• An all-in-one packaged product

• Interior decoration/refurbishment/renovation coverage;including automatic increase in limit

• Automatic increase in limit on personal money at home during festive seasons & wedding.

• Burglary / robbery harm allowance

• Motor loyalty allowance

• Maintenance fee protection benefit

• Wider age limit for personal accident coverage

View General Exclusions and Important Notes >

General Exclusions 

• Wilful or intentional acts

• War and related risks.

• Government Regulations or Acts of Authorities.

• Atmospheric conditions, wear and tear, and deterioration

• Mechanical or electrical breakdown or defect

• Consequential loss or legal liability of whatsoever in nature

• Loss caused by voluntary parting of title or possession of any property by the Insured or others to whom the property may be entrusted

• Suicide, self-inflicted injury or wilful exposure to perils and unlawful acts.

• Pregnancy, childbirth, physical or mental defect or infirmity

• Hazardous sports including parachuting, hang-gliding,mountaineering,racing of any kind(exclude on foot or swimming), pot-holing,skydiving and all professional sports.

• Air travel except as a passenger in a fully licensed passenger-carrying aircraft

• Acts of Terrorism

Important notes

• Your home must be of Class 1A construction and not used for running a business

• Different sub-limits apply on extended coverage specified in Section I.

• The indemnity provided under Section III shall not apply to or include compensation for damages in respect of judgement not in the first instance delivered by or obtained from the Court of competent jurisdiction within Malaysia.

• Your attention is drawn to the Premium Warranty attached to the policy. By this warranty, the insurance policy is automatically cancelled unless the full premium is paid to the insurer within 60 days from the commencement date of cover.

• 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.

• Please be informed that a 6% Service Tax will be charged with effect from 1 September 2018 for all taxable general insurance policies with period of insurance commencing on or after 1 September 2018 or policies spanning across 1 September 2018 (pro-rated charge).

• 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 this brochure, the English version shall prevail.

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