Overview

Accidents can happen anytime, anywhere. Although you cannot prevent accidents, you can protect yourself and your family from the consequences. The MSIG Individual Personal Accident Plan is a 24-hour worldwide plan that will help you pay your day-to-day expenses and the additional bills caused by an accident. It will help you protect your family’s financial security at very affordable premiums.

Benefits

• Accidental Death or Permanent Disablement

  • For the whole family (yourself and/or your spouse and/or your children), between the ages of 16 to 65 and renewable up to 70 years.

  • Wide Personal Accident Coverage including Riot, Strike, Civil Commotion and Hijacking.

• Weekly Benefit for Temporary Total Disablement and Temporary Partial Disablement

• Medical Expenses

  • Up to amount of the Plan applied for -  incurred by the Insured Person in respect of any one accident which include Chinese Physician/Bonesetter expenses of maximum RM250 per consultation (The first received treatment must be at a clinic registered with Ministry of Health Malaysia)
  • Extended to cover reimbursement for treatment of Dengue Fever, Malaria, Chikungunya and Japanese Encepphalitis (JE)

• Daily Hospital Income

• Bereavement Allowance

• Purchase of Orthopaedic Equipment

• Personal Liability

  • Up to RM1,000,000 cover paid for your legal liability towards third parties in respect of injury and loss of or damange to property.

• Convalescence Allowance

  • RM5,000 per Insured Person for necessary alteration to dwelling or motor vehicle and any other medical aids should be Insured Person be continually dependent on a wheelchair for a period of not less than 6 months.

• Funeral, Cremation and Repatriation Expenses

  • Up to the amount of RM2,000 as a result of accidental death.

• Ambulance Fees

  • Up to the amount of RM200 in the event of an accident.

View General Exclusions and Important Notes >

Exclusions

Please refer to policy document for the full list of exclusions.

Important Notes

• 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 Individual Personal Accident Insurance only.

• The description of cover is 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.

• 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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