MSIG FlexiHealth Medical Card

Illness can strike without warning, but MSIG FlexiHealth Medical Card can help. This medical insurance gives you the flexibility to choose the protection you want.

MSIG FlexiHealth Medical Card
Annual Limit
up to RM200k
Lifetime Limit
up to RM800k
Room & Board
up to RM500
Coverage Age
From 15 days
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM50k up to RM200k
Lifetime Limit
from RM200k up to RM800k
Pre-Hospitalisation Diagnostic Tests
As charged within 30 days prior to admission (60 days under Plan D)
Room & Board
from RM200 up to RM500per day
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 30 days prior to admission (60 days under Plan D)
Second Medical Opinion
As charged local only
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged 
Post-Hospitalisation Treatment
As charged within 60 days from discharge (90 days under Plan D)
Outpatient Kidney Dialysis Treatment
from RM20k up to RM50k
Outpatient Cancer Treatment
from RM20k up to RM50k
Outpatient Stroke Treatment
from RM20k up to RM50k
Organ Transplant
from RM20k up to RM50k
Day Surgery
As charged up to 60 days post surgery care
Emergency Accidental Outpatient Treatment
As charged 
Pregnancy Complication
from RM5k up to RM10koptional benefit
Emergency Dental Treatment
As charged 
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM100 per day
Insured Child Guardian Benefit
As charged per day
Home Nursing Care
As charged up to 26 weeks
Medical Report Fee
from RM100 
Traditional Medical Treatment
from RM1k per year


Additional benefits with this insurance

Up to RM50,000
15 days cancellation refund
Hospital Accommodation
Up to 150 days
Family discount
Up to 10%

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
MSIG Customer Care Hotline

Claim and get reimbursed for what is covered under your policy with no frills by following the straightforward steps below:

  1. Inform MSIG of your incident that gave rise to a claim by contacting their Assist Centre representatives at 03 7628 3980
  2. Fill up the claim form that you can download here with accurate details and have your attending doctor to fill up the second section of the form.
  3. Also, prepare the important documents such as original medical bill and receipts as an evidence of your claim.
  4. Gather all the documents above and submit them to your nearest MSIG branch.

There you go, only four easy steps to make a claim!


Minimum Entry Age
At least 15 days of age
Maximum Entry Age
At most 59 years of age
Maximum Renewal Age
At most 80 years of age

More Information

What is MSIG FlexiHealth Medical Card? 

MSIG Malaysia is part of the Mitsui Sumitomo Insurance network in Japan with a nationwide network of branches worldwide. 

MSIG FlexiHealth medical card provides financial help during hospitalisation, surgical fees, and outpatient treatment for both cancer and stroke.

You'll get protection for every stage of recovery from pre-hospitalisation diagnostic tests to hospital room and board benefits to home nursing services - it's the complete medical insurance package!

How about optional add-on benefits?

You have the flexibility to choose optional protection for critical illness coverage and maternity benefits to suit your needs.

Am I eligible for this medical insurance?

Unlike many other medical plans, you can enroll for MSIG FlexiHealth even if you're 59 years old! 

Your policy can be renewed until you reach the age of 80.

How much does this MSIG insurance cost each year?

Your MSIG insurance premium depends on your age at the time of enrollment and the medical plan you select.

Premiums are higher for those engaging in hazardous occupations or sports.

If you choose for the deductible option of up to 50%, your medical card premiums will become lower but you will have to fork out cash out of your own pocket for a portion of your medical bills.

Got a family? You can include your spouse and children in your MSIG FlexiHealth policy to get up to 10% family discount on your premium payments.

Is this MSIG medical card policy renewable?

Yes absolutely! You can renew your MSIG medical card every year - you may even get a discount for being loyal to MSIG!

What are some major exclusions under this policy? 

Below are a few notable exclusions under the MSIG FlexiHealth medical insurance plan:

  • Plastic or cosmetic surgery
  • Dental conditions such as dental treatment or oral surgery, unless caused by accidental injuries
  • Pregnancy, childbirth, miscarriage, abortion, and prenatal or postnatal care       
  • Suicide, attempted suicide or self-inflicted injury while sane or insane.

Can I cancel my MSIG FlexiHealth Medical Card policy?

Yes, you can after submitting a written notice to MSIG Insurance (Malaysia) Bhd. 

You will be entitled to a refund of the premium provided that no claims were made throughout the current policy year.

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