What is MSIG Flexi Health?
MSIG Malaysia is part of the Mitsui Sumitomo Insurance network in Japan with a nationwide network of branches worldwide. MSIG FlexiHealth 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 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 plan?
Unlike many other medical plans, you can enrol for MSIG Flexi Health even if you're 59 years old! Your policy can be renewed until you reach the age of 80.
How much do I have to pay each year?
Your premium depends on your age at 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 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 Flexi Health policy to get up to 10% family discount on your premium payments.
Is this medical insurance policy renewable?
Yes absolutely! You can renew it 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 Flexi Health medical insurance plan:
- Plastic or cosmetic surgery
- Dental conditions such as dental treatment or oral surgery, unless caused by accidental injuries
- Pregnancy, child birth, miscarriage, abortion, and prenatal or postnatal care
- Suicide, attempted suicide or self-inflicted injury while sane or insane.
Can I cancel my policy anytime?
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.