Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG FlexiHealth

Illness can strike without warning, but MSIG can help. Cover all your medical needs while giving you the flexibility to choose the protection that you want.

    • Deductible Up To RM20000
    • Hospital Accommodation Up To 150 Days
    • Family Discount Starting At 10%
    • 15-Day Cancellation Refund

Apply online now for MSIG FlexiHealth

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How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM50000 up to RM200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM200000 up to RM800000
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM200 up to RM500per day
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      As Charged
    • Second Surgical Opinion
      In case you'd like the medical opinion of another specialist before undergoing surgery.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM20000 up to RM50000
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments if you are diagnosed with cancer.
      from RM20000 up to RM50000
    • Outpatient Stroke Treatment
      Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
      from RM20000 up to RM50000
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM20000 up to RM50000
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment due to an accident.
      As Charged
    • Pregnancy Complication
      Extra cover for medical cost resulting from complications during pregnancy.
      from RM3000 up to RM5000
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      As Charged
    • Ambulance Fees
      Charges for ambulance ride to the hospital and paramedic support.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM100 / As Charged per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      As Charged per day
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM100
    • Traditional Medical Treatment
      Alternative forms of therapy including acupuncture and visits to a sinseh.
      from RM1000 per year
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Ali, a 28 years old waiter is looking for a basic plan that he can afford without burning a hole in his pocket.

    Suggested PremiumRM629
    Get Quote
  • Office Admin

    Melinda is a clerk in her late early 40s who has worked long enough and wants to award herself with a good medical plan.

    Suggested PremiumRM1406
    Get Quote
  • Retiree

    Jack has reached the stage where he doesn't want to go YOLO anymore. He is 57 years old and getting a good insurance is his priority now.

    Suggested PremiumRM3209
    Get Quote

Actual premium rates will be determined by MSIG Insurance (Malaysia) Bhd and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

Suggested Premium is inclusive of 6% GST

How to Claim

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!

Medical Assistance Hotline & Services
 +60376283980 MSIG Assist 24-hour Hotline
MSIG Customer Care Hotline

Panel Hospitals

Find a hospital or clinic near you!


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about MSIG FlexiHealth

Things you might want to know

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 enrolment 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.

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