Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG Healthcare International Insurance Medical Card

Enjoy lower medical bills with free admission to panel hospitals, international travel assistance, and home nursing benefits. Choose a plan that suits your lifestyle!

    • Deductible Up To RM100
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for MSIG Healthcare International Insurance Medical Card

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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 RM150000 up to RM2200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM250 up to RM400per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      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.
      from RM100000 up to RM300000
    • Day Care Surgery
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist 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
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM50000 up to RM250000
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • Maternity Death
      Compassion benefits for policyholder's family if death is pregnancy-related.
      As Charged optional benefit
    • Pregnancy Complication
      Extra cover for medical cost resulting from complications during pregnancy.
      As Charged optional benefit
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      up to RM700000
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 26 weeks
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      up to RM80
    • Permanent Total Disablement
      Compensation for total and permanent disablement due to sickness.
      As Charged
View more coverage details +


How much your premiums may cost

  • School Teacher

    Parameswaran is a new primary school teacher at the age of 32 who is living within his means. He is satisfied with an economic plan.

    Suggested PremiumRM841.00
    Get Quote
  • Young Entrepreneur

    Having hit by failure for a numerous times throughout her career, Sandra Lee, a 30 years old entrepreneur wouldn't take chances on anything ever again.

    Suggested PremiumRM1586.00
    Get Quote
  • VIP

    Being one of the most popular actors in Hollywood, Chris Heaven who just turned 45 is going all out to get a plan that matches his status.

    Suggested PremiumRM1930.00
    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.

How to Claim

Making a claim is not as hard as you think, follow the simple guide below step by step and MSIG will have your claims processed in no time.

1) The very first thing you must always do is to notify MSIG of any possibility of claim and describe the situation to them.

2) Download the claim form here and submit the completed form to MSIG within 30 days of discharged. Note that your attending doctor has to fill up part two of the form and initial at the bottom before submission.

3) Get ready the following documents and submit them together with your claim form:

  • Original medical bills
  • Original medical receipt
  • Medical report

4) MSIG will handle everything from here on and will notify you of the result.

If you need any claim assistance, you can contact MSIG Assist at 03 7628 3980 anytime of the day!

Medical Assistance Hotline & Services
 +60376283980 24-hour worldwide assistance services
MSIG Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 15 days of age
Maximum Entry Age
At most 55 years of age
Coverage Expiry Age
At most 80 years of age

Frequently Asked Questions about MSIG Healthcare International Insurance Medical Card

Things you might want to know

What is the main highlight of this MSIG medical insurance?

Want higher coverage for healthcare? This medical card allows you to choose a plan that best suits your lifestyle and budget - upgrade your plan to optional benefits such as international cover, maternity, and outpatient services. 

You may have auto insurance protection from your credit card - but that's hardly enough! With the premier or golden premier plans, you get international hospitalisation cover whenever you're abroad no matter for business or holiday.

Does this policy cover organ transplants?

Yes it does! You'll be able to use your MSIG medical card for kidney, heart, liver, lung, and bone marrow transplant operations. However, the cost of obtaining donor organs not included

How much do I need to pay for MSIG Healthcare International Insurance?

The premiums vary depending on age and your chosen healthcare plan. 

Can I upgrade my room anytime?

Yes, you can. If you're hospitalised and given a room with a higher board rate than what's covered in your insurance policy, you'll need to bear 20% of the other eligible benefits stated in your policy.

Does this medical card offer outpatient service?

Yes, but only if you subscribe for the Golden Premier Plan. Among the services included are general practitioner and specialist consultations, diagnostic services as well as the prescription drugs. 

Bear in mind that the services are subjected to deductible of RM100 per doctor's visit. It means that you have to pay RM100 before you file a claim from MSIG.

Tell me more about the optional maternity benefit?

This benefit covers a lady up to RM3,000 per pregnancy per year for a normal delivery and RM5,000 for a complicated delivery. The complete list of coverage include ante-natal, childbirth, and post-natal treatment for the mother. 

However, this benefit is only valid for women giving birth 12 months into their policy. So, this benefit is not valid for a new pregnant woman subscriber.

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