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!

MSIG Healthcare International Insurance Medical CardInternational Cover
Annual Limit
up to RM2.2m
Lifetime Limit
Not applicable
Room & Board
up to RM400
Coverage Age
15 days - 55 years
No. of Panel Hospitals
106
Investment-Linked Plan
No

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Coverage

How much you can claim for hospital bills

Annual Limit
from RM150k up to RM2.2m
Lifetime Limit
Not applicable
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM250 up to RM400per day
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged 
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
from RM100k up to RM300k
Day Care Surgery
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Outpatient Kidney Dialysis Treatment
As charged 
Organ Transplant
from RM50k up to RM250k
Emergency Accidental Outpatient Treatment
As charged 
Maternity Death
As charged optional benefit
Pregnancy Complication
As charged optional benefit
Medical Evacuation and Repatriation
As charged up to RM700k
Emergency Dental Treatment
As charged 
Ambulance Fees
As charged 
Home Nursing Care
As charged up to 26 weeks
Medical Report Fee
As charged up to RM80
Permanent Total Disablement
As charged 

Features

Additional benefits with this insurance

Deductible
Up to RM100
Refund
15 days cancellation refund

How to Claim

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

Medical Assistance Hotline & Services
MSIG Customer Care Hotline

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!

Requirements

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

More Information

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 to 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.