Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG Bodyguard Personal Accident Insurance

Stay financially protected from unfortunate personal accident with low annual premiums as low as RM69.96.

    • Up to RM200k Accidental Death Benefit
    • Up to RM200k TPD Benefit
    • Up to RM7500 Medical Expenses Benefit
    • Refund On Early Cancellation


What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 70 years of age
  • Worldwide Assistance
    24-hour helpline for emergency medical advice and assistance


How much you can claim for MSIG Bodyguard Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM200000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM200000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM3000 up to RM7500
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM3000 up to RM5000
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM50 up to RM100 per day up to 365 days
    • Rehabilitation Benefit
      Extra reimbursement to help cover some of the costs while you recover.
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      RM1000 RM200 per week
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Rose is looking for a basic PA insurance at lower premiums range.

    Suggested PremiumRM69.96
    Get Quote
  • School Teacher

    Em is an educator working in rural area. He's looking for the best PA insurance plan.

    Suggested PremiumRM218.36
    Get Quote
  • Machinery Operator

    Pak Jamil's at risk on his everyday job. He is looking for a comprehensive PA insurance from MSIG.

    Suggested PremiumRM356.16
    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

Death and injury caused by an accident is eligible for the personal accident insurance claim.

If the unfortunate happened, here's what you need to do.

  • Inform MSIG immediately at 03-7841 5620.
  • Complete and submit the claim form to MSIG and enclosed with the medical report and original medical receipts and bills. 
  • If death occurred, here's a few documents which are required by MSIG - copy of police report, copy of death certificate, copy of post-mortem report, burial certificate and letter of administration.
Customer Service Hotline
MSIG Claims Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 18 years of age
Maximum Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age
Who can Apply
  • Permanent residents
  • Work permit holders
  • Employment pass holders

Frequently Asked Questions about MSIG Bodyguard Personal Accident Insurance

Things you might want to know

Guard your body from any untoward incidences with a comprehensive personal accident protection plan from MSIG for as low as RM69.96 annually.

Why do I need a personal accident insurance?

If you are looking for an affordable insurance plan that provides term/life insurance-level coverage and does not eat up your monthly expenses, a personal accident insurance is the right way to go.

For as low as RM69.96 annually, you can ensure peace of mind and the welfare of your loved ones will be taken care of financially should your life take turn for the worse.

What do MSIG Bodyguard Personal Accident Insurance cover?

It is crucial for you to understand what this product offers to avoid dispute during claiming process. There are Accidental Death/Permanent Disablement benefits in the event you severely injured or perished due to accident.

Besides that, any expenses incurred during hospitalization will be reimbursed under Medical Expenses. To top it off, you will receive allowances for Rehabilitation, Bereavement, Daily Hospital Income and also Travel (for visiting family members).

Who is this personal accident insurance policy intended for?

MSIG has designed 3 protection plans with distinct coverage amount based on the classes of occupations. If you are involved in manual work that requires you to operate heavy machinery and tools, it is best for you to sign up any of these plans.

For those working in non-manual labor but are potentially exposed to risky environment, you can consider guarding yourself with this plan too.

How much premium do I have to pay?

Depending on the plan you have selected and MSIG’s underwriting requirements, your premium can range from RM69.96 to RM356.16, payable lump sum annually. 

You are also subject to a GST of 6% of the total annual premium, in addition to 25% commission to the insurance agent and RM10 Stamp Duty.

What are the procedures to cancel my policy?

MSIG requires a written notice from you before you can make any cancellation. You will get a refund of premium, which is based on pro-rata basis and depending on how long the cover has been in force.

MSIG also has the right to retain a 100% refund amount if you have lodged any claims during your coverage period.

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