Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG Generations Personal Accident Insurance

Want to get your family protected under one PA insurance? Here's one for you to protect yourself, spouse, parents and your kids. Also, free coverage is extended to your kids aged between 1 month and 17 years when you and your spouse are the policy holder.

    • Up to RM750k Accidental Death Benefit
    • Up to RM750k TPD Benefit
    • Up to RM20000 Medical Expenses Benefit
    • Refund On Early Cancellation

Get covered now with MSIG Generations Personal Accident Insurance

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What makes this insurance policy stand out?

  • Cover Type
    for family
  • Maximum Entry Age
    protection up to 70 years of age
  • Worldwide Assistance
    24-hour worldwide emergency medical assistance and evacuation services


How much you can claim for MSIG Generations Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM250000 up to RM750000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM250000 up to RM750000
  • 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 RM10000 up to RM20000
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM500000 up to RM1500000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
    • Medical Evacuation Or Repatriation
      Insured cost for emergency medical evacuation, or return of mortal remains if you pass away while traveling abroad.
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM7500 up to RM15000
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM100 up to RM200 per day, up to 365 days
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Jarod has a new member in his family and he's looking for a basic personal accident plan that covers his family.

    Suggested PremiumRM356.16
    Get Quote
  • Family

    Mr. Avi is looking for a personal accident plan that covers also his one-month old baby.

    Suggested PremiumRM568.16
    Get Quote
  • VIP

    R wants the best MSIG personal accident insurance plan that covers his family.

    Suggested PremiumRM727.16
    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

This personal accident insurance is available to claim on the event of death and injury caused by an accident. 

Here's what you need to do.

  • Notify MSIG immediately at 03-7841 5620 for any event that is eligible for claims.
  • Complete and submit the claim form to MSIG together with the medical report and original medical bills and receipts.
  • If the claim is related to death benefit, kindly prepare the following documents.
  1. Copy of police report
  2. Copy of death certificate
  3. Copy of post-mortem report
  4. Burial certificate
  5. Letter of administration
Customer Service Hotline
MSIG Claims Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 1 month of age
Maximum Age
At most 69 years of age
Maximum Renewal Age
At most 70 years of age
Who can Apply
  • Malaysians
  • Permanent residents
  • Work permit holders
  • Employment pass holders

Frequently Asked Questions about MSIG Generations Personal Accident Insurance

Things you might want to know

Considering an affordable insurance policy that cover your whole family in one plan? Then read on to find out more about MSIG Generations Personal Accident Insurance.

What can MSIG Generations Personal Accident Insurance provide for me?

MSIG ensures that you and your spouse/family are taken care of round-the-clock through Generations PA insurance plan.

If in any unlucky days you and/or your spouse got injured, severely disabled or perished in an accident, MSIG will compensate your beneficiary(s) a lump sum amount under accidental death and/or permanent disablement benefits, whichever comes first.

If you’re lucky to survive the fateful mishap, MSIG will pay for your medical expenses plus gives you daily hospital income during your hospitalization.

What is so unique about this personal accident plan?

When you sign up together with your spouse as principal insured, your children (aged between 1 month to 17 years) will enjoy similar coverage for free of charge.

This policy has also a built-in MSIG Assist feature, a 24-hour worldwide emergency medical assistance and evacuation services, applicable when you’re traveling abroad and in Malaysia, subject to a trip of more than 100km from the usual place of residence and not exceeding 90 days.

Who can apply for this PA policy?

MSIG offers this personal accident insurance to all Malaysians, permanent residents, passport holders with valid work permit aged between 18 to 69 years.

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 RM356.16 to RM727.16, 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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