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.

MSIG Generations Personal Accident Insurance
Accidental Death
up to RM750k
Permanent Disablement
up to RM750k
Medical Expenses
up to RM20k


What makes this insurance policy stand out?

Cover Type
  • For Family
Maximum Entry Age
Protection up to 70 years
Worldwide Assistance
24-hour worldwide emergency medical assistance and evacuation services


How much you can claim for MSIG Generations Personal Accident Insurance

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM250k up to RM750k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM250k up to RM750k 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM10k up to RM20k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM500k up to RM1.5m 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM500 up to RM500 
Medical Evacuation Or RepatriationInsured cost for emergency medical evacuation, or return of mortal remains if you pass away while traveling abroad.
from RM1m up to RM1m 
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
from RM7.5k up to RM15k 
Hospital AllowanceThis 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

How to Claim

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

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


Minimum Entry Age
At least 1 months of age
Maximum Entry Age
At most 69 years of age
Maximum Renewal Age
At most 70 years of age

More Information

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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