MSIG Individual Personal Accident Insurance

Stay financially protected from unfortunate and unexpected incidents with MSIG. Get the rest you need instead of having to worry about hefty medical bills caused by an accident, including weekly benefits if you are unable to work.

MSIG Individual Personal Accident Insurance
Accidental Death
up to RM1m
Permanent Disablement
up to RM1m
Medical Expenses
up to RM10k


What makes this insurance policy stand out?

Cover Type
  • For Individual
  • 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 Individual Personal Accident Insurance

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM50k up to RM1m 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM50k up to RM1m 
Temporary Total DisablementCash compensation if you are unable to work temporarily because of total disability.
from RM100 up to RM500 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM3k up to RM10k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM200 up to RM200 
Repatriation or Funeral ExpensesCost covered to return your body or ashes back to Malaysia, or for the funeral bills if you pass away.
from RM2k up to RM2k 
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
from RM500 up to RM3k 
Convalescence AllowanceCash allowance to cover some bills while you recover from a debilitating injury.
from RM5k up to RM5k 
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM50 up to RM250 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM50k up to RM1m 
Purchase Of Orthopaedic EquipmentAmount covered for braces, walking aids and other orthotic equipment to help your bones mend.
from RM500 up to RM3k 
Temporary Partial DisablementPartial compensation if you are temporarily only able to perform limited work after an accident.
from RM50 up to RM250 

How to Claim

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


Minimum Entry Age
At least 16 years of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

More Information

Tell me about MSIG Individual Personal Accident Insurance.

Do you want to live your life in constant anxiety over the unexpected? Well you could transfer some of the risks to MSIG over an annual premium and keep that fear at bay.

This personal accident policy will help you ride out the financial storm due to rising medical costs and other costs involved in getting you back in shape.

Moreover, you don’t want to leave nothing behind for when you’re no longer around, don’t you? There’s a solid reason behind every benefit offered.

What is so unique about this personal accident insurance?

The best thing about MSIG Individual Personal Accident Insurance is that you can claim for medical expenses for accidental-related admission AND for the treatment of Dengue Fever, Malaria, Chikungunya and Japanese Encephalitis (JE).

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 16 to 65 years.

How much premium do I have to pay?

There is only one plan under this personal accident policy that offer total coverage amount of up to RM50,000. Your total annual premium will be vary depending on MSIG’s underwriting requirements.

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.

Can I 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 and subject to MSIG retaining a minimum premium of RM60 (exclusive of GST).

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