Underwritten by MSIG Insurance (Malaysia) Bhd

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.

    • Up to RM1m Accidental Death Benefit
    • Up to RM1m TPD Benefit
    • Up to RM10000 Medical Expenses Benefit
    • Refund On Early Cancellation

Get covered now with MSIG Individual Personal Accident Insurance

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What makes this insurance policy stand out?

  • Cover Type
    for individual and 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 Individual Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM1000000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM1000000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    from RM100 up to RM500
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM3000 up to RM10000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
    • Repatriation or Funeral Expenses
      Cost covered to return your body or ashes back to Malaysia, or for the funeral bills if you pass away.
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM500 up to RM3000
    • Convalescence Allowance
      Cash allowance to cover some bills while you recover from a debilitating injury.
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM50 up to RM250
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM50000 up to RM1000000
    • Purchase Of Orthopaedic Equipment
      Amount covered for braces, walking aids and other orthotic equipment to help your bones mend.
      from RM500 up to RM3000
    • Temporary Partial Disablement
      Partial compensation if you are temporarily only able to perform limited work after an accident.
      from RM50 up to RM250
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Nurul who is fresh out of university has just turned 23 years old. She wants a basic personal insurance plan.

    Suggested PremiumRM74.00
    Get Quote
  • School Teacher

    En. Mohan wants to get financial protection from unexpected accidents, and is looking for a mid-range plan with weekly benefits.

    Suggested PremiumRM477.00
    Get Quote
  • Machinery Operator

    Mr. Koo is looking for a personal accident insurance with the best coverage to protect himself financially in case of a personal injury.

    Suggested PremiumRM1304.00
    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

Customer Service Hotline
MSIG Claims Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 16 years of age
Maximum Age
At most 65 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 Individual Personal Accident Insurance

Things you might want to know

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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