Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG PremierGuard Personal Accident Insurance

Get extended protection with weekly benefits from MSIG PremierGuard Personal Accident Insurance. Stay protected with accidental death and permanent disablement benefits even when you're at overseas.

    • Up to RM1m Accidental Death Benefit
    • Up to RM1m TPD Benefit
    • Up to RM11000 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 worldwide emergency medical assistance and evacuation services
  • Renewal Bonus
    10% increase of sum assured up to 50% for accidental death or permanent disablement


How much you can claim for MSIG PremierGuard 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.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM4000 up to RM11000
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM100000 up to RM2000000
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM5000 up to RM100000
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM75 up to RM300
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      from RM35 up to RM300
    • HIV Due To Blood Transfusion
      Insured coverage if you contract HIV as a result of a contamintated blood transfer.
      from RM5000 up to RM100000
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
      from RM5000 up to RM25000
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
    • Prostheses
      Total cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
    • Rehabilitation Benefit
      Extra reimbursement to help cover some of the costs while you recover.
    • Weekly Benefit
      Extra cash payout if you are unable to work while you recuperate after an accident.
      from RM50 up to RM500
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      RM200 per week up to RM1000 per accident
    • Miscellaneous Benefits
      MSIG PremierGuard Personal Accident Insurance also provides the following benefit:
      Search and Rescue Expenses
      Personal Effects
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Ms. K who had just started working is comfortable with a basic personal accident plan.

    Suggested PremiumRM72.08
    Get Quote
  • Machinery Operator

    Mr. E lives on an average income. He wants comprehensive coverage from personal accident insurance.

    Suggested PremiumRM358.28
    Get Quote
  • Office Admin

    Tan is looking for a personal accident plan in mid-range with weekly benefits.

    Suggested PremiumRM493.96
    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

Making a claim with MSIG can be very easy in just a few simple steps.

Notify MSIG immediately for the accidental death or injury that gives rise to a claim.

All you've got to do is prepare the required documents.

  • Claim form
  • Medical report
  • Original medical bills and receipts

If the claim is related to death benefits, you are required to prepare the following documents.

  • Claim form
  • Copy of police report
  • Copy of death certificate
  • Copy of post -mortem report
  • Burial certificate
  • 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
  • Malaysians
  • Permanent residents
  • Work permit holders
  • Employment pass holders

Frequently Asked Questions about MSIG PremierGuard Personal Accident Insurance

Things you might want to know

What is special about the PremierGuard?

The MSIG PremierGuard is a personal accident insurance policy that aims to keep you covered even in the worst of circumstances. It comes with great benefits to ensure your continued protection, reimbursement for selected medical expenses you might undertake and even a travel allowance for your family if you are receiving treatment somewhere overseas.

How much does the policy really cover?

In addition to accidental death and total permanent disability, the policy covers medical expenses up to a sum of RM200,000. It will offer you hospital income, weekly benefits and rehabilitation coverage in the case that you require these services.

But more often than not, personal accident insurance plans, benefit the family and loved ones of the insured, as they are the ones who will need help coping with your loss, should it come to that. Therefore, the policy offers a bereavement benefit of 10% of the sum assured should your death be caused by dengue, malaria or Japanese Encephalitis.

You will also have coverage for repatriation, the purchase of a prostheses or wheelchair, ambulance fees, corrective dental or selected cosmetic surgery, search and rescue expenses as well as HIV. Not to forget your family will receive a reimbursement benefit of up to RM5000 for funeral expenses and a payout from your personal liability coverage.

Any other benefits for this plan?

Well the plan also comes into effect in the event your personal effect sustain, loss or damage from the motor vehicle accident that lands you in a hospital. Other than that, you will be financially covered and have access to a certain amount of money if you were kidnapped and your family asked for a ransom.

Are there any exclusions I need to know about?

Sure, there are, this policy will not cover you, in the case you are involved in war and terrorism related offenses. There is also an array of medical dispositions that don’t fall under the umbrella of this policy, especially diseases related to drugs, alcohol, sexually transmitted diseases, insanity, mental illnesses, self-harm and so on

It also will not provide coverage for injuries and accidents pertaining to professional sports, air travel, unless you are a passenger on a passenger carrying aircraft, and contamination via radiation.

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