Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG Prime Personal Accident Insurance

A long coverage term MSIG personal accident insurance that offers protection up to age of 80. Get 10% renewal bonus on sum assured when there's zero claim in the subsequent years.

    • Up to RM1m Accidental Death Benefit
    • Up to RM1m TPD Benefit
    • Up to RM12000 Medical Expenses Benefit
    • Refund On Early Cancellation

Get covered now with MSIG Prime Personal Accident Insurance

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What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 80 years of age
  • Worldwide Assistance
    24-hour helpline for emergency medical advice and assistance
  • Renewal Bonus
    10% increase of sum assured up to 50% for accidental death and permanent disablement


How much you can claim for MSIG Prime Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM200000 up to RM1000000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM200000 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 RM8000 up to RM12000
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
      from RM4000 up to RM6000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      RM500 per accident
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
    • Convalescence Allowance
      Cash allowance to cover some bills while you recover from a debilitating injury.
      from RM3000 up to RM5000
    • Compassionate Cover
      Extra cash benefit to family of policyholder if death is because of an accident.
      from RM100 up to RM200 up to 14 consecutive days
    • 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
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      from RM up to RM500 per accident
    • HIV Due To Blood Transfusion
      Insured coverage if you contract HIV as a result of a contamintated blood transfer.
      from RM20000 up to RM100000
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
      from RM5000 up to RM25000
    • Major Burn
      Total insured cover if you suffer 2nd and/or 3rd degree burns in an accident.
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
    • Snatch Theft
      For damage and loss of personal belongings if you're a victim of snatch theft.
    • Rehabilitation Benefit
      Extra reimbursement to help cover some of the costs while you recover.
      from RM3000 up to RM8000 up to RM200 per consultation
    • Purchase Of Orthopaedic Equipment
      Amount covered for braces, walking aids and other orthotic equipment to help your bones mend.
    • Miscellaneous Benefits
      MSIG Prime Personal Accident Insurance also provides the following benefit:
      Psychotherapy Expenses
      Recuperation Benefit
      Parent's Shield
      Search and Rescue Expenses
      Terrorism and Hijacking
View more coverage details +


How much your premiums may cost

  • Budget Planner

    John is 22 years of age. He doesn't have much cash to spare. He's looking for the most affordable personal accident plan.

    Suggested PremiumRM305.28
    Get Quote
  • Machinery Operator

    Mr. T is looking for a personal accident plan in mid range.

    Suggested PremiumRM1034.56
    Get Quote
  • Homemaker

    Madam Kwang has a family to take care of. She wants a regular personal accident insurance for her protection.

    Suggested PremiumRM667.80
    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

In the event of an incident covered by your policy, you should notify MSIG immediately if you or your family is qualified for the claim. To speed up your claim, complete and submit a claim form to MSIG as soon as possible together with the medical report and original medical bills and receipts.

For accidental death benefit, the required documents are as the following.

  • 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 69 years of age
Maximum Renewal Age
At most 80 years of age
Who can Apply
  • Malaysians
  • Permanent residents
  • Work permit holders
  • Employment pass holders

Frequently Asked Questions about MSIG Prime Personal Accident Insurance

Things you might want to know

Tell me about the Prime Personal Accident Insurance

MSIG Prime is one of the few personal accident insurance plans offered by MSIG Insurance. This plan comes with a fair few perks too. Aside from gaining a steady financial backing in case of emergency, the policy also offers you special coverage for some diseases, a renewal bonus and to a certain extent protection against a certain level of crime.

What does it cover?

Aside from accidental death and or total permanent disablement. The policy also covers medical expenses with reimbursements of up to RM12,000. These medical income benefit can be used for chiropractic treatment, traditional remedies, and Sinseh when it comes to accidental bodily injury.

The policy also includes an allowance for Family Care if you require a care giver to take your place at home during hospitalization. Therefore, if you have small children, elderly or a disabled person living with you, MSIG will provide care for them up to a period of 2 weeks.

You will have coverage for rehabilitation and physiotherapy, corrective dental surgery, major burns and even mental trauma, where you might require counseling. Also, as mentioned you will be receiving coverage against a certain level of crime with will include snatch theft, robbery, kidnapping, search and rescue, terrorism, and hijacking.

What are some of the exclusions for coverage?

Well some of the general exclusions include accidents or injury that is caused by your involvement in war or related risks, ionization, contamination and radiation. Anything pertaining to suicide and self-harm is also not included in the policy coverage. Pregnancy, childbirth, physical and mental deficiencies are also not covered under the plan.

The list of exclusions doesn’t end there so be sure to go over them at length with your insurance agent or adjuster.

How do the premiums work?

The premiums for this policy will vary according to the plan you choose, there are a total of 5 plans to choose from. So the ultimate decision of premiums paid will lie in your hands. MSIG premiums are calculated on an annual basis therefore you might only need to worry about payments once a year. 

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