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 RM12000 Medical Expenses Benefit
    • Up to RM1m Accidental Death Or TPD 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 Or Permanent Disablement
    Amount paid if an accident results in death or permanent disablement of the policyholder.
    from RM200000 up to RM1000000
  • Weekly Benefit
    Extra cash payout if you are unable to work while you recuperate after an accident.
    Not Covered
  • 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 PremiumRM667.8
    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