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.

MSIG Prime Personal Accident Insurance
Accidental Death
up to RM1m
Permanent Disablement
up to RM1m
Medical Expenses
up to RM12k


What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 80 years
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 DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM200k up to RM1m 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM200k up to RM1m 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM8k up to RM12k 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM4k up to RM6k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM500 up to RM500 per accident
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
from RM5k up to RM5k 
Convalescence AllowanceCash allowance to cover some bills while you recover from a debilitating injury.
from RM3k up to RM5k 
Compassionate CoverExtra cash benefit to family of policyholder if death is because of an accident.
from RM100 up to RM200 up to 14 consecutive days
Hospital AllowanceThis 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 TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
up to RM500 per accident
HIV Due To Blood TransfusionInsured coverage if you contract HIV as a result of a contamintated blood transfer.
from RM20k up to RM100k 
KidnapCover benefits provided by the insurer if policyholder is kidnapped.
from RM5k up to RM25k 
Major BurnTotal insured cover if you suffer 2nd and/or 3rd degree burns in an accident.
from RM5k up to RM5k 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM100k up to RM100k 
Snatch TheftFor damage and loss of personal belongings if you're a victim of snatch theft.
from RM500 up to RM500 
Rehabilitation BenefitExtra reimbursement to help cover some of the costs while you recover.
from RM3k up to RM8k up to RM200 per consultation
Purchase Of Orthopaedic EquipmentAmount covered for braces, walking aids and other orthotic equipment to help your bones mend.
from RM1k up to RM1k 

How to Claim

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

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


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 69 years of age
Maximum Renewal Age
At most 80 years of age

More Information

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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