Underwritten by MSIG Insurance (Malaysia) Bhd

MSIG Senior Citizen Personal Accident Insurance

Enjoy your after-retirement living without worrying about the hefty medical and hospitalisation cost caused by an unfortunate personal accident.

    • Up to RM250k Accidental Death Benefit
    • Up to RM250k TPD Benefit
    • Up to RM2500 Medical Expenses Benefit
    • Refund On Early Cancellation

Get covered now with MSIG Senior Citizen Personal Accident Insurance

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What makes this insurance policy stand out?

  • Cover Type
    for senior citizen and couple
  • Maximum Entry Age
    protection up to 75 years of age
  • Worldwide Assistance
    24-hour worldwide assistance


How much you can claim for MSIG Senior Citizen Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM250000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM250000
  • 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 RM500 up to RM2500
    • Repatriation or Funeral Expenses
      Cost covered to return your body or ashes back to Malaysia, or for the funeral bills if you pass away.
    • 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.
      RM500 per week
    • Home Nursing
      How much you can claim for home nursing care, if certified by a hospital following an accident.
      RM125 per week
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM50000 up to RM250000
View more coverage details +


How much your premiums may cost

  • Assembly Line Worker

    Yong who has just turned 55 wants to protects herself from personal accident. She wants a budget plan from MSIG.

    Suggested PremiumRM79.50
    Get Quote
  • Homemaker

    65 years old Eva is looking for a personal accident insurance plan at mid-range budget.

    Suggested PremiumRM238.50
    Get Quote
  • Retiree

    Ravi who has just retired at the age of 69 wants a personal accident insurance regardless of the premiums so that he does not need to worry about the medical cost caused by an accident.

    Suggested PremiumRM365.70
    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

Your personal accident claim is valid for unfortunate event of death or injury that is caused by an accident.

Here's a few simple steps to file a claim.

First of all, notify MSIG at 603-7841 5620 immediately for any eligible claims.

To speed up your claims, the very next step is to complete and submit the claim form to MSIG and enclose with the medical report and original medical bills and receipts.

For fatal cases, here's the requested documents.

  • Copy of death certificate
  • Copy of police report
  • 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 55 years of age
Maximum Age
At most 75 years of age
Who can Apply
  • Malaysians
  • Permanent residents

Frequently Asked Questions about MSIG Senior Citizen Personal Accident Insurance

Things you might want to know

Entering the golden years shouldn’t be worrying when you have got the best personal accident protection plan at your disposal.

Who is this personal accident policy intended for?

This personal accident insurance policy is designed for senior citizens aged between 55 to 75 years, Malaysians or Permanent Residents, retired and not engaged in non-manual occupations.

What are the benefits can I get from MSIG Senior Citizen Personal Accident Insurance?

You will get seven complimentary benefits at a very low premium from 21 Malaysian cents per day up to 95 Malaysian cents. Plus, when you enroll your spouse together, a 15% discount will be deducted on premiums for both insured and spouse!

The coverage includes Accidental Death and/or Permanent Disablement, Convalescence Allowance, Hospital Income, Nursing Care, Medical Expenses, Personal Liability and Funeral, Cremation and Repatriation Expenses.

What else do I need to know about this PA insurance?

This is a cash-before-cover policy, meaning a full premium must be paid before the policy can become effective. Also, you must nominate a nominee for this personal accident plan.

To avoid misunderstanding, you can also request MSIG to view the actual insurance policy before you sign up.

What are the procedures to 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.

MSIG also has the right to retain a minimum premium amount of RM60 (exclusive of GST), whether or not any claims had been made.

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