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.

MSIG Senior Citizen Personal Accident Insurance
Accidental Death
up to RM250k
Permanent Disablement
up to RM250k
Medical Expenses
up to RM2.5k


What makes this insurance policy stand out?

Cover Type
  • For Senior Citizen
  • For Couple
Maximum Entry Age
Protection up to 75 years
Worldwide Assistance
24-hour worldwide assistance


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

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM50k up to RM250k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM50k up to RM250k 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM500 up to RM2.5k 
Repatriation or Funeral ExpensesCost covered to return your body or ashes back to Malaysia, or for the funeral bills if you pass away.
from RM2k up to RM2k 
Convalescence AllowanceCash allowance to cover some bills while you recover from a debilitating injury.
from RM5k up to RM5k 
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM500 up to RM500 per week
Home NursingHow much you can claim for home nursing care, if certified by a hospital following an accident.
from RM125 up to RM125 per week
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM50k up to RM250k 

How to Claim

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

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


Minimum Entry Age
At least 55 years of age
Maximum Entry Age
At most 75 years of age

More Information

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.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product