MSIG Individual Personal Accident Insurance
Contact Details
Richtec Consultancy
Phone: 019-787 1313
No. 11-01, Jalan Mutiara Emas 2A, Taman Mount Austin, 81100 Johor Bahru, Johor
🛡️ MSIG Individual Personal Accident Insurance
MSIG Individual Personal Accident Insurance is a 24-hour worldwide plan dedicated to the safety of you and your family. It protects your financial security and lifestyle by covering day-to-day expenses and additional bills resulting from an accident. Designed for Malaysians and residents aged 16 to 65, this plan puts the well-being of your loved ones at the heart of our protection.
💎 Key Benefits & Coverage
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🕊️ Accidental Death & Permanent Disablement: Provides financial compensation for death or permanent disability caused by accidental means.
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💥 Wide Protection Scope: Coverage includes risks from Riot, Strike, Civil Commotion, and Hijacking.
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🏥 Medical Expenses Reimbursement: Reimburses costs for medical treatment due to an accident.
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🦟 Infectious Disease Extension: Includes reimbursement for treating Dengue Fever, Malaria, Chikungunya, and Japanese Encephalitis (JE).
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👨⚕️ Traditional Treatment: Reimburses Chinese Physician or Bonesetter expenses up to RM250 per consultation.
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⚖️ Personal Liability: Provides up to RM1,000,000 in cover for your legal liability toward third parties regarding injury or property damage.
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♿ Convalescence Allowance: Provides RM5,000 for home or vehicle alterations if the insured person is wheelchair-dependent for over 6 months.
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💰 Weekly Disability Benefit: Offers optional weekly income if you suffer Temporary Total or Temporary Partial Disablement.
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🏥 Hospital & Ambulance Support: Includes Daily Hospital Income during an accidental stay and Ambulance Fees up to RM200.
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🕯️ Compassionate Benefits: Includes a Bereavement Allowance and Funeral, Cremation, or Repatriation expenses
📊 Plan Options & Premiums
You can choose from 10 flexible plans based on your needs and occupation.
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💵 Affordable Entry: Plan 1 (Class 1, without weekly benefits) starts at an annual premium of RM75.60.
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📈 High-Value Protection: Plan 10 offers the maximum coverage level with premiums up to RM1,215.00 for Class 1.
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🏢 Occupation Classifications:
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Class 1: Professional administrative, managerial, clerical, and non-manual occupations.
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Class 2: Occupations involving supervisory duties, occasional manual work, or significant business travel.
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📝 Important Note: All premiums include 8% Service Tax. A RM10 stamp duty applies to each policy.
⚠️ Things to Note for Applicants
Before you apply, please take note of the following important requirements:
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🤝 Duty of Disclosure: You must take reasonable care to provide complete and accurate information in the proposal form. Failure to disclose relevant facts may affect your claim.
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💰 Cash Before Cover: This insurance is not effective unless the premium has been paid.
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👤 Policy Limit: You are entitled to purchase cover for only one selected plan of this Individual Personal Accident Insurance.
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✍️ Nomination: You must nominate a nominee and ensure they are aware of the policy you have purchased.
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📢 Claim Notice: You must provide written notice with full details to the Company within 7 days of an accident.
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🔄 Change of Details: You must advise the Company in writing as soon as there is any change in your employment, occupation, or duties.
📝 Eligibility & Exclusions
👤 Eligibility: Open to Malaysians, Permanent Residents, and Work Permit holders aged 16 to 65, renewable until age 70.
🛡️ PIDM Protection: Benefits under eligible products are protected by PIDM up to statutory limits.
❌ Major Exclusions: Does not cover war, suicide, self-inflicted injury, pregnancy, AIDS/STDs, drug abuse, or hazardous sports .
