Any Malaysian and Permanent Resident residing in Malaysia who is between 18 and 59 years of age at first enrolment. Cover may be granted beyond age 59, provided the Insured Person is enrolled in the Plan before that age and has remained continuously covered thereafter, up to the maximum age of 80.

Pre-Existing Illnesses shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

1. The Insured Person had received or is receiving treatment;
2. Medical advice, diagnosis, care or treatment has been recommended;
3. Clear and distinct symptoms are or were evident; or
4. Its existence would have been apparent to a reasonable person in the circumstances.

Specified Illnesses shall mean the following disabilities and its related complications, occurring within the first 120 days of Insurance of the Insured Person:

1. Hypertension, Diabetes Mellitus, and Cardiovascular diseases
2. All tumours, cysts, nodules, polyps, stones of the urinary system and biliary system
3. All ear, nose (including sinuses), and throat conditions
4. Hernias, haemorrhoids, fistulae, hydrocele, varicocele
5. Endometriosis including disease of the Reproduction system
6. Vertebro-spinal disorders (including disc) and knee conditions.

No benefits shall be payable if you are living outside the Usual Country of Residence as defined in the policy for more than 3 consecutive months in any 12-month period, except for the permanent change in Usual Country of Residence notified and accepted in writing by the Company.

Yes, the policy shall not be liable for any claim arising from any cause other than an accident within the first 30 days of the inception date of the Policy. The waiting period for an early stage cancer is 60 days.

If you switch to another insurer and your current health status is less favourable to the new insurer, you may be imposed with new terms and exclusions and have to go through the standard waiting period before you can make any claim.

No, you don’t unless you have a medical history for which we may ask for your latest medical records.

A product with a survival period may only pay your claim if you can survive the stated period after being diagnosed, subject to the terms and conditions of the product. The survival period for a covered cancer is 14 days after diagnosis.

This is an annual renewable policy and premium will be adjusted when the Insured Person enters a higher age band.

There is a “Cooling-Off Period” of 15 days given to the Insured Person to review the suitability of the newly purchased MSIG EZ Cancer Care 365 Insurance. If the Policy is returned to the Company during this period, the full premium will be refunded to the Insured Person minus the administrative expenses incurred by the Company, if any.

After the “Cooling-Off Period”, you may cancel the cover at any time by giving written notice to the Company. However, the Company shall retain a premium in accordance with the short period scale. In the event of a claim, the Company reserves the right to retain 100% of the annual premium.

You can submit your claim notification:

1. online; or
2. by providing us with written notice together with the completed claim form and all relevant documents either by mail, email or walk in to our office within 30 days upon diagnosis which may give rise to a claim.

You may download a copy of the claim form here or contact any MSIG Branch to obtain the claim form.

If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.

If you have a complaint about our products or services, or you are not satisfied with the rejection or offer for any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.