MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).

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Flexi Home Guard Insurance is a comprehensive insurance policy that provides protection for both your home and its contents. It offers up to four different levels of sum insured for the contents of your home, as well as protection for the building itself. Refer to the sections below for more information on the benefits included in this policy:

Section I: Building
Section II: Home Contents

Extended Coverage ensures all-round home protection - Not only are your valuable possessions covered, MSIG Flexi Home Guard Insurance also takes care of those other costs which can arise from any unexpected mishap.

All Hong Leong Bank Berhad customers who are Malaysians, Permanent Residents residing in Malaysia, Work Permit/Employment Pass holders, or otherwise legally employed in Malaysia are eligible to apply for this plan. There are no other specific eligibility criteria.

Benefits

Sum Insured^ (RM)

Section I: Building

Covers loss or damage to the building caused by the following:

Fire, lightning thunderbolt, subterranean fire
Explosion
Aircraft damage
Impact damage by road vehicles or animals
Bursting or overflowing of water tanks, apparatus or pipes*
Theft but only if accompanied by actual forcible and violent entry or exit
Hurricane, cyclone, typhoon or windstorm**
Earthquake or volcanic eruption**
Flood excluding loss or damage caused by subsidence or landslip**
Robbery and hold up in the premises
Loss or rent up to the limit of 10% of total sum insured on building

You can expand the coverage under 'Section I - Building' to include additional benefits by paying an additional premium. The complete list can be found in the Product Disclosure Sheet.

To be determined by Insured

Section II: Home Contents

Up to total sum insured

Extended Coverage for Section II: Home Contents (Only applicable with minimum total Contents sum insured of RM25,000)

A. Loss of Personal Money at Home

1,500

B. Automatic Increase in Limit on Personal Money at Home During Festive Seasons^^ & Weddings^^^

3,000

C. Alternative Accommodation

Up to 300 per day

(max. 10,000)

D. Maintenance Fee Protection Benefit

Up to 3 months

(subject to 500 for any one loss or in aggregate)

E. Replacement of Window/Door/External Locks

2,000

F. Burglary/Robbery Harm Allowance

1,000 for any one loss

(3,000 in the aggregate)

G. Compensation for Death Due to Fire, Burglary, Robbery or Attempt Threat

100,000

H. Interior Decoration/Refurbishment/Renovation

2,000 per item

(max. 20,000)

In the event of loss or damage, the following excess will apply:

For peril marked with *, the first RM50.00 is not covered.

For peril marked with **, the first 1% of the total sum insured on building or RM200.00, whichever is less.

Note:

^The liability of the Company is limited to any one loss and in aggregate during any one period of insurance. Terms and conditions may apply.

^^Festive Seasons: Hari Raya Aidilfitri, Chinese New Year, Deepavali & Christmas.

^^^Wedding: Insured's or a member of Insured's family's wedding.

Section I: Building
Covers loss or damage to the building caused by the following: Fire, lightning thunderbolt, subterranean fire Explosion Aircraft damage Impact damage by road vehicles or animals Bursting or overflowing of water tanks, apparatus or pipes* Theft but only if accompanied by actual forcible and violent entry or exit Hurricane, cyclone, typhoon or windstorm Earthquake or volcanic eruption Flood excluding loss or damage caused by subsidence or landslip** Robbery and hold up in the premises Loss or rent up to the limit of 10% of total sum insured on building You can expand the coverage under 'Section I - Building' to include additional benefits by paying an additional premium. The complete list can be found in the Product Disclosure Sheet.
Sum Insured^ (RM)
To be determined by Insured

Section II: Home Contents
Indemnifies against loss of or damage to your home contents whilst contained in your private dwelling. Any one article Valuables
Sum Insured^ (RM)
Up to total sum insured
5% of the total sum insured on Contents 1/3 of the total sum insured on Contents

Extended Coverage for Section II: Home Contents (Only applicable with minimum total Contents sum insured of RM25,000)
Sum Insured^ (RM)
A. Loss of Personal Money at Home
1,500
B. Automatic Increase in Limit on Personal Money at Home During Festive Seasons^^ & Weddings^^^
3,000
C. Alternative Accommodation
Up to 300 per day (max. 10,000)
D. Maintenance Fee Protection Benefit
Up to 3 months (subject to 500 for any one loss or in aggregate)
E. Replacement of Window/Door/External Locks
2,000
F. Burglary/Robbery Harm Allowance
1,000 for any one loss (3,000 in the aggregate)
G. Compensation for Death Due to Fire, Burglary, Robbery or Attempt Threat
100,000
H. Interior Decoration/Refurbishment/Renovation
2,000 per item (max. 20,000)

In the event of loss or damage, the following excess will apply:

For peril marked with *, the first RM50.00 is not covered.

For peril marked with **, the first 1% of the total sum insured on building or RM200.00, whichever is less.

Note:

^The liability of the Company is limited to any one loss and in aggregate during any one period of insurance. Terms and conditions may apply.

^^Festive Seasons: Hari Raya Aidilfitri, Chinese New Year, Deepavali & Christmas.

^^^Wedding: Insured's or a member of Insured's family's wedding.

Optional Benefits

To give you extra reassurance and security, we offer a variety of add-on options to ensure you have comprehensive protection. This way, you can feel confident and at ease knowing that you're fully covered.

Sum Insured (RM)

Annual Premium (RM)

Benefits

Plan 1

Plan 2

Plan 3

Plan 1

Plan 2

Plan 3

A. Malicious Damage By Tenant

2,000

3,000

5,000

B. Worldwide Coverage For Personal Belongings

1,000 for any one item

(max 3,000)

C. Worldwide Personal Liability

2,000,000 in aggregate (Worldwide)

1,000,000 in aggregate (USA and Canada)

Sum Insured (RM) Annual Premium (RM)
Plan 1		Plan 2		Plan 3
A. Malicious Damage By Tenant
2,000	31	3,000	47	5,000	78
B. Worldwide Coverage For Personal Belongings
1,000 for any one item (max 3,000) 49
C. Worldwide Personal Liability
2,000,000 in aggregate (Worldwide) 1,000,000 in aggregate (USA and Canada) 50

Note:

The sum insured for Section I is to be determined by Insured.
The sum insured for Section II and optional coverage are fixed as per the above table benefit.

Duration of cover is for 1 year. It may be renewed on each anniversary of the date of inception of the Policy by payment of the premium determined by the MSIG Insurance (Malaysia) Bhd at the time of renewal.

Please refer to Policy Document for detailed information about Flexi Home Guard Insurance's schedule of benefits.

Premium

Sum Insured (RM)

Annual Premium (RM)

Benefits

Plan 1

Plan 2

Plan 3

Plan 4

Plan 1

Plan 2

Plan 3

Plan 4

Section I: Building

Sum Insured on building determined by insured + 3,000 on Home Content

To be determined by Sum Insured

Section II: Home Contents

25,000

50,000

75,000

100,000

143

244

337

439

Sum Insured (RM) Annual Premium (RM)
Plan 1		Plan 2		Plan 3		Plan 4
Section I: Building
Sum Insured on building determined by insured + 3,000 on Home Content To be determined by Sum Insured
Section II: Home Contents
25,000	143	50,000	244	75,000	337	100,000	439

Note:

Learn More

Download the coverage details below to learn more.

Product Disclosure Sheet

Policy Wording

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Flexi Home Guard Insurance

Benefits

Benefits

Benefits

Sum Insured^ (RM)

Optional Benefits

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