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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MSIG Flexi Protector Personal Accident Insurance is a 24-hour worldwide plan that will compensate you for death, disability or coma caused by accidental means. It includes a Financial Guard benefit, which eases the burden on your loved ones by covering your debts.
You may also choose to extend your coverage at an additional premium to include Optional Benefits listed as per our benefit table below.
Benefits
Benefits
Sum Insured (RM)
Basic Benefits
Plan A
Plan B
Plan C
Plan D
Accidental Death and/or Permanent Disablement
-
Adult
100,000
200,000
300,000
500,000
-
Child
50,000
100,000
150,000
250,000
Permanent Partial Disablement
Percentage of Sum Insured as specified in the Schedule of Disablement Benefits
Coma
-
Adult
100,000
200,000
300,000
500,000
-
Child
50,000
100,000
150,000
250,000
Financial Guard
Up to 60,000 for bank loan(s)/credit card outstanding balance from Hong Leong Bank or 20,000 from other licensed banks.
| Sum Insured (RM) | |||
|---|---|---|---|
| Plan A | Plan B | Plan C | Plan D |
| Accidental Death and/or Permanent Disablement | |||
|
|||
| 100,000 | 200,000 | 300,000 | 500,000 |
|
|||
| 50,000 | 100,000 | 150,000 | 250,000 |
| Permanent Partial Disablement | |||
Percentage of Sum Insured as specified in the Schedule of Disablement Benefits |
|||
| Coma | |||
|
|||
| 100,000 | 200,000 | 300,000 | 500,000 |
|
|||
| 50,000 | 100,000 | 150,000 | 250,000 |
| Financial Guard | |||
Up to 60,000 for bank loan(s)/credit card outstanding balance from Hong Leong Bank or 20,000 form other licensed banks. |
|||
Notes:
- The percentage of Sum Insured will be payable according to the compensation specified in the Policy Document if you and/or your family members suffer Permanent Disablement.
- Maximum indemnity payable under this policy will not exceed 100% of the Sum Insured.
- Please refer to the Policy Document for detailed information about Flexi Protector Personal Accident Insurance Schedule of Benefits.
Optional Benefits
When it comes to accidents, it always pays to take extra care. Enjoy a discount of up to 15% when you take up our optional benefits, and get an additional 5% off when you cover your loved ones as well. In return, we'll cover you for medical expense, snatch theft, specified infectious disease and more - so you can focus on recovery with fewer worries.
Extend your coverage with one of our 4 plans.
Sum Insured (RM)
Optional Benefits at Additional Premium
Plan A
Plan B
Plan C
Plan D
Daily Hospital Income
(per day up to 90 days)
80
100
120
150
Medical Expenses
4,000
5,000
6,000
7,000
Education Allowance
50,000
Snatch Theft
3,000
Specified Infectious Diseases
1,000
Burns and Scarring
10,000
Home Modification
Up to 10,000
Hong Leong Bank Debit Card Shield
I. Identity Theft
Up to 10,000
II. ATM Withdrawal Protection
Up to 2,000
Sum Insured (RM)
Optional Benefits at Additional Premium
Plan A
Plan B
Plan C
Daily Hospital Income for Dengue
120
240
360
Optional Benefits at Additional Premium
| Sum Insured (RM) | |||
|---|---|---|---|
| Plan A | Plan B | Plan C | Plan D |
| Daily Hospital Income (per day up to 90 days) | |||
| 80 | 100 | 120 | 150 |
| Medical Expenses | |||
| 4,000 | 5,000 | 6,000 | 7,000 |
| Education Allowance | |||
50,000 |
|||
| Snatch Theft | |||
3,000 |
|||
| Specified Infectious Diseases | |||
1,000 |
|||
| Burns and Scarring | |||
10,000 |
|||
| Home Modification | |||
Up to 10,000 |
|||
|
Hong Leong Bank Debit Card Sheild
|
|||
| I. Identity Theft | |||
Up to 10,000 |
|||
| II. ATM Withdrawal Protection | |||
Up to 2,000 |
|||
| Sum Insured (RM) | |||
|---|---|---|---|
| Plan A | Plan B | Plan C | |
| Daily Hospital Income for Dengue | |||
| 120 | 240 | 360 | |
Notes:
- Specified Infectious Diseases benefit shall automatically be terminated once a claim is made under this benefit during the period of insurance. Any specified infectious diseases arising within the first fourteen (14) days of the Insured Person's cover is excluded.
- Daily Hospital Income for Dengue benefit is not payable if the insured person is hospitalised for treatment of dengue fever within the first fourteen (14) days when the insured person is first covered and shall not be applicable after the first year of cover unless there is a break in insurance.
Premium
Premium
Premium (RM)
Basic Benefits
Plan A
Plan B
Plan C
Plan D
Individual
119.00
210.00
301.00
483.00
Child
46.00
91.00
137.00
228.00
| Premium (RM) | |||
|---|---|---|---|
| Plan A | Plan B | Plan C | Plan D |
| Individual | |||
| 119.00 | 210.00 | 301.00 | 483.00 |
| Child | |||
| 46.00 | 91.00 | 137.00 | 228.00 |
Note:
- You are obligated to pay any applicable taxes (which include but not limited to service tax and RM10 stamp duty) imposed by the Malaysian tax authorities in relation to your Policy.
- Enjoy a discount of up to 15% when you take up our optional benefits, and get an additional 5% off when you cover your loved ones as well.
Learn More
MSIG Flexi Protector Personal Accident Insurance consists of plans which can be renewed annually.
Download the coverage details below to learn more.