Individual Personal Accident Insurance - HLB

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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).

Wherever you are, you can trust that we will be there for you any time or day with Individual Personal Accident Insurance, a worldwide coverage against accidental death, permanent disablement, and a lump sum payment in the event you are diagnosed with any of the Specified Infectious Diseases.

Here's what you need to know about the Individual Personal Accident Insurance - HLB:


    Covers Accidental Death and Permanent Disablement.

    Under Specified Infectious Disease, lump sum payment is payable upon diagnosed with mosquito borne disease*, rabies or hand, foot and mouth disease, subject to benefit limits, terms and conditions.

    The policy can also be extended to cover additional benefits like Medical Expenses, Daily Hospital Income, Double Indemnity and Ambulance Fees arising from accidental injuries with additional premium.

Benefits

Benefits

Sum Insured (RM)

Benefits

Plan P50

Plan P100

Plan P150

Plan P200

Plan P300

Plan P500

Plan P750

Plan P1K

Accidental Death

50,000

100,000

150,000

200,000

300,000

500,000

750,000

1,000,000

Permanent Disablement

Up to 50,000

Up to 100,000

Up to 150,000

Up to 200,000

Up to 300,000

Up to 500,000

Up to 750,000

Up to 1,000,000

Convalescene Allowance

5,000

Funeral, Cremation & Repatriation Expenses

2,000

Specified Infectious Diseases (Mosquito borne disease, Rabies or Hand, foot and mouth disease (HFMD), only one claim per period of insurance)

500

1,000


Notes:

  • The percentage of sum insured will be payable according to the compensation specified in the Policy Wording if Insured Person suffered Permanent Disablement.
  • Maximum indemnity payable under this Policy will not exceed 100% of the sum insured except for Double Indemnity benefit where the maximum payable is 200%.
  • Double Indemnity is payable if an accident occurs whilst you are traveling in or boarding on any licensed public transport as a fare paying passenger to and from or in overseas country for a period not exceeding ninety (90) days per trip, we will pay 200% of the sum insured for Accidental Death or Permanent Total Disablement as specified in the schedule. This benefit is applicable to be a Malaysian citizen, or permanent resident, or work permit or employment pass holder residing in Malaysia for at least forty (40) weeks in any fifty-two (52) week period whilst the cover is in force.
  • *Mosquito borne disease means disease transmitted by mosquito, which covered are dengue, malaria, Chikungunya and Japanese Encephalitis.
  • Specified Infectious Diseases benefit shall automatically be terminated once a claim is made under this benefit during the period of insurance. Any specified diseases arising within the first fourteen (14) days of the Insured Person's cover is excluded.
  • Please refer to the Policy Documents for more detailed information.

Optional Benefits

Optional Benefits

Sum Insured (RM)

Optional Benefits at Additional Premium

Plan P50

Plan P100

Plan P150

Plan P200

Plan P300

Plan P500

Plan P750

Plan P1K

Medical Expenses (due to accident)

1,000

2,500

3,000

4,500

7,000

10,000

17,000

22,500

Daily Hospital Income (Per day up to 90 days, due to accident)

75

100

200

250

300

Double Indemnity When Travelling Overseas

200% of Accidental Death / Permanent Disablement

Ambulance Fees (Due to accident)

500


Premium

Premium

Annual Premium (RM)

Plans

Plan P50

Plan P100

Plan P150

Plan P200

Plan P300

Plan P500

Plan P750

Plan P1K

Basic Plan

100.00

200.00

300.00

400.00

550.00

750.00

900.00

1050.00

Optional Benefits

50.00

100.00

100.00

150.00

200.00

250.00

350.00

450.00


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.

Learn More

Individual Personal Accident Insurance - HLB consists of plans which can be renewed annually.

Download the coverage details below to learn more.