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
| Sum Insured (RM) | |||||||
| 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 |
| Convalescence 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
|
1,000
|
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
| Sum Insured (RM) | |||||||
| 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 | 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
| Annual Premium (RM) | |||||||
|---|---|---|---|---|---|---|---|
| Plan P30 | Plan P50 | Plan P150 | Plan P200 | Plan P300 | Plan P500 | Plan P750 | Plan P1K |
| Basic Plan | Basic Plan | Basic Plan | Basic Plan | ||||
| 100.00 | 200.00 | 300.00 | 400.00 | 550.00 | 750.00 | 900.00 | 1,050.00 |
| Optional Benefits | Optional Benefits | Optional Benefits | 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.