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).
MSIG EZ Critical Care Insurance shields you against the unexpected by providing you with a lump sum benefit payment when you are diagnosed with a covered critical illness. The benefit is paid whether you are fit to return to your normal day-to-day routine or are medically instructed to rest. It can be used for any purpose you choose from seeking specialist or alternative treatments to paying your mortgage loan and monthly expenses.
Benefits
Benefits
Sum Insured (RM)
Main Benefits
Plan P30
Plan P50
Option 1 - Critical Illness Benefit
1. Cancer
2. Stroke and Specific Brain Surgery
3. Heart Attack and Specific Heart Surgery
4. Kidney Failure
Option 2 - Critical Illness Benefit
1. Cancer
2. Kidney Failure
30,000
Early Stage : 30%
*Critical Stage : 100%
50,000
Early Stage : 30%
*Critical Stage : 100%
No Claim Bonus
10% per annum increase of your initial sum insured for every year of no claims, up to 5 years
Allowances
Plan P30
Plan P50
1. Recuperative Allowance
1,500
3,000
2. Supplementary Medicine Allowance
1,000
2,000
3. Travel Allowance
200
300
Option 1 -
Critical Illness Benefit
Covers Cancer, Stroke and Specific Brain Surgery, Heart Attack and Specific Heart Surgery & Kidney Failure
Option 2 -
Critical Illness Benefit
Covers Cancer and Kidney Failure
1. Recuperative Allowance
2. Supplementary Medicine Allowance
3. Travel Allowance
*Up to 100% of sum insured is payable upon diagnosis of critical stage provided that no claim for early stage has been paid. In the event a claim for early stage is paid, it shall reduce the sum insured of the critical stage accordingly.
Note:
- The benefits payable under Main Benefits are calculated as a percentage of the sum insured based on the stages of the critical illness.
- Please refer to the Policy Document for detailed information about MSIG EZ Critical Care Insurance Schedule of Benefits.
Premium
Premium
Plans (RM)
Option 1
Cancer, Stroke and Specific Brain Surgery, Heart Attack and Specific Heart Surgery & Kidney Failure
Option 2
Cancer & Kidney Failure
Age Band
Plan P30
Plan P50
Plan P30
Plan P50
15 days - 15 years
20.00
33.00
17.00
29.00
16 - 20 years
30.00
49.00
26.00
43.00
21 - 25 years
44.00
74.00
35.00
58.00
26 - 30 years
59.00
98.00
46.00
78.00
31 - 35 years
85.00
143.00
69.00
116.00
36 - 40 years
143.00
241.00
114.00
192.00
41 - 45 years
246.00
413.00
173.00
290.00
46 - 50 years
365.00
613.00
251.00
422.00
51 - 55 years
518.00
871.00
344.00
579.00
56 - 59 years
704.00
1,184.00
452.00
761.00
60 - 65 years (renewal only)
807.00
1,358.00
507.00
853.00
66 - 70 years (renewal only)
1,351.00
2,275.00
836.00
1,407.00
| Plans (RM) | |||
|---|---|---|---|
| Option 1 Cancer, Stroke and Specific Brain Surgery, Heart Attack and Specific Heart Surgery & Kidney Failure | Option 2 Cancer & Kidney Failure | ||
| Plan P30 | Plan P50 | Plan P30 | Plan P50 |
| 15 days - 15 years | |||
| 20.00 | 33.00 | 17.00 | 29.00 |
| 16 - 20 years | |||
| 30.00 | 49.00 | 26.00 | 43.00 |
| 21 - 25 years | |||
| 44.00 | 74.00 | 35.00 | 58.00 |
| 26 - 30 years | |||
| 59.00 | 98.00 | 46.00 | 78.00 |
| 31 - 35 years | |||
| 85.00 | 143.00 | 69.00 | 116.00 |
| 36 - 40 years | |||
| 143.00 | 241.00 | 114.00 | 192.00 |
| 41 - 45 years | |||
| 246.00 | 413.00 | 173.00 | 290.00 |
| 46 - 50 years | |||
| 365.00 | 613.00 | 251.00 | 422.00 |
| 51 - 55 years | |||
| 518.00 | 871.00 | 344.00 | 579.00 |
| 56 - 59 years | |||
| 704.00 | 1,184.00 | 452.00 | 761.00 |
| 60 - 65 years (renewal only) | |||
| 807.00 | 1,358.00 | 507.00 | 853.00 |
| 66 - 70 years (renewal only) | |||
| 1,351.00 | 2,275.00 | 836.00 | 1,407.00 |
Note:
- Premium is based on your age. You have to pay a higher premium as you move to the next age band.
- Policy renewability and renewal premiums are not guaranteed and the Company reserves the right to revise the premium rate and benefits applicable at the time of renewal by giving thirty (30) days written notice.
- Premiums are adjusted periodically to reflect both experience and inflation in underlying medical treatment costs based on the portfolio claims experience. The revision could arise from the deterioration in claims experience or changes in benefits. These conditions are not exhaustive and the premium rates may be reviewed under other justified circumstances. The premium revision will be applicable to all Insured regardless of individual claims experience.
- 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.
Kindly contact us here if you would like to opt for a higher sum insured cover.
Learn More
MSIG EZ Critical Care Insurance consists of plans which can be renewed annually.
Download the coverage details below to learn more.