MSIG EZ Hospital Income Insurance supports you during recovery by providing a daily allowance for the number of days you are hospitalised for any covered disabilities. This insurance also provides lump sum payment to cover your family members’ travel expenses to and from hospital during your hospitalisation and more.
Not only that, you will benefit from a discount on your total premium payable when you enrol with your spouse.
In addition, you may also choose to extend your coverage to include any of the following optional benefit:
- Specified Infectious Diseases Hospital Cash Allowance
- Hospital Cash Allowance whilst Overseas
- Surgical Operations Expenses which reimburses your surgery expenses
- Compassionate Allowance
Benefits
You will be covered in the event of hospitalisation in Malaysia due to a covered condition.
Benefits
You will be covered in the event of hospitalisation in Malaysia due to a covered condition.
Benefit Limit (RM)
Section I: Main Benefits
Plan 1
Plan 2
Plan 3
Hospital Cash Allowance* (per day)
50
75
100
Intensive Care Allowance* (per day, max up to 60 days per hospitalisation)
100
150
200
Travel Allowance (per hospitalisation, max up to RM1,000 per year)
200
| Benefit Limit (RM) | ||
|---|---|---|
| Section I: Main Benefits | ||
| Plan 1 | Plan 2 | Plan 3 |
|
Hospital Cash Allowance* (per day)
|
||
| 50 | 75 | 100 |
|
Intensive Care Allowance* (per day, max up to 60 days per hospitalisation)
|
||
| 100 | 150 | 200 |
|
Travel Allowance (per hospitalisation, max up to RM1,000 per year)
|
||
| 200 | ||
*Only 1 hospitalisation cash allowance benefit is payable (either Hospital Cash Allowance or Intensive Care Allowance under Section I) for each day of hospitalisation. Hospitalisation must be at least 24 hours except for daycare surgery.
Optional Benefits
You will be covered in the event of hospitalisation in Malaysia or overseas due to a covered condition.
Benefit Limit (RM)
Section II: Optional Benefits
Plan 1
Plan 2
Plan 3
Specified Infectious Diseases Hospital Cash Allowance
1,000
2,000
3,000
Hospital Cash Allowance Whilst Overseas^
(i) Admission to Standard Ward (per day, max up to 30 days per hospitalisation)
50
75
100
(ii) Admission to Intensive Care Unit (per day, max up to 30 days per hospitalisation)
100
150
200
Surgical Operations Expenses
500
1,000
2,000
Compassionate Allowance
500
1,000
1,500
| Benefit Limit (RM) | ||
|---|---|---|
| Section II: Optionals Benefits | ||
| Plan 1 | Plan 2 | Plan 3 |
|
Specified Infectious Diseases Hospital Cash Allowance
|
||
| 1,000 | 2,000 | 3,000 |
| Hospital Cash Allowance Whilst Overseas^ (i) Admission to Standard Ward (per day, max up to 30 days per hospitalisation) | ||
| 50 | 75 | 100 |
| Hospital Cash Allowance Whilst Overseas^ (ii) Admission to Intensive Care Unit (per day, max up to 30 days per hospitalisation) | ||
| 100 | 150 | 200 |
|
Surgical Operations Expenses
|
||
| 500 | 1,000 | 2,000 |
|
Compassionate Allowance
|
||
| 500 | 1,000 | 1,500 |
^Only 1 hospitalisation cash allowance benefit is payable (either Admission to Standard Ward or Admission to Intensive Care Unit under Section II) for each day of hospitalisation whilst overseas. Hospitalisation must be at least 24 hours.
Note:
- Duration of cover is for 1 year. It may be renewed on each anniversary of the policy inception date by payment of the premium determined by the Company at the time of renewal.
- Benefits and/or premium revisions can only be made on renewal or at the policy anniversary upon 30 days’ written notice by the Company.
- Please refer to the Policy Document for detailed information about EZ Hospital Income Insurance Schedule of Benefits.
Premium
Annual Premium for Section I Main Benefits:
Premium
Annual Premium for Section I Main Benefits:
Annual Premium (RM)
Age Band
Plan 1
Plan 2
Plan 3
18-30 years
39
52
66
31-40 years
49
66
84
41-50 years
65
88
111
51-55 years
77
105
132
56-60 years
104
141
178
| Annual Premium (RM) | ||
|---|---|---|
| Age Band | ||
| Plan 1 | Plan 2 | Plan 3 |
| 18-30 years | ||
| 39 | 52 | 66 |
| 31-40 years | ||
| 49 | 66 | 84 |
| 41-50 years | ||
| 65 | 88 | 111 |
| 51-55 years | ||
| 77 | 105 | 132 |
| 56-60 years | ||
| 104 | 141 | 178 |
Annual Premium for Section II Optional Benefits:
Annual Premium for Section II Optional Benefits:
Annual Premium (RM)
Section II: Optional Benefits
Plan 1
Plan 2
Plan 3
Specified Infectious Diseases Hospital Cash Allowance
9
18
26
Hospital Cash Allowance Whilst Overseas
9
13
17
Surgical Operations Expenses
48
96
192
Compassionate Allowance
4
8
12
| Annual Premium (RM) | ||
|---|---|---|
| Section II: Optional Benefits | ||
| Plan 1 | Plan 2 | Plan 3 |
| Specified Infectious Diseases Hospital Cash Allowance | ||
| 9 | 18 | 26 |
| Hospital Cash Allowance Whilst Overseas | ||
| 9 | 13 | 17 |
| Surgical Operations Expenses | ||
| 48 | 96 | 192 |
| Compassionate Allowance | ||
| 4 | 8 | 12 |
Note:
- Premium for Section I is based on your age. You have to pay a higher premium as you move to the next age band.
- A 10 % discount is given if you and spouse are insured together under the same policy.
- The renewal premiums are not guaranteed and we reserve the right to determine the premium applicable specifically to each Insured Person at the time of renewal. Such change will be notified by us in writing at least 30 days before the change takes effect.
- You are obligated to pay any applicable taxes (which include but not limited to 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 Hospital Income Insurance can also act as a supplementary medical coverage in addition to your existing medical insurance.
Download the coverage details below to learn more.