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).
EZ Cancer Care 365 Insurance provides financial protection in the event you are diagnosed with cancer so you may rest easy and recuperate in peace. A diagnosis of critical stage gender-related cancer entitles you to additional indemnity while additional benefits will help alleviate some out-of-pocket expenses associated with hospitalisation for cancer. A lump sum payment will also be made to your surviving parent(s) in the event of your unfortunate demise due to cancer.
What's more, you may extend your coverage at additional premium to include a Hospital Income plan that pays a daily allowance for hospitalisation due to an illness or accident.
Benefits
Benefits
Sum Insured (RM)
Section I - Main Benefits
P30
P50
1.
Cancer Benefit
30,000
Early Stage : 30%
Critical Stage : 100%
50,000
Early Stage : 30%
Critical Stage : 100%
2.
Additional Indemnity for Gender-related Cancer (Critical Stage)
15,000
25,000
3.
Recuperative Allowance (per hospitalisation)
600
1,000
4.
Supplementary Medicine Allowance (per hospitalisation)
1,000
1,000
5.
Mobile Data / Internet Allowance (per hospitalisation)
100
100
6.
Parent's Shield (for Each Surviving Parent)
3,000
5,000
Section I - Main Benefits
1.
Cancer Benefit
2.
Additional Indemnity for Gender-related Cancer (Critical Stage)
3.
Recuperative Allowance (per hospitalisation)
4.
Supplementary Medicine Allowance (per hospitalisation)
5.
Mobile Data / Internet Allowance (per hospitalisation)
6.
Parent's Shield (for Each Surviving Parent)
Notes:
- The benefits payable under Cancer Benefit are calculated as a percentage of the Sum Insured based on the stages of the cancer.
- Up to 100% of Critical Stage benefit is payable upon diagnosis of critical stage cancer provided no claim has been made for early stage cancer. Once a claim is made for early stage cancer, it will reduce the sum insured of the Cancer Benefit accordingly.
- Upon payment of 100% sum insured of the Cancer Benefit under Section I, this benefit will cease immediately and the Policy is non-renewable. Other benefits under Sections I and II will remain operational until expiry of the Policy.
- Additional Indemnity for Gender-related Cancer (Critical Stage) benefit under Section I is applicable once per lifetime whilst the Policy is in force.
- Insured Person must survive for at least 14 days after diagnosis of a covered cancer before a valid claim can be made on the Policy.
- Policy is arranged on an annually renewable basis and premium will be adjusted periodically to reflect both experience and inflation in underlying medical treatment costs.
- Policy will be renewable at the option of the Company subject to the terms, conditions and termination at each Policy anniversary date.
- Changes to benefits and premium revisions can only be made on renewal or at the Policy anniversary upon 30 days' written notice by the Company.
Optional Benefit - Hospital Income
Receive a daily cash allowance whenever you are admitted to hospital for treatment due to a covered illness or injury. With this add-on, you can put aside your financial worries and focus on getting better.
Benefit Limit (RM)
Section II - Optional Benefit - Hospital Income*
P30
P50
1.
Daily Cash Allowance
Admission to Standard Ward (per day, up to 365 days)
50
75
2.
Double Daily Cash Allowance
Admission to Intensive Care Unit (per day, up to 60 days)
100
150
3.
Triple Daily Cash Allowance
Admission for Cancer (per day, up to 30 days)
150
225
Section II - Optional Benefit - Hospital Income*
1.
Daily Cash Allowance
Admission to Standard Ward (per day, up to 365 days)
2.
Double Daily Cash Allowance
Admission to Intensive Care Unit (per day, up to 60 days)
3.
Triple Daily Cash Allowance
Admission for Cancer (per day, up to 30 days)
*Only one (1) Daily Cash Allowance Benefit is payable at any one time for the same confinement period under Hospital Income Benefit.
Note:
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Please refer to thePolicy Documentfor detailed information about MSIG EZ Cancer Care 365 Insurance Schedule of Benefits.
Premium
Premium
Annual Premium for Male (RM)
Plan P30
Plan P50
Age Band
Main Benefits
Main Benefits + Optional Benefit
Main Benefits
Main Benefits + Optional Benefit
18-20 years
14.00
75.00
23.00
113.00
21-25 years
17.00
77.00
27.00
117.00
26-30 years
22.00
82.00
36.00
125.00
31-35 years
30.00
89.00
49.00
137.00
36-40 years
45.00
103.00
75.00
160.00
41-45 years
72.00
126.00
117.00
198.00
46-50 years
115.00
165.00
189.00
262.00
51-55 years
179.00
223.00
295.00
358.00
56-59 years
309.00
340.00
509.00
550.00
60-65 years (renewal only)
314.00
363.00
517.00
588.00
66-70 years (renewal only)
445.00
488.00
732.00
794.00
71-75 years (renewal only)
511.00
551.00
839.00
897.00
76-80 years (renewal only)
537.00
577.00
884.00
940.00
Annual Premium for Female (RM)
Plan P30
Plan P50
Age Band
Main Benefits
Main Benefits + Optional Benefit
Main Benefits
Main Benefits + Optional Benefit
18-20 years
14.00
74.00
22.00
113.00
21-25 years
20.00
80.00
33.00
123.00
26-30 years
38.00
96.00
62.00
148.00
31-35 years
74.00
129.00
122.00
203.00
36-40 years
131.00
179.00
215.00
286.00
41-45 years
202.00
243.00
333.00
392.00
46-50 years
294.00
326.00
484.00
528.00
51-55 years
375.00
399.00
618.00
648.00
56-59 years
474.00
488.00
781.00
795.00
60-65 years (renewal only)
394.00
439.00
649.00
714.00
66-70 years (renewal only)
455.00
498.00
750.00
811.00
71-75 years (renewal only)
505.00
545.00
833.00
891.00
76-80 years (renewal only)
533.00
573.00
880.00
936.00
| Annual Premium for Male (RM) | |||
|---|---|---|---|
| Plan P30 | Plan P50 | ||
| Main Benefits | Main Benefits + Optional Benefit | Main Benefits | Main Benefits + Optional Benefit |
| 18 - 20 years | |||
| 14.00 | 75.00 | 23.00 | 113.00 |
| 21 - 25 years | |||
| 17.00 | 77.00 | 27.00 | 117.00 |
| 26 - 30 years | |||
| 22.00 | 82.00 | 36.00 | 125.00 |
| 31 - 35 years | |||
| 30.00 | 89.00 | 49.00 | 137.00 |
| 36 - 40 years | |||
| 45.00 | 103.00 | 75.00 | 160.00 |
| 41 - 45 years | |||
| 72.00 | 126.00 | 117.00 | 198.00 |
| 46 - 50 years | |||
| 115.00 | 165.00 | 189.00 | 262.00 |
| 51 - 55 years | |||
| 179.00 | 223.00 | 295.00 | 358.00 |
| 56 - 59 years | |||
| 309.00 | 340.00 | 509.00 | 550.00 |
| 60 - 65 years (renewal only) | |||
| 314.00 | 363.00 | 517.00 | 588.00 |
| 66 - 70 years (renewal only) | |||
| 445.00 | 488.00 | 732.00 | 794.00 |
| 71 - 75 years (renewal only) | |||
| 511.00 | 551.00 | 839.00 | 897.00 |
| 76 - 80 years (renewal only) | |||
| 537.00 | 577.00 | 884.00 | 940.00 |
| Annual Premium for Female (RM) | |||
|---|---|---|---|
| Plan P30 | Plan P50 | ||
| Main Benefits | Main Benefits + Optional Benefit | Main Benefits | Main Benefits + Optional Benefit |
| 18 - 20 years | |||
| 14.00 | 74.00 | 22.00 | 113.00 |
| 21 - 25 years | |||
| 20.00 | 80.00 | 33.00 | 123.00 |
| 26 - 30 years | |||
| 38.00 | 96.00 | 62.00 | 148.00 |
| 31 - 35 years | |||
| 74.00 | 129.00 | 122.00 | 203.00 |
| 36 - 40 years | |||
| 131.00 | 179.00 | 215.00 | 286.00 |
| 41 - 45 years | |||
| 202.00 | 243.00 | 333.00 | 392.00 |
| 46 - 50 years | |||
| 294.00 | 326.00 | 484.00 | 528.00 |
| 51 - 55 years | |||
| 375.00 | 399.00 | 618.00 | 648.00 |
| 56 - 59 years | |||
| 474.00 | 488.00 | 781.00 | 795.00 |
| 60 - 65 years (renewal only) | |||
| 394.00 | 439.00 | 649.00 | 714.00 |
| 66 - 70 years (renewal only) | |||
| 445.00 | 498.00 | 750.00 | 811.00 |
| 71 - 75 years (renewal only) | |||
| 505.00 | 545.00 | 833.00 | 891.00 |
| 76 - 80 years (renewal only) | |||
| 533.00 | 573.00 | 880.00 | 936.00 |
Notes:
- 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 Cancer Care 365 Insurance consists of plans which can be renewed annually.
Download the coverage details below to learn more.