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| Individual Personal Accident |
| Accidents can happen anytime, anywhere. Although you cannot prevent accidents, you can protect yourself and your family from the consequences. The MSIG Individual Personal Accident Plan is a 24-hour worldwide plan that will help you pay your day-to-day expenses and the additional bills caused by an accident. It will help you protect your family’s financial security at very affordable premiums |
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| SUMMARY OF BENEFITS |
| Description of Benefits |
PLAN |
1 |
2 |
3 |
4 |
5 |
| Accidental Death & Permanent Disablement |
50,000 |
100,000 |
150,000 |
200,000 |
250,000 |
| Convalescence Allowance |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| Funeral, Cremation & Repatriation Expenses |
2,000 |
2,000 |
2,000 |
2,000 |
2,000 |
| Weekly Benefit for Temporary Total Disablement |
100 |
150 |
200 |
250 |
300 |
| Medical Expenses |
3,000 |
4,000 |
5,000 |
6,000 |
7,000 |
| Daily Hospital Income |
50 |
75 |
100 |
125 |
150 |
| Ambulance Fees |
200 |
200 |
200 |
200 |
200 |
| Bereavement Allowance |
500 |
1,000 |
1,500 |
2,000 |
2,500 |
| Purchase of Orthopaedic Equipment |
500 |
1,000 |
1,500 |
2,000 |
2,500 |
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| Description of Benefits |
PLAN |
6 |
7 |
8 |
9 |
10 |
| Accidental Death & Permanent Disablement |
300,000 |
400,000 |
500,000 |
750,000 |
1,000,000 |
| Convalescence Allowance |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| Funeral, Cremation & Repatriation Expenses |
2,000 |
2,000 |
2,000 |
2,000 |
2,000 |
| Weekly Benefit for Temporary Total Disablement |
350 |
400 |
400 |
500 |
500 |
| Medical Expenses |
8,000 |
9,000 |
10,000 |
10,000 |
10,000 |
| Daily Hospital Income |
175 |
200 |
200 |
250 |
250 |
| Ambulance Fees |
200 |
200 |
200 |
200 |
200 |
| Bereavement Allowance |
3,000 |
3,000 |
3,000 |
3,000 |
3,000 |
| Purchase of Orthopaedic Equipment |
3,000 |
3,000 |
3,000 |
3,000 |
3,000 |
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|
| ANNUAL PREMIUM |
| Description |
Plan(RM) |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
| Class 1 |
with
Weekly
Benefit |
85 |
145 |
210 |
275 |
340 |
405 |
520 |
625 |
900 |
1,125 |
without
Weekly
Benefit |
70 |
120 |
180 |
235 |
290 |
345 |
450 |
560 |
775 |
1,000 |
| Class 2 |
with
Weekly
Benefit |
140 |
245 |
355 |
460 |
565 |
670 |
870 |
1,060 |
1,118 |
1,388 |
without
Weekly Benefit
|
120 |
220 |
315 |
410 |
510 |
605 |
795 |
985 |
998 |
1,230 |
|
Note:
RM10 stamp duty is payable for each policy
Specification of Classification |
| Class 1: |
Persons engaged in professional administrative, managerial, clerical and non manual occupations |
| Class 2: |
Persons engaged in work of a supervisory nature but not involved in manual labour |
| Class 3: |
Referral |
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| |
| SUMMARY OF COVERAGE |
ACCIDENTAL DEATH AND / OR PERMANENT DISABLEMENT
For the Whole Family (yourself, spouse and your children) between ages of 16 to 65 and renewable up to 70 years. Wide Personal Accident Coverage including Riot, Strike, Civil Commotion and Hijacking.
WEEKLY BENEFIT FOR TEMPORARY TOTAL DISABLEMENT
Up to the amount of the Plan applied for – in the event of an accident.
MEDICAL EXPENSES
Up to the amount of the Plan applied for – incurred by the Insured Person in respect of any onem accident which include Chinese Physician / Bonesetter expenses of maximum RM250 per accident.
DAILY HOSPITAL INCOME
Up to the amount of the Plan applied for – in the event of an accident.
BEREAVEMENT ALLOWANCE
Up to the amount of the Plan applied for – in the event of an accident.
PURCHASE OF ORTHOPAEDIC EQUIPMENT
Up to the amount of the Plan applied for – in the event of an accident.
PERSONAL LIABILITY
 Up to RM1,000,000 cover paid for your legal liability towards third parties in respect of injury and loss of or damage to property.
CONVALESCENCE ALLOWANCE
RM5,000 per insured person for necessary alteration to dwelling or motor vehicle and any other medical aids should the Insured Person be continually dependent on a wheelchair for a period of not less than 6 months.
FUNERAL, CREMATION AND REPATRIATION EXPENSES
Up to the amount of RM2,000 as a result of accidental death.
AMBULANCE FEES
Up to the amount of RM200 in the event of an accident. |
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| EXCLUSIONS |
There are only a few exceptions, for example war, terrorism, high-risk sporting activities, drugs, HIV-related illness and sexually transmitted diseases. Please refer to your policy document for the full list.
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