We understand that you always put health first, yours and your family’s. You want access to adequate medical care especially with rising medical costs. That’s why we go above and beyond with MSIG FlexiHealth Insurance.

It covers the medical care you and your family need with the flexibility to plan the protection you want, both in Malaysia and Singapore^{^}. Family health is at the heart of all we do.

• Your choice of 4 plans: There is no reason not to be protected. Just choose the plan that fits your budget and medical needs.
• Affordable premium from as low as RM1.40 per day
• Optional Coverage for Treatment in Singapore Benefit (with additional premium).
• Deductible Plan with a premium discount of up to 70% (opted to non-cashless): You decide how much of the medical bill you can pay in return for a reduced premium. MSIG FlexiHealth Insurance will pay the balance up to the limit covered.
• High lifetime limit: MSIG FlexiHealth Insurance allows you to stay protected even if you have exceeded your annual limit as long as you do not exceed the lifetime and age limits.
• Renewal Discount* (Not applicable to the premium on Optional Treatment in Singapore): You will enjoy a 10% renewal discount on the premium rate from the first renewal onwards. The renewal discount is in addition to the discounts available for Deductible Plan.
• Family Discount* (Not applicable to the premium on Optional Treatment in Singapore) : Enrol three or more members of your family together to enjoy 10% discount on the total premium.
• Additional benefits — Accidental Outpatient Alternative Medical Treatment, Nutritional Allowance and Compassionate Care Allowance
• Optional benefits -- Unlike most medical insurance that offer general coverage, MSIG FlexiHealth Insurance gives you the option to decide on additional cover. You only pay for what you need.
  • Optional benefits — Critical Illness Benefit: Pays lump sum if diagnosed with cancer, coronary artery bypass surgery, heart attack, kidney failure, motor neurone disease, multiple sclerosis, Parkinson’s Disease or stroke as defined in the policy and survive for more than 14 days after diagnosis.
  • Optional benefits — Maternity Benefit: Covers up to RM3,000 per pregnancy per year for Normal Delivery or Miscarriage (or abortion due to accident). RM5,000 for Complicated Delivery.

• Anyone accepted by the MSIG aged between 15 days and 59 years at first enrolment. Cover may be granted beyond age 59, provided the Insured Person is enrolled in the Plan before that age and has remained continuously covered thereafter, up to the maximum age of 80.
• A child aged from 15 days and up to 18 years who is unmarried and financially dependent on the Policyholder or up to 23 years if still undergoing full-time education and who is not gainfully employed can only be insured along with at least one parent.
• Cash Before Cover - This insurance shall not be effective unless the premium due has been paid.

Ringgit Malaysia (RM) only

• Please refer to the product materials for more information.
• Premiums are derived based on your present age (year of birth) at time of enrolment and the Plan you select. The premiums shown are for Malaysians residing in Malaysia. At renewal, your premium rates will increase if you enter a new age range.
• Premiums may be loaded for Insured Persons engaging in hazardous occupations or sports, or for those visiting or living in remote locations, or having medical conditions.
• Policies are arranged on an annually renewable basis and premiums may be adjusted periodically by MSIG.
• Policies are renewable at the option of the Policyholder. The renewal premium payable is not guaranteed and MSIG reserves the right to determine the premium applicable specifically to each Insured Person at the time of renewal upon 30 calendar days written notice by the Company.
• “Cashless” facility is not applicable if you are applying optional levels of deductible, as well as Optional Treatment in Singapore.
• This policy does not cover Pre-Existing illnesses, any medical or physical conditions arising within the first 30 days from Policy Issued Date, Specified Illnesses occurring during the first 120 days from Policy Issued Date of continuous cover. (Note: “Policy Issued Date” will be indicated in the Policy Contract after policy approved.). 
• For the full list of exclusions, please refer to the Product Brochure. The full terms are governed by the Policy Contract itself, and the Certificate issued to each member. A copy of the Policy Contract is made available upon request.
• This plan is underwritten by MSIG Insurance (Malaysia) Bhd Registration No. 197901002705 (46983-W); and distributed by Bank of China (Malaysia) Berhad（200001008645/511251- V）.
• MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG or PIDM (visit www.pidm.gov.my)

• PIDM's TIPS Brochure

• Product Brochure

• Product Disclosure Sheet

• Panel Hospital Listing

You should satisfy yourself that this policy will best serve your needs and the premium payable is an amount that you can afford. In order to better protect your interest, before continue to purchase insurance, you are reminded to consider factors as below:

1. Insurable Objective: Your priority objective is for protection (such as life, accident, injury & etc), or preparation for medical and health (such as: hospitalization & etc).

2. Coverage Tenor: Protection period should be more than your preference coverage period.

3. Premium Tenor: Maximum premium paying period of the plan chosen should be within your committed premium paying period.

4. Affordability: Premium amount should be not more than 50% of your Annual Income or Net Asset Value.

5. You are located in Malaysia. This is because agreement signed out of Malaysia territory will not be protected by law and regulations of Malaysia.