We understand that you want immediate access to the best medical care you can afford for you and your loved ones. That’s why we go above and beyond with MSIG Healthcare International Insurance to cover serious health problems, from diagnosis to prearranged hospital care. It also covers serious medical emergencies with immediate admission to the nearest approved panel hospital of your choice. The health of everyone in your family is at the heart of all we do.

• Wider Choice of Plans and Greater Affordability: Annual Limit up to RM2.2mil without Lifetime limit.
• Reimbursement Option: This option offers a 20% discount on premium but does not provide a medical card. Customer are required to pay medical expenses upfront and submit claims for reimbursement.
• Deductible Option: Customer may opt to bear a fixed amount of medical expenses for each hospitalization before the insurance coverage applies. In return, this option offers a premium discount of up to 20%.
• Emergency Medical Advice & Assistance: Emergency medical advice, evaluation, referral and hospital admission assistance.
• Optional Outpatient Services: General practitioner & specialist consultations and prescribed treatment. Diagnostic services and prescription drugs. Up to RM25,000, customer to bear RM100 of eligible expenses per visit.
• Optional Maternity Benefit: Covers up to RM3,000 per pregnancy per year for Normal Delivery increasing automatically to RM5,000 for Complicated Delivery. Covers antenatal, childbirth and post-natal treatment for the mother. (This benefit does not apply to birth taking place within the first 365 days of cover.)
• Travel Personal Accident (for Golden Premier plan): Death or disablement resulting from an accident while travelling in a scheduled aircraft or public conveyances.
• Increased International Cover (for Golden Premier plan): Hospitalisation and Room & Board benefits automatically increase to RM1million and RM800 a day when travelling outside the Home Country or Usual Country of Residence. Business and holiday travellers enjoy high limit emergency coverage when it is most needed.
• Emergency Medical Evacuation and International Travel Assistance Services (for Premier & Golden Premier plan)

• Anyone accepted by MSIG who is not more than 55 years old and not less than 15 days old at the date of first enrolment. An unmarried child below 18 years old can only be insured along with at least one parent.
• Different terms may apply to non-Malaysians residing in Malaysia.
• 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 non-Malaysians residing in Malaysia or for Insured Persons engaging in hazardous occupations or sports, or for those visiting or living in remote locations, or having medical conditions.
• Policy renewability is not guaranteed and premiums are subject to change. 
• This is an annual renewable policy and premiums will be adjusted periodically to reflect claims experience and inflationary medical costs.
• Changes to benefits and premium revisions can only be made on renewal or at the policy anniversary.
• MSIG will give 30 calendar days written notice prior to policy renewal or anniversary in the event of changes to benefits and premium revision.
• 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

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.