MSIG Medical Insurance

A part of Mitsui Sumitomo Insurance Co., MSIG Malaysia goes above and beyond to ensure your protection. Being a licensed general insurer who is also regulated by Bank Negara Malaysia, they offer various types of insurance according to your needs with exceptional service.

What is Medical Insurance?

Medical insurance is a type of insurance that will help cover your medical bills (hospitalization, consultation, surgery, treatment, medical supplies, and medication).

What type of medical insurance plans are available in MSIG?

  • FlexiHealth
  • Healthcare International
  • Gluco SafeGuard

Why Buy MSIG Medical Insurance?

  • Hassle-free cashless admission facility
  • It is obvious that being sick is not a walk in the park and MSIG knows it too! With them, enjoy a cashless admission facility to ensure you get your treatment without having to wait for hours!

  • Easy application and renewal process
  • You do not have to worry about going out just to apply or renew your policy! Just go to their website and you are good to go!

  • The flexibility of payment frequency
  • MSIG is dedicated to making sure their customers are well-protected, hence they offer various payment frequencies so that everyone can pay their premium on time despite their financial status.

How to Buy MSIG Medical Insurance?

You can buy MSIG medical insurance through MSIG official website OR making an appointment with their agents.

How to claim MSIG medical insurance?

Generally, MSIG medical insurance plans are on a cashless basis, but in certain circumstances (exclusions under policy terms or admission to non-panel/ overseas hospitals), it will be on a reimbursement basis.

Here are the guides to MSIG medical insurance claim:

  1. Cashless
    • Contact MSIG 24-hour hotline at 03-7628 3980 or the number behind your medical card
    • Present NRIC, medical card, and referral letter (if available)
    • Sign the admission form and wait for your hospital to request for guarantee letter from your TPA
  2. Reimbursement
    • Notify MSIG immediately via MSIG 24-hour hotline at 03-7628 3980
    • Go to MSIG’s website and download the Pre-Authorization Form
    • Submit the form along with the supporting documents to MSIG by mail or email ( or through your agent within 30 days of discharge

If you need to understand more about claiming process, click here.

What are the documents needed for MSIG Medical Insurance Claim?

These are the documents needed for you to file your claim:

  • Claim form (Pre-Authorisation Form Part I)
  • Attending physician’s statement (Pre-Authorisation Form Part II)
  • Original tax invoices or bills
  • Original detailed bills
  • Original official receipts
  • Copy of medical test results
  • Copy of referral letter (if applicable)
  • Copy of passport (for overseas treatment)

Please note that if the documents are in a foreign language, a translation into the English version is required.

Can I change my MSIG medical insurance plan?

Yes, you can! Contact MSIG or your agent to arrange this change.

Does MSIG pay my medical bills on a cashless or reimbursement basis?

Generally, MSIG pays your medical bills on a cashless basis, but under certain circumstances (exclusions under policy terms, or admission to non-panel/ overseas hospitals), it will be on a reimbursement basis.

How much do I have to pay for MSIG medical insurance?

Consult with an Manulife agent so they can give advice on pricing plans that are best suited just right!

Can I pay for MSIG medical insurance on an installment basis?

Yes, you can choose to pay your MSIG medical insurance monthly (6 months/ 12 months) or annually.

What are the modes of payment available for MSIG medical insurance?

MSIG accepts these modes of payment:

  • JomPAY
  • Inter-Bank Giro / Instant Fund Transfer
  • Standard Chartered Bank online banking
  • Over-the-counter payment (Standard Chartered Bank)
  • Fax (debit card/ credit card)
  • Mail (cheque/ debit card/ credit card)
  • Branch office counter (cash/cheque/debit card/credit card)
  • CDM banking

Will my MSIG medical insurance policy expire if I do not renew it on time?

Yes, your medical insurance policy will expire if you do not pay your premium on time.

How do I contact MSIG?

You can contact MSIG 24-hour hotline at 03-7628 3980 anytime!