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What is No Claim Discount (NCD)?
The No Claim Discount (NCD) is a reward scheme received by motor policy holders for not making a claim during the preceding 12 months.
How much of No Claim Discount (NCD) am I entitled to?
Consumers are eligible for NCD ranging from 0% to 55% of the premium payable depending on the type of vehicle, coverage and number of years claim not intimated. For a private car, the scale of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for motorcycles and commercial vehicles, it ranges from 0% to 25%.
Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details
ACPG Insurance Business since Year 1989
MSIG Travel Insurance Buy Online Enquiry Form
MSIG Insurance (Malaysia) Bhd is a subsidiary of Mitsui Sumitomo Insurance Company, MSIG takes pride in being one of the largest general insurers in Malaysia with a nationwide network of 20 branches. MSIG has a multi-channel distribution network established in strong partnerships with Agents, Brokers, Motor Franchise, Local and Japanese corporate clients as well as partnership programmes with financial institutions.
MSIG TravelRight Plus
Wherever you are in the world, you can rely on MSIG Assist to come to your rescue. You can reverse charge or ask Helpline operators to return your call so you do not need to worry about the call charge. You may call for assistance on: Pre-travel Advice, Travel Assistance.
Call MSIG TravelRight Plus 24-hour Helpline at +603-7965 3930
Why do I need MSIG Travel Insurance
We understand that your trip is more than just a destination; be it business or vacation with your loved ones. That's why we go above and beyond with MSIG TravelRight Plus Insurance that protects you and your family throughout your journey. It also provides a 24-hour worldwide travel assistance hotline which you can call for information and advice, in times of need. At MSIG, you and those who travel with you are at the heart of all we do.
Did You Know
Frequent travellers get to save more and enjoy rewards with MSIG Annual Travel Insurance.
If you love to travel frequently, or you make regular business trips in the year, you may want to consider taking up the annual travel insurance which covers unlimited number of trips in a policy year.
3 Reasons Why You Should Take Up The Annual Travel Insurance
1. You Save on the Premium!
If you travel more than four (4) times a year, an annual policy could work better value than buying single trip cover for each holiday/business trip.
2. You Save on the Trouble on Having to Purchase Travel Insurance Before Every Trip!
Another advantage of the annual travel insurance is that being an annual policy, it will avoid you the need to take out new cover every time you travel.
There may be times when you may have to make last-minute emergency trip that is not planned for. In those instances, you don't have to worry about forgetting or being too busy to purchase your travel insurance before your trip. You can travel with peace of mind knowing that you will be constantly protected on your travels.
3. There is No Limit on the Number of Trips You Can Make During the Policy Year
The annual travel insurance covers you unlimited number of trips in a policy year up to 90 days for each trip. If you travel regularly for business or for leisure, it is more worthwhile for you to take up the annual policy. However, please select the appropriate area of coverage for your policy.
MSIG TRAVEL ASSIST* - 24-Hour Travel Worldwide Assistance – FREE with MSIG TravelRight Plus Insurance
Wherever you are in the world, you can rely on MSIG Assist to come to your rescue.
You may call for assistance on:
- Pre-travel Advice on visa and vaccination requirements
- Medical Assistance in an emergency or if an evacuation or repatriation is required
- Travel Assistance pertaining to lost luggage, passports, money and credit cards
The number to call: +603-7965 3930 (24-hour hotline)
You can reverse charge or ask Helpline operators to return your call so you do not need to worry about the call charges.
* Terms and conditions apply.
Frequently Asked Questions (FAQ) For MSIG Travel Insurance
If your question isn't addressed here, just contact us and we'd be glad to help!
Who is eligible to apply MSIG Travel Insurance?
All Malaysians, Permanent Residents, Non Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia and their Dependents are eligible to apply. Family Plan is permitted for Single Trip only and the age limit of child is above 30 days and below 18 years.
For Annual Cover, all applicants must be between 18 to 69 years old at first enrolment.
Cover may be granted age 70 provided you are enrolled in the Plan before that age and have remained continuously covered thereafter, up to maximum age of 80.
Please fill up the Proposal Form and email to email@example.com for acceptance.
Can I buy a separate cover for my child?
Yes, and the rate charged is based on the individual plan and for Single Trip only and all the benefits are the same except for Death Benefit which is RM62,500, and one of the Parent must sign the proposal form on the life of the Insured Person.
I suffered from medical and physical conditions. Can I claim for medical/hospital and other related expenses if I require treatment while on my trip?
No, the policy excludes pre-existing conditions i.e. any illnesses or injury for which the Insured contracted, diagnosed or treated during the 12 months prior to the journey and whether or not treatment, medication or advice was sought or received prior to the commencement of the journey.
Can I continue my medical treatment for any injury sustained during my overseas trip, after my return home?
Yes, you have a maximum of forty-five (45) days to undergo follow-up treatment subject to your plan’s benefit limits.
Can I claim for travel delay in the event of a terrorist attack at the Airport?
No. Terrorism Extension only covers the Insured Person in respect of death or bodily injury sustained through act of terrorism provided that such acts of terrorism do not involve the use of biological, chemical agents or nuclear devices.
Can I seek reimbursement for un-refundable expenses which I had paid if I have to cancel my trip due to a serious illness?
Policy will pay if your trip is cancelled due to serious injury or sickness which required hospitalisation or compulsory quarantine and unfit to travel as certified by a Medical Practitioner. For this section to be payable, the insurance must be purchased at the time or prior to the date of registration or date of full payment of the trip.
How do I cancel my policy and get a refund of the premiums paid?
No refund of premiums will be allowed once the Travel Insurance policy is issued.
How do I make a claim?
Notify MSIG immediately as soon as you have returned from abroad in respect of any event that may give rise to a claim.
Complete the relevant sections of the claim form relating to your claim. Then submit the claim form together with the following documents to MSIG:
Tour Operator’s Confirmation of Booking Invoice
Copies of Airline tickets, electronic tickets or boarding passes
Original receipts for all medical bills and reports and confirmation of admittance and discharge from hospital of medical claims
Original receipts for all items claimed
Irregularity report from airline if baggage is lost or damaged by the airline
Written confirmation from airline/shipping lines regarding the period of delay and the reasons if you are claiming for Luggage Delay/Travel Delay/Missed Travel Connection/Travel Overbooked/ Missed Departure/Travel Reroute
Police Report & Currency Exchange Slip for Money and Theft Claims
Written confirmation from hotels or handling agents in respect of claim for loss of use of hotel facilities
Police Report or Bomba Report for claim on Home Contents
How do I lodge a complaint if I am unhappy with the product or services?
If you have a complaint about the product or services about us, or you are not satisfied with the rejection or offer for any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.
If you are still not satisfied with the decision, you can refer to Bank Negara Malaysia at:
Jabatan LINK & Pejabat Wilayah
Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur.
Fax: 03-2174 1515
Or, you may also write to the Ombudsman for Financial Services (OFS).
Disclaimer for FAQ
The FAQs compiled herein are merely informational and not intended to be construed as a contract of insurance. While every effort has been made to ensure that the information contained herein is accurate and up to date, this is not always possible. Please refer to actual policy for exact terms and conditions of the insurance product that you are purchasing.
Nomination General FAQs
Nomination is important to ensure that your loved ones get the protection that you intended.
To assist you in understanding ‘Nomination’, we have come up with simple FAQs below.
1. Why do I have to nominate?
Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay. Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.
*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.
2. Who can I nominate?
You can nominate any individual(s) you want. HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use. Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s). Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.
Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.
To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).
3. How do you create a trust policy?
Trust policy will be created:
(a) if the nominee is your spouse or child; or
(b) if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).
4. What if I nominate someone else as my nominee(s)?
In such as case, you are creating a non-trust policy. Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws. If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.
In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use. Please contact MSIG if you require more information on this.
5. What about Muslim policy owner?
Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.
6. I did not make any nomination and Will. How will the policy moneys be distributed?
The policy moneys as well as your other assets will be distributed in accordance with applicable distribution laws.
For West Malaysia and Sarawak, the Distribution Act 1958 applies, where the policy moneys and assets will be divided between your surviving spouse, children and parent(s) in certain proportions.
The Distribution Act 1958 is however not applicable to Muslims in West Malaysia and natives in Sarawak. For Sabah, policy moneys and assets will be distributed in accordance with the Intestate Succession Ordinance 1960.
7. How do I make a nomination?
It is easy to make a nomination. You can download the PA Insurance Nomination Form provided in this website or you may contact us and request for a copy. Complete and return the original PA Insurance Nomination Form to MSIG for our further action – you may wish to refer to the sample completed form for reference.
Please make sure that the form is duly signed and witnessed by someone who is 18 years old and above, of sound mind and not a named nominee, failing which the nomination may be deemed invalid.
*The FAQs are provided for general information only. For detailed provisions on nomination, please refer to Schedule 10 of Financial Services Act 2013.
To download a copy of the Personal Accident Insurance Nomination Form, please click on the link below.
8. Can I being the insured revoke the nomination made earlier in my trust policy?
Yes, you can revoke the nomination under your trust policy but under the law you must obtain the written consent of the trustee before the revocation can be valid. (Refer to explanation in question 3 above). Hence, if you wish to revoke the nomination, you may download the Consent Form provided by us through the link below for completion. After the submission of the completed Consent Form and new Nomination Form to us, we will pass an endorsement for a change of nominee to your trust policy.
MSIG Malaysia is one of the largest general insurers in the nation! We have a network of 20 branches in various locations across Malaysia, ensuring that we're close by whenever you need us.
A subsidiary of Mitsui Sumitomo Insurance Company, Limited and a member of MS&AD Insurance Group Holdings, Inc., MSIG Insurance (Malaysia) Bhd has a strong financial backing combined with global expertise and local knowledge. Our multi-channel distribution network has established strong partnerships with agents, brokers or motor franchises, local and Japanese direct corporate clients, as well as partnership programmes with financial institutions.
As a customer, you can expect financial stability, top quality innovative insurance products and related services, and a strong commitment to service. We aim to serve our customers, stakeholders and society by adhering to our Values:
We continuously strive to provide security and achieve customer satisfaction.
We are sincere, kind, fair and just in our dealings with everyone.
We achieve mutual growth by respecting one another's individuality and opinions, and by sharing knowledge and ideas.
We listen to our stakeholders and continuously seek ways to improve our work and business.
We make sustained efforts to improve our skills and proficiency so that we can provide high quality services.
About ACPG Management Sdn Bhd
We ACP Group (ACPG) had more than 30 years (since year 1989) insurance experience. These solid years of experience has earned us a reputation of providing "TOTAL INSURANCE SOLUTION" and to be the most Organized and Respectable Insurance Intermediary in this region and all our journey to excellent, we aspire to set legend in the Malaysia insurance industry.
Based on ACPG have more than 30 years hard experience in the industry, we have the capability to handle the insurance needs of our clients professionally effectively and economically.
ACPG is organized to maximize the potential of its employees and to continuously deliver professional service to its clientele. ACPG management philosophy is to provide the necessary training and development courses to its employees to ensure that they are abreast of developments in risk management, insurance coverage and claims procedures.
The goals of ACPG are to: deliver value-added professional service to all its customers; create comprehensive and quality insurance products and services with competitive terms; uphold its reputation for integrity and innovation; enhance the professional and personal growth of its employees to empower them to do their personal best; and maintain a profitable business for the benefit of its insured’s, principals, employees and clients.
For more details, please visit http://www.acpgconsultant.com/.
ACP Group of Companies
MSIG Travel Insurance MSIG 旅游保险 让您享受 无忧之旅
MSIG 旅游保险 - 欢度无忧 美好之旅
旅行本应是充满快乐回忆的无忧体验。您最不想遇见的 事情莫过于航班延误、取消、行李遗失或在旅途中发生 医疗事故。
MSIG Travel Insurance MIG 旅游保险 将无时无刻陪伴您左右， 为您提供全面保障，让您享有无限的美好旅程。
因航空公司或旅 行社破产而造成 的金钱损失
亚洲 新加坡、泰国、印尼、菲律宾、文莱、台湾、韩国、中国包括香港 和澳门、老挝、越南、缅甸、柬埔寨、印度、斯里兰卡、马尔代夫、 孟加拉国、尼泊尔、澳大利亚、新西兰和日本。
全球 包括亚洲在内的所有国家（如上所述）, 除了以下所排除的国家。
所排除的国家 以色列、伊朗、叙利亚、白俄罗斯、古巴、刚果民主共和国、朝鲜、 索马里、苏丹、南苏丹、津巴布韦以及所有其它被制裁和宣战的国家
1. 海外 (亚洲/全球)
3. 自动续保 (仅限全年保单) 您仅须根据全年保单条款和规则缴付保费。
(b) 孩童计划/孩童全年计划 －若您年龄介于30天和17岁之间;
(d) 家庭计划 － 若保单持有人年龄介于18岁和69岁之间，保单持有人的一
(1) 位合法 伴侣年龄介于18岁和69岁之间，以及保单持有人的子女年龄介于30天和24岁之间。
在 紧急情况下，您可以拨打+603-79653930 联系我们授权代表的24小时紧急热线 。