Senior Citizen Personal Accident Plan. Complete coverage allows you to enjoy your golden years to the fullest

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Senior Citizen Personal Accident Plan

Complete coverage

allows you to

enjoy your golden years


Innovative features to ensure you

enjoy life and all it has to offer.

The golden years of your life should be as rich and fulfilling as possible.

That’s why at Standard Chartered, we constantly find ways to give you

complete peace-of-mind to enjoy every moment. MSIG Senior Citizen

Personal Accident Plan provides complete coverage and gives you the

freedom you deserve.


Here’s how you, your parents and/or your parents-in-law can benefit from

the plan:

Most retirees enjoy travelling. With the Accidental Death Benefit, you enjoy the

peace of mind knowing that you are fully covered 24 hours a day, anywhere in

the world.

With the Funeral and Repatriation Expenses Benefit, the mortal remains will be

flown in for burial without delay, if accidental death occurs overseas.

Should you become permanently disabled due to an accident, you will be able to

have the best possible care with the Permanent Disablement Benefit.

What if an accident confines you to a wheelchair? With the cash from the

Convalescence Allowance, which you may use as you wish, you will be able to

make minor alterations to your home to make it safer and more accessible.

If you are hospitalised due to an accident, the Hospitalisation Income Benefit,

which pays daily, ensures you have additional cash for personal use. For

example, to pay for the comfort of a private room so that you will be able to get

all the rest you need for a speedy recovery.

You may be more comfortable with traditional medical practices. With the

Medical Expenses Benefit, which covers consultations at general practitioners,

you may also claim for consultation with a registered Chinese physician or


Should you be sued for causing accidental bodily injury to anyone or accidental

damage to property, the Personal Liability Benefit will help to cover the

compensation you might have to pay. This is another unique feature few other

insurance companies offer.

When you enrol today, you will be able to continue to enjoy the lifestyle you, your

parents and parents-in-law have grown accustomed to over the years.


1. Accidental Death

2. Permanent Loss or Disablement due to an accident: a. Both hands or limbs, or one hand and a foot b. Arm at shoulder, or elbow, or wrist

c. Leg at hip, or knee, or ankle

d. Whole eye or loss of sight of both eyes

e. Total paralysis or injuries resulting in being permanently bedridden f. Total insanity

g. Eye: sight of eye except perception of light h. Four fingers and thumb of one hand i. Four fingers of one hand

j. Thumb: both phalanges k. Thumb: one phalanx

l. Index finger: three phalanges This list is not exhaustive.

For full details, please refer to the Policy Document.

3. Convalescence Benefit if wheelchair-bound for 6 months or more 4. Daily Hospitalisation Income Benefit (up to 105 days)

5. Medical Expenses Benefit*

6. Funeral / Repatriation Expenses Benefit* 7. Personal Liability Benefit

Myself or My Spouse (1 person) Myself and My Spouse (2 persons) My Parent / Parent-in-law (1 person) My Parents / Parents-in-law (2 persons) My Parents and Parents-in-law (3 persons) My Parents and Parents-in-law (4 persons)




Myself or My Spouse (1 person) Myself and My Spouse (2 persons) My Parent / Parent-in-law (1 person) My Parents / Parents-in-law (2 persons) My Parents and Parents-in-law (3 persons) My Parents and Parents-in-law (4 persons)

50,000 50,000 50,000 50,000 50,000 50,000 50,000 25,000 26,500 20,000 12,500 5,000 7,500 5,000 160 500 2,000 50,000 15.00 28.50 15.00 28.50 43.50 57.00 STANDARD RM STANDARD RM STANDARD RM 180.00 342.00 180.00 342.00 522.00 684.00 100,000 100,000 100,000 100,000 100,000 100,000 100,000 50,000 53,000 40,000 25,000 10,000 15,000 5,000 180 1,000 2,000 100,000 18.33 34.83 18.33 34.83 53.16 69.66 SUPERIOR RM SUPERIOR RM SUPERIOR RM 220.00 418.00 220.00 418.00 638.00 836.00 150,000 150,000 150,000 150,000 150,000 150,000 150,000 75,000 79,500 60,000 37,500 15,000 22,500 5,000 200 1,500 2,000 150,000 21.66 41.17 21.66 41.17 62.83 82.34 EXCLUSIVE RM EXCLUSIVE RM EXCLUSIVE RM 260.00 494.00 260.00 494.00 754.00 988.00

Annual Premium above does not include stamp duty of RM10. *Any one accident.

MSIG Senior Citizen Personal Accident PlanSUMMARY OF COVERAGE & PREMIUM TABLE

For more information, please call MSIG Hotline at: 1-800-88-6163 Email: Website:

MSIG Insurance (Malaysia) Bhd (MSIG) is licensed under the Insurance Act (Malaysia) 1996 and is regulated by Bank Negara Malaysia. MSIG is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including Standard Chartered Bank Malaysia Berhad’s marketing materials. This brochure is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise Terms and Conditions that apply are in the Policy Document. This plan is underwritten by MSIG, and the Bank accepts no responsibility or liability for the plan or the products and services offered by MSIG.


Our parent company, Mitsui Sumitomo Insurance Co. Ltd. is a leading general insurer in Japan and one of the largest general insurers in Asia, with a Standard & Poor’s rating of AA-. Across Asia, our business is powered by our strong links with intermediaries including local agents and brokers, as well as long-term partnership programmes with multinational brokers and financial institutions.

Headquartered in Kuala Lumpur, MSIG Malaysia has a network of 20 branches and is one of the largest general insurers in the country. With our solid financial backing, deep commitment to service excellence and our combination of global expertise with local knowledge, you can be assured of financial stability and enjoy a wide range of high-quality products and services.

MSIG is a member of MS&AD Insurance Group. More details at


Frequently Asked Questions (FAQs)

1. Who is eligible?

Customers of Standard Chartered, their spouse, parents and parents-in-law between 55 and 75 years of age, who are retired or engaged in non-manual occupations and are currently residing in Malaysia.

2. Why should we enrol for this MSIG Senior Citizen Personal Accident Plan?

This plan is exclusively designed for you. On top of coverage for accidental death and permanent disablement, it includes unique benefits for senior citizens. It pays a lump sum if a wheelchair is needed for at least 6 months due to an accident. You can use this cash as you wish, such as renovating your home to make it more accessible. It also pays a daily income if you are hospitalised for up to 105 days due to an accident. It even covers medical expenses for visits to registered Chinese physicians. It includes a personal liability cover to protect you should you cause third party damage to property or bodily injury, a benefit other insurance companies seldom offer. Full details are set out in the Policy Document.

3. When does the insurance cover become effective?

The cover begins on the first day of the following month upon receipt and approval of your proposal form by MSIG.

4. If I have other insurance policies, how will this plan be affected?

This plan will pay in addition to your insurance policies you, your spouse, your parents and parents-in-law may have from other insurance companies, except for medical expenses which are on a reimbursement basis.

5. Are there any exclusions?

Standard exclusions apply, such as war, contamination by war, invasion, act of foreign enemy, civil war, mutiny, military uprising, revolution, martial law, suicide or self-inflicted injury, pregnancy, childbirth, pre-existing physical or mental defect or infirmity, HIV and AIDS related diseases. Full details are set out in the Policy Document.

6. How do I enrol?

Just complete the online proposal form and submit it to MSIG for immediate processing. No medical examination is necessary and no personal questions will be asked.

7. How do I pay?

Easy. Your monthly / annual premiums can be debited from your Standard Chartered Savings / Current / Credit Card Account or you can pay by cheque. Just complete the payment instruction details on the online proposal form.

8. How do I make a claim?

Just contact MSIG Hotline at 1-800-88-6163 for claims assistance as soon as possible. A MSIG representative will be on hand to assist you in making claims and other related matters. Further details on claims procedure are also contained within the Policy Document. If you are not satisfied with the course of action or decision of the Company, you may seek redress or assistance with the Financial Mediation Bureau or alternatively approach Bank Negara Malaysia’s Customer Service Bureau. For more information, log on to