MSIG Malaysia has introduced an assisted living benefit as an optional add-on to its personal accident (PA) products, marking the first time such coverage has been made available within Malaysia’s general insurance market.
The MSIG PA Add-On: Assisted Living provides monthly reimbursement of up to RM5,000 (approx. US$1,100) for nursing care expenses over a period of up to 12 months per injury.
Coverage applies to policyholders who are medically certified as unable to perform at least three activities of daily living (ADLs), including dressing, washing, toileting, mobility, transfer, and feeding. A follow-up assessment is required after six months to confirm continued eligibility.
While assisted living expenses have traditionally been covered under life insurance, MSIG Malaysia’s add-on introduces this feature to the general insurance segment, extending the scope of personal accident coverage to include intermediate care.
The add-on is available to policyholders under MSIG’s Prime PA, Individual PA, and Senior Citizen PA plans. It applies to care delivered in a registered nursing home, care centre, or at home by a licensed nurse.
