Critical Illness Insurance for humans!

We pay you up to RM200,000 in cash when you are diagnosed with cancer, stroke, heart attack or kidney failure.

From only RM0.18 a day!

*Policy terms and conditions apply

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EZ Plus Critical Care Insurance is underwritten by MSIG Insurance (Malaysia) Bhd, a general insurance company licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

What do you get?

From only RM0.18 a day, you'll receive:

Cash Payout

Up to RM 200,000 of lump sum cash when you are diagnosed with cancer, stroke, heart attack or kidney failure.

Comprehensive Allowance

We pay you cash for recuperation, medication and travel allowance for your family members to visit as a result of critical illness.

No medical checkups required

Skip the visit to the doctor for checkup and get protected from critical illnesses now

No claims bonus

10% per annum increase of your initial sum insured for every year of no claims

What is covered?

Human medical treatment bills can put an unexpected dent in your finances. Protect yourself from the following four (4) major critical illnesses:

Cancer

Early stage 30% of sum insured

Get covered for carcinoma-in-situ (breast, uterus, ovary, fallopian tube, vulva, vagina, cervix uteri, colon, rectum, penis, testis, lung, liver, bladder, stomach or nasopharynx), early stage prostate cancer, early stage thyroid cancer and early stage urinary bladder cancer.

Critical stage 100% of sum insured provided no Early Stage claim has been made

Get covered for malignant tumour that's diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma. Early stage cancer, cancer in the presence of HIV, skin cancer (except malignant melanoma) are excluded.

Stroke / Specific Brain Surgery

Early stage 30% of sum insured

Get covered to undergo surgical repair of an intracranial aneurysm via craniotomy or surgical implantation of a shunt from the ventricles of the brain to relieve raised pressure in the cerebrospinal fluid. Procedures must be certified to be medically necessary by a neurologist.

Critical stage 100% of sum insured provided no Early Stage claim has been made

Get covered for cerebrovascular accident or incident producing neurological sequelae of a permanent nature, having lasted not less than three (3) months. Also includes infarction of brain tissue due to inadequate blood supply, bleeding within the skull or embolization from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist. A minimum assessment period of three (3) months applies.

Heart Attack and specific heart surgery

Early stage 30% of sum insured

Get covered for when it is medically necessary to:
i) Insert a permanent cardiac pacemaker that is required as a result of serious cardiac arrhythmia which cannot be treated via other means
ii) Undergo a pericardiectomy as a result of pericardial disease or undergoing of any surgical procedure requiring keyhole cardiac surgery

Critical stage 100% of sum insured provided no Early Stage claim has been made

Get covered for death of a portion of the heart muscle due to inadequate blood supply, leading to acute myocardial infarction.

Kidney Failure

Early stage 30% of sum insured

Get covered for the complete surgical removal of one kidney necessitated by any illness or accident. This must be certified to be medically necessary by a nephrologist.

Critical stage 100% of sum insured provided no Early Stage claim has been made

Get covered for end-stage kidney failure that results in chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis or kidney/renal transplantation is required.

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Premiums and Benefits

The right plan for your human needs. Be prepared for a rainy day.

Plan A

The base package with simple coverage for unforeseen critical illness diagnosis

If you are diagnosed with:
Cancer
Kidney failure
Stroke and specific brain surgery
Heart attack and specific heart surgery
After you've survived 14 days from the diagnosis, you get a lump sum cash payment of up to:
RM 100,000
Early stage : 30%
RM30,000 of RM100,000
Critical stage : 100%
RM100,000 of RM100,000
Additional coverage:
Recuperative Allowance
RM5,000
Supplementary Medicine Allowance
RM3,000
Travel Allowance
RM500
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BEST VALUE
Plan A+

The comprehensive package with a larger lump sum payment unforeseen critical illness diagnosis

If you are diagnosed with:
Cancer
Kidney failure
Stroke and specific brain surgery
Heart attack and specific heart surgery
After you've survived 14 days from the diagnosis, you get a lump sum cash payment of up to:
RM 200,000
Early stage : 30%
RM60,000 of RM200,000
Critical stage : 100%
RM200,000 of RM200,000
Additional coverage:
Recuperative Allowance
RM10,000
Supplementary Medicine Allowance
RM5,000
Travel Allowance
RM1,000
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No Claim Bonus

10% per annum increase of your initial sum insured for every year of no claims, up to 5 years.

How does it work?

A simple guide to how our critical illness insurance works

Age 28
Age 25

14 April 2023

Safinah enrolled in our Critical Illness Insurance Plan A at the age of 28, the sum assured: RM100,000

14 May 2023

The 30 days waiting period for diagnosed Critical Stage Critical Illnesses have passed and she is now officially protected from our covered diseases.

13 June 2023

The 60 days waiting period for diagnosed Early Stage Critical Illnesses have passed and she is now officially protected.
Age 30
Age 25

14 April 2025

Safinah unfortunately got diagnosed with Ductal Carcinoma in Situ (DCIS) early stage breast cancer. Her Critical Illness Insurance Plan A coverage disburses 30% of the sum insured, which is RM30,000. She now has RM70,000 left in her policy.

23 June 2025

Thanks to the treatments, Safinah was able to recover from her illness. Safinah renews her Critical Illness plan.
Age 35
Age 25

14 February 2030

5 years later, Safinah unfortunately was found to have Stage 3 Invasive Ductal Carcinoma (Infiltrating Ductal Carcinoma). Safinah will now receive RM70,000 from the remainder of her sum insured.

What's not covered?

We are transparent with what or when our policy does not cover

  • Pre-existing Illnesses
  • Critical Illness first diagnosed within 30 days from the inception date of the Policy for Critical Stage and 60 days for Early Stage except when caused by an accident
  • Critical Illness if you did not survive for at least 14 days after diagnosis by a Physician
  • Critical Illness arising from congenital abnormalities or deformities including hereditary condition
  • Flying activity other than as a passenger in a commercially licensed aircraft
  • Alcohol or solvent abuse or the taking of drugs except under the direction of a Physician
  • Unreasonable failure to seek or follow medical advice
  • Hazardous sports or pastimes including taking part in (or practicing for) boxing, caving, climbing, horse-racing, jet-skiing, martial arts, mountaineering, off-piste skiing, pot-holing,  power-boat racing, underwater diving, yacht racing or any race, trial or timed motor sport
  • Infection with Human Immunodeficiency Virus (HIV) or conditions due to any Acquired Immune Deficiency Syndrome (AIDS) except as provided for in the “HIV Resulting from Blood Transfusion” benefit when such benefit is included in the Policy
  • A claim arising directly or indirectly from infection from or conditions due to any  communicable diseases which require quarantine by law
  • Living outside the Usual Country of Residence as defined in the Policy for more than three  consecutive months in any 12 months, except where the permanent change in usual Country of Residence has been notified and accepted in writing by the Company.
  • Mental illness, psychiatric, self-inflicted injury or suicide, sexually transmitted diseases
  • Any unlawful or illegal act of the Insured Person
  • War and related risks
  • Acts of Terrorism
Note: This list is non-exhaustive. Please refer to policy wordings for the full lists of exclusions.

Frequently Asked Questions

Still have some questions? Read the FAQ below to get your questions answered!

Who is eligible to enrol for the policy?

Any Malaysians and PRs residing in Malaysia between 15 days and 59 years of age will be eligible for coverage. Coverage can be extended beyond age 59 if you have been enrolled in this Policy before that age and renew continuously up to the maximum age of 70.

What is Pre-existing Illness?

Pre-existing Illnesses are conditions that you already know of before purchasing this Policy. You may be considered to have reasonable knowledge of a pre-existing illness if:
• You have received or is receiving treatment
• Medical advice, diagnosis, care or treatment has been recommended by a doctor
• Your symptoms are obvious.
• Its existence would have been apparent to a reasonable person in the circumstances

Do I have to live in Malaysia to enjoy the benefits of this Policy?

You will not be able to enjoy the benefits of the Policy if you are living outside your registered Country of Residence for more than 3 months consecutively in any year, unless the change of your Country of Residence has been notified and accepted by MSIG.

Is there a "Waiting Period"?

Yes. You cannot claim for any Critical Stage Critical Illness diagnosed within 30 days from your policy start date. You also cannot claim for any Early Stage Critical Illness diagnosed within 60 days from your policy start date.

What are the implications of switching policy from one insurer to another?

If you switched to another insurer and your current health status is less favourable to the new insurer, you may be imposed with new terms and exclusions and have to go through the standard waiting period before you can make any claim.

Do I need to have a medical examination/check-up before enrolling?

No, you don’t unless you have a medical history for which we may ask for your latest medical records.

What is “Survival Period”?

“Survival Period” is the length of time you must survive after you are diagnosed as having a specified critical Illness to be able to make a claim. For Critical Illness, the survival period is 14 days after diagnosis.

How do I renew my policy?

You will receive a notification on the renewal 60 days before the expiry of your existing policy and if you have provided consent for us to do so your policy will be renewed automatically (auto-debit) on a yearly basis, where premium will be adjusted if you enter a higher age band.

How do I cancel my Policy?

There is a “Cooling-Off Period” of 15 days given to you to review the suitability of this product. If you request for a cancellation or refund during this period, the full premium will be refunded to you minus any administrative expenses incurred.

After the “Cooling-Off Period”, you may request to cancel the policy at any time by providing notice to Oyen or MSIG. However, we reserve the right to determine the amount of premium to be refunded based on duration of policy or to reject the request altogether.

How do I make a claim?

Fill up this claim form to submit your claims. Submit the completed claim form together with all relevant documents as soon as possible upon the diagnosis of your condition.
Submit a claim

How do I enrol for the Policy?

Click "Get Quote" and Oyen will contact you very soon.

What do I need to do if there are changes to my contact details?

Please email all changes of your contact details to criticalillness@oyen.my. It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

How do I lodge a complaint if I am unhappy with the product or services?

If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with Oyen. If you are still unsatisfied with the decision, you can contact MSIG's Customer Service Centre.

If you wish to, you can further escalate any matter to the Customer Services Bureau of Bank Negara Malaysia or the Ombudsman for Financial Services (OFS), free of charge.

Get yourself protected from critical illnesses today

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