1MCA Member Group Insurance Scheme

On Monday    09-02-2015 16:51:00


The MCA Central Committee had at its meeting held on 10th January 2017 resolved to purchase a Group Accidental Insurance policy for all our party members so as to provide them with insurance protection with the terms and conditions as follows:-

  1. The family of any party member whose death is caused by an accident be paid a total sum assured of Ringgit Malaysia Ten Thousand (RM10, 000) only together with a bereavement benefit of Ringgit Malaysia Two Thousand (RM2, 000) per insured.
  2. Any member whose death is not caused by an accident shall only be paid a bereavement benefit of RM2, 000 only.
  3. A claim payment of Ringgit Malaysia Five Thousand (RM5, 000) shall be paid to any member who suffers partial disability.
  4. A claim payment of Ringgit Malaysia Ten Thousand (RM10, 000) shall be paid to any member who suffers Permanent disability.

The premium of the said insurance shall be borne by the MCA Headquarters and party members shall enjoy the coverage free of charge.

Terms & Conditions

1.  Eligibility of Applicant

  • Existing insured Members who applied as of 31 December 2016 will continue to enjoy the benefits under the scheme.
  • The age limit will be capped from 18-80 years old for existing valid members as on 31 December 2015 of the Association with subscription paid up to year 2017 who apply from 1 January 2017 onwards (members who were born in 1937 or after).
  • For new memberships approved in year 2015, they must have at least 3 years membership in order to participate in the above project.
  • Any member whose membership has been withdrawn, terminated or suspended shall not be eligible to apply for this scheme.

2.  Application Procedures

  • The applicant must complete a “MCA Member Group Insurance Scheme” Form and submit it to the MCA HQ Secretariat together with the following required documents:
    1. A photocopy of the MyKad of the applicant (both sides).
    2. A photocopy of the MyKad or Passport of the beneficiary’s/nominee (both sides).
  •  All incomplete forms/documents will not be accepted.
  •  Form can be downloaded from MCA website at www.mca.org.my.

3.   Enforcement of the Insurance Policy

  • The master policy shall take effect from 1st January 2017 to 31st December 2017.
  • The coverage of the policy shall take effect upon the receipt and acceptance of the duly completed forms which have been forwarded to the Insurance Company and shall be in force.

4.   Payment of Sum Assured

  • Accidental Death        : RM10,000
  • Total Disability            : RM10,000
    1. Loss of both hands or both feet or sight of both eyes
    2. Loss of one hand and one foot
    3. Loss of either hand or foot and of one eye
    4. Total paralysis or being permanently bedridden
    5. Permanent total disablement from engaging in or attending to employment or occupation of every description.
    6. Disappearance for more than 1 year due to a cause
  • Partial Disability         : RM5,000
    1. Loss of either hand or foot
    2. Loss of sight of one eye
  • Bereavement Allowance: RM2,000 (All Causes)


This Policy does not cover any result directly or indirectly caused by or consequent upon:-

  1. participating in hazardous and dangerous sport or competition such as hunting, climbing or mountaineering which require the use of ropes or guides, aviation except as passenger or crew in fully licensed passenger carrying aircraft, racing of any kind other than on foot, speed or reliability trials, parachuting, hand gliding, potholing sport where participants explore underground caves, aqualung or scuba diving, taking part in winter sports, skating of any kind, rock-climbing.

5.   Nominee / Beneficiary

  •  Must at least 18 years old and above.
  •  Must be a next of kin such as spouse, children, parents or siblings, etc.
  •  Not applicable to anyone who is a drug addict, gambler, bankrupt or a person with low morals
  •  Maximum of 2 nominees is allowed (the % of shares therein must be indicated clearly) 

6.  Witnesses

  • Witnesses can either be the Chairman, Deputy Chairman, Secretary, Organizing Secretary, Youth Chief and Wanita Chief of the respective States/Divisions/Branches
  • All MPs, State Assemblymen, District and Municipal Councilors
  • All Executive Secretaries of the respective States and Divisions
  • All Staff of MCA Headquarters.

7.  Claims Procedures

  1. All life assured /beneficiary must within 30 days after the occurrence of the Disability or Death notify the party HQ then submit the duly completed “Claim Form” to the party HQ for checking and thereafter to be forwarded to the Insurance Company for processing. The Claims Form may be downloaded from the official website of MCA at www.mca.org.my.
  2. MCA members’ beneficiaries must notify and submit the claim forms to the Party HQ before the specified dateline below, failing which, the      insurance company will not process the said claims.

    • Deaths / accidents befalling from 1 January to 28 December 2017

    • Deadline for claim submission: 31 December 2017

    • Deaths / accidents befalling from 29 December to 31 December 2017

  • Deadline for claim submission: 5 January 2018
  • The documents required to be enclosed are as follows:-
    • Bereavement Allowance
    1. Death Certificate;
    2. A photocopy of the MyKad or Passport of the Beneficiary (both sides)
    3. A copy of Bank Statement or Passbook of the Beneficiary
    • Accidental Death
    1. Death Certificate;
    2. Medical Report or Full Post Mortem Report;
    3. Police Report;
    4. Driving License if it involved a road accident
    5. A photocopy of the MyKad or Passport of the Beneficiary (both sides)
    6. A copy of Bank Statement or Passbook of the Beneficiary
    • Total & Partial Disability
    1. Medical Certificate;
    2. X-Ray if there is severance od any part of body;
    3. Photos showing the amputation part of the body / Photos of the injured part of the body;
    4. Police report if it involved a road accident;
    5. Driving License if it involved a road accident
    6. A photocopy of MyKad or Passport of the beneficiary (both sides)
    7. A copy of Bank Statement or Passbook of the Beneficiary

        3.   All claims will be made via e-payment to the beneficiary after having been verified by the                Insurance Company that all particulars (including bank account details) and documents as given are complete and are free from any mistake

8.  Enquiries

  • MCA HQ Group Insurance Secretariat – Kee Yong Seng (03-2203 3921)

  • In order to avoid late claims, MCA HQ requests that all comrades who are responsible for handling MGIS upon knowing of any death / accident , must notify the HQ with the name and the IC number of the party member through WhatsApp / SMS to 011-1237 2697 or email to insurance@mca.org.my, and send the claim form together with the required documents to MCA HQ.

  • All completed forms & its duplicate documents must send to: 

MCA HQ – MGIS Secretariat
9th Floor, Wisma MCA
163, Jalan Ampang
50450 Kuala Lumpur

** Please help to send out the above information to all of your members, to notify the HQ of the relevant claims before the deadline of 31st December 2017, otherwise the insurance company will not handle the claim.

**MCA HQ reserves the right to amend all rules and regulations whichever deemed necessary.