The First General Insurer To Launch
An Innovative Product For People�With Pre-Diabetes And Type 2
Diabetes

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Policyholders Will Be Rewarded
For Managing Their Diabetes Condition Effectively

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KUALA LUMPUR, MALAYSIA�-�Media OutReach�-�12
April 2019�- MSIG Insurance (Malaysia) Bhd "(MSIG Malaysia)" has launched a dedicated
insurance for the growing number of Malaysians diagnosed with pre-diabetes and type
2 diabetes.

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MSIG Gluco SafeGuard
recognises that millions of Malaysians with pre-diabetes and type 2 diabetes
have difficulty obtaining proper health insurance coverage, with the majority
of traditional health insurance policies excluding pre-existing medical
conditions (medical conditions identified before purchasing the insurance).

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Gluco SafeGuard
insurance provides comprehensive coverage for the wide variety of illnesses and
treatments that normal health insurance plans do, but with additional
protection and assurance for diabetic patients. Gluco SafeGuard has been
specifically designed to provide greater peace of mind to diabetic patients,
who may face additional uncertainties, costs, and claims complications when
utilising normal health insurance policies, particularly if diabetes ends up
being a factor in their illness and treatment.

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Another key
feature of MSIG's Gluco SafeGuard insurance is that it is innovatively packaged
with complimentary premium access to a dedicated Diabetes Management App
(Health2Sync) that can help policyholders monitor and manage their diabetes
effectively.

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Premium access to the Health2Sync app, will enable policyholders to
self-monitor by conducting their blood glucose and haemoglobin tests in a
timely and regular manner. It will also provide lifestyle and dietary
recommendations to help policyholders achieve a healthier blood sugar level.
Policyholders who dutifully and consistently perform their tests and record the
results in the App itself can enjoy a premium reduction of up to 40% upon their
next policy renewal, subject to eligibility and underwriting criteria.

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The provision of the App
promotes self-disciplined
health management, which differentiates Gluco Safeguard from some other diabetes-related insurance
offerings that rely only on one-off tests in advance of policy renewal. Gluco SafeGuard
rewards policyholders who sustain a healthy lifestyle on a consistent basis and
not merely for a short period of time. Another key difference of MSIG's product
is there is no co-insurance (a health care cost-sharing between an insured
person and the insurance company) expected of the policyholder for admission
into hospitals.

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Malaysia has the highest rate of Diabetes in Asia and one of the highest
in the world. According to figures released by The International Diabetes
Federation (IDF), there are currently (2019) about 3.6 million
adults with diagnosed diabetes in Malaysia, an increase from 3.5 million in
2017.� In
addition, the diagnosis of diabetes in
people between the age of 18 and 35 has increased by 300% in the last 15 years,
according to a statement by the Health Minister, Datuk Seri Dr. Dzulkefly
Ahmad, 27 March 2019, The Malaysian Reserve.

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Mr. Chua Seck Guan,
Chief Executive Officer, said "Diabetes
is clearly a large problem in Malaysia, which is why we have chosen to launch
this innovative 'Gluco SafeGuard' product which is specifically designed for people
with pre-diabetes and type 2 diabetes. Our objective was to not only give customers�the peace of mind that
they can handle the increased financial consequences of the condition, but also
provide a tool to help them understand and manage the condition in an effective
way."

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Mr. Chua continued, "At MSIG we
pride ourselves on 'seeing the heart in everything' and as such we felt a
responsibility to encourage and reward our customers to make choices to minimise
the impact of the condition and enjoy a better overall quality of life for
themselves and their families. This is why we are providing complimentary
premium membership use of the Health2Sync App as part of the 'Gluco SafeGuard'
policy, along with rewards to encourage its use. We hope that this approach
will not only benefit our customers directly, but also play a small part in
helping the country tackle the diabetes epidemic."

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Further details of MSIG's 'Gluco SafeGuard' insurance
policy, you may click to watch the product feature� video here: https://www.youtube.com/watch?v=pOnzaTF2zEk . Interested parties can also contact a MSIG
Insurance Adviser or visit www.msig.com.my for more information.

About MSIG Insurance (Malaysia) Bhd

MSIG Insurance (Malaysia) Bhd ("MSIG
Malaysia") is a subsidiary of Mitsui Sumitomo Insurance Company, Limited
and a member of MS&AD Insurance Group Holding, Inc. (MS&AD), one of the
top ten** general insurers in the world.

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With over 100 years of general insurance experience
and a nationwide network of 20 branches in Malaysia, MSIG Malaysia is one the
leading general insurers in Fire, Engineering and Motor classes and No.1 in
Marine Cargo, offering extensive range of products and services for personal and
business needs.

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In
2015, MSIG Malaysia was recognised as the "General Insurance Company of the
Year" at the Asia Insurance Industry Awards for efforts in advancing customer
experience and industry leadership in Enterprise Risk Management.

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For more information on MSIG Malaysia, visit www.msig.com.my or
facebook.com/MSIGMalaysia.

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*As
of Dec 2017

**Fortune
Global 500, 2017.