What is the Liberty Medistar all about?
This medical insurance is an all-in-one policy that covers your room & board charges at any Libery Insurance panel hospital, medical fees, surgical expenses, outpatient treatment, specialist consultation, emergency medical treatment and so much more!
Need to get to the Emergency Room fast? With the MediStar cashless admission plan with free Medical Card, you'll be guaranteed immediate hospital admission.
How much can I claim?
You can claim up to the Overall Annual Limit or up to the lifetime limit according to the protection plan that you've chosen.
Will the Liberty MediStar cover me worldwide?
Yes, this policy is effective worldwide for 24 hours a day, up to 90 days from the day you leave Malaysia.
The benefits you stand to receive will be subjected to the reasonable and customary charges on the basis that the cost for the said treatment would be reasonably charge by a Hospital or Physician back home in Malaysia.
Who can buy this medical card from Liberty Insurance?
A 30-day old newborn child can now be protected with this insurance plan. Get guaranteed renewal up until you reach the age of 70!
What are the highlights of this Liberty medical insurance?
Long queue lines are hard to tolerate especially government hospitals, but with Liberty Medistar medical card, you will be prioritised and get immediate hospital admission without paying any deposit or upfront fee at all.
Only upon discharge you will have to settle all excess charges, if any.
You will be entitled to even more discount on premium if there's no claim made for at least 2 consecutive years.
We've broken down your discount entitlement below:
|2 consecutive years preceding renewal||10% discount on premium|
|3 consecutive years preceding renewal||15% discount on premium|
|4 consecutive years preceding renewal||20% discount on premium|
Furthermore, you can enjoy Family Discount as high as 10% when you extend the coverage to your loved ones which can include you, your spouse, and your children.
|Family Discount Condition||Discount|
|Insured + Spouse||5% discount on premium|
|Insured + Children||5% discount on premium|
|Insured + Spouse + Children||10% discount on premium|
Are there any fees or charges that I have to pay?
Your total premium will be inclusive of 15% of the premium for insurance agent commission, RM10 stamp duty, and last but not least, the 6% Goods and Services Tax (GST).
How do I pay my premiums?
You can pay for this medical insurance using auto-debit from your Visa or MasterCard credit card account.
What should I do if I want to cancel my Liberty Medistar policy?
Your policy can be cancelled by giving a 30 days notice to Liberty Insurance in writing.
If you have just received your policy, the premium paid less deduction of medical fee incurred will be refunded to you by delivering the policy back to them within 15 days.