How much you can claim for hospital bills
Additional benefits with this insurance
Who do I contact if I have a question or emergency?
Visit one of your nearest Liberty Insurance branch and notify the claim verbally or in written form. The customer service personnel will let you know the required documents you need to prepare to complete your claim.
You can check the claim status online at Liberty Insurance Claims Center upon documents submission.
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 Liberty MediStar medical card cashless admission plan, you'll be guaranteed immediate hospital admission.
You can claim up to the Overall Annual Limit or up to the lifetime limit according to the protection medical insurance plan that you've chosen.
Yes, this Liberty medical card 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.
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!
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:
| No-Claim Period | Discount |
| 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 |
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).
You can pay for this medical insurance using auto-debit from your Visa or MasterCard credit card account.
Your Liberty Medistar Medical Card policy can be cancelled by giving a 30 days notice to Liberty Insurance in writing.
If you have just received your medical insurance 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.
We’ll guide you through your application for this financial product