Liberty MediStar Medical Card

With Liberty MediStar Medical Card, you can pay as little as a packet of nasi lemak a day to get financial protection for hospitalisation and extra death benefits.

Liberty MediStar Medical Card
Annual Limit
up to RM120k
Lifetime Limit
up to RM360k
Room & Board
up to RM300
Coverage Age
30 days - 70 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM40k up to RM120k
Lifetime Limit
from RM120k up to RM360k
Pre-Hospitalisation Diagnostic Tests
from RM15k up to RM40kper disability, within 31 days before admission
Room & Board
from RM100 up to RM300per disability, max. 150 days
Surgical Fees
from RM15k up to RM40kper disability
Pre-Hospitalisation Consultation
from RM15k up to RM40kper disability, within 31 days before admission
Intensive Care Unit (ICU)
As charged max. 75 days
Hospital Services and Supplies
As charged 
Anaesthetist Fees
from RM15k up to RM40kper disability
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
from RM15k up to RM40kper disability
Post-Hospitalisation Treatment
from RM15k up to RM40kper disability, within 31 days after discharge
Outpatient Kidney Dialysis Treatment
from RM15k up to RM45kper year
Outpatient Cancer Treatment
from RM15k up to RM45kper year
from RM15k up to RM40kper disability, within 31 days after discharge
Organ Transplant
from RM20k up to RM50kper lifetime
Emergency Accidental Outpatient Treatment
As charged 
Accidental Death
from RM5k up to RM15k
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM100per day
Insured Child Guardian Benefit
from RM50 up to RM100per day
Home Nursing Care
from RM100 up to RM175within 31 days after discharge
Medical Report Fee
from RM80 
Permanent Total Disablement
As charged from RM15k up to RM40k


Additional benefits with this insurance

No Claim Bonus
4 years no claim bonus at 20%
15 days cancellation refund
Hospital Accommodation
Up to 150 days
Family discount
Up to 5%

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
Liberty Insurance Customer Care Hotline

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.


Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 70 years of age
Coverage Expiry Age
At most 70 years of age

More Information

What is the Liberty Medistar Medical Card?

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.

How much can I claim from this medical insurance?

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.

Will this Liberty medical card cover me worldwide?

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.

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:

No-Claim PeriodDiscount
2 consecutive years preceding renewal10% discount on premium
3 consecutive years preceding renewal15% discount on premium
4 consecutive years preceding renewal20% 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 ConditionDiscount
Insured + Spouse5% discount on premium
Insured + Children5% discount on premium
Insured + Spouse + Children10% 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 medical card policy?

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. 

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