Liberty Insurance

Underwritten by Liberty Insurance Berhad

Liberty MediStar Medical Card

Don't let exorbitant hospital bills destroy your savings plan! Pay as little as a packet of nasi lemak a day to get financial protection for hospitalisation and extra death benefits.

    • Hospital Accommodation Up To 150 Days
    • 4 Years No Claim Bonus At 20%
    • Family Discount Starting At 5%
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for Liberty MediStar Medical Card

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Liberty MediStar Medical Card

To help you get the most out of your medical card we’ll need to ask you a few questions.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help you complete your application!

Continue to Liberty Insurance website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.


How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM40000 up to RM120000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM120000 up to RM360000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 up to RM300per disability
    • Consultation & Diagnostic Procedures
      As Charged
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM15000 up to RM45000per year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM15000 up to RM45000per year
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM20000 up to RM50000per lifetime
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM5000 up to RM15000
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM100per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM50 up to RM100per day
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM100 up to RM175
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM80
    • Permanent Total Disablement
      Compensation for total and permanent disablement due to sickness.
      from RM15000 up to RM40000
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Kelly is 26 years old and she's working as an executive for about a year. She's looking for an affordable medical insurance.

    Suggested PremiumRM460.00
    Get Quote
  • Homemaker

    Umi Ami is in her mid-30. She wants an affordable medical insurance that the monthly premiums is less than RM50.

    Suggested PremiumRM510.00
    Get Quote
  • Office Admin

    Auntie Anne is turning 51 soon. She's looking the best Liberty Insurance medical card.

    Suggested PremiumRM1470.00
    Get Quote

Actual premium rates will be determined by Liberty Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

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.

Medical Assistance Hotline & Services
Asia Assistance Network
Liberty Insurance Customer Care Hotline


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about Liberty MediStar Medical Card

Things you might want to know

What is the Liberty MediStar all about?

This medical insurance is a 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 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. 

Get discount as high as 10% when you extend the coverage to your loved ones which can include you, your spouse, and your children. 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

Is 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 policy?

Your policy can be cancelled by giving a 30 days notice to Liberty Insurance in writing. If you have just received your policy, premium paid less deduction of medical fee incurred will be refunded to you by delivering the policy back to them within 15 days. 

Read More