Liberty Insurance

Underwritten by Liberty Insurance Berhad

Liberty Flexi Insurance

If you are a person who loves to call your the shots in your life, then this is the right plan for you. Enjoy the flexibility of choosing your desired coverage amount from accidental death to medical expenses.


    What makes this insurance policy stand out?

    • Cover Type
      for individual
    • Maximum Entry Age
      protection up to 65 years of age
    • Worldwide Assistance
      24-hour worldwide coverage
    • Renewal Bonus
      5% increase of sum assured up to 15% Sum assured for accidental death and permanent disablement


    How much you can claim for Liberty Flexi Insurance

    • Accidental Death
      The coverage amount paid to your closest family members if you die in an accident.
    • Permanent Disablement
      Cash payout following an accident if you can't work any longer or perform day to day tasks.
    • Temporary Total Disablement
      Cash compensation if you are unable to work temporarily because of total disability.
      Flexi per week up to 104 weeks
    • Medical Expenses
      What's covered for your medical treatment and services if you're involved in an accident.
      Flexi per accident
      • Dental And Cosmetic Surgery
        Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
        up to RM2000
      • Funeral Expenses
        What your insurer will cover for your funeral if you pass away in an accident
        up to RM3000
      • Alternative Medical Treatment
        In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
        up to RM250 Max of RM250 per accident
      • Temporary Partial Disablement
        Partial compensation if you are temporarily only able to perform limited work after an accident.
        Flexi per week up to 104 weeks
    View more coverage details +


    How much your premiums may cost

    • Budget Planner

      Dylan's wife just got pregnant and more expenses is coming his way. A financial blanket is essential to keep his family going.

      Suggested PremiumRM114.48
      Get Quote
    • Retiree

      Mr. Cheah is having the time of his life after retiring from work. He doesn't want to let anything come in his way by getting a PA insurance.

      Suggested PremiumRM154.76
      Get Quote
    • Young Entrepreneur

      Ishak values his life more than anything else as he still have dreams to achieve and more than half a life to live. He is willing to spend to get the best protection for his future.

      Suggested PremiumRM408.10
      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

    What’s the point of having an insurance protection but clueless when it comes to submitting claim? Don’t be ignorant of your own safety and follow these simple steps:

    • Notify Liberty Insurance within 30 days from the date of death. Then, you will be given a claim form and are required to fill it up.
    • Also, prepare the necessary documents as a proof of your claim:
      • For Death Claim: Certified copy of death certificate, copy of policyholder's IC and policy, burial permit, police report, post-mortem report (compulsory to non-Muslims).
      • For Permanent Disablement Claim: Police report, and physician report and status report on the disability (both from the specialist)
    Customer Service Hotline


    Am I eligible to apply for this insurance?

    Minimum Age
    At least 16 years of age
    Maximum Age
    At most 60 years of age
    Maximum Renewal Age
    At most 65 years of age

    Frequently Asked Questions about Liberty Flexi Insurance

    Things you might want to know

    How flexi is Liberty Flexi Insurance?

    This personal accident policy gives you the flexibility to choose your desired coverage amount for claim arising from Death, Total or Permanent Disablement and Medical Expenses, unlike most of other products out there.

    What’s more, you will also receive cash allowance for funeral expenses up to RM3,000 and for corrective dental and cosmetic surgery up to RM2,000.

    What other benefits will I receive?

    Say, you want to refer to a Sinseh or traditional medical practitioner to supplement your recovery process, this policy will reimburse your expenses a maximum of RM25 per visit.

    Also, Liberty Insurance will ensure that you stay protected 24-hour per day, everywhere around this world under this personal accident plan.

    Is there a renewal bonus?

    Yes, there is. You can enjoy a renewal bonus of 5% every year up to 15% for a period of 3 years. There is a catch, though; as long as you did not make any claims for Death and Permanent Disablement benefits during your coverage.

    Is the premium inclusive of other fees and charges?

    Yes, it is. Your protection plan will subject to a risk category, which will determine the amount of premium you should pay annually. Thereon, a GST of 6%, agent commission of 25% and a stamp duty of RM10 will be applied to the total premium.

    Can I cancel the policy after purchasing it?

    Liberty Insurance requires a written notice from you before you can make any cancellation. You will be entitled for a refund of premium based on short period rate; i.e. the unexpired period of insurance, on a condition that you have not made any claims within the period.

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