Liberty FlexiCare

Prepare yourself and your loved ones for life's uncertainties with this insurance. Get financial relief to help your family out of difficult times in the event of physical disability, hospitalisation and accidental death!

Liberty FlexiCare
Accidental Death
up to RM300k
Permanent Disablement
up to RM300k
Medical Expenses

Features

What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 70 years
Worldwide Assistance
24-hour worldwide assistance
No Claim Bonus
-a 10% increase of sum insured per year, and up to 50% for a period of five years

Coverage

How much you can claim for Liberty FlexiCare

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM100k up to RM300k based on the chosen plan
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM100k up to RM300k based on the chosen plan
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
RM5,000 coverage for all plans
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM3k up to RM5k based on the chosen plan
RepatriationTotal expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
RM3,000 coverage for all plans
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k up to RM7k based on the chosen plan
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM150 up to RM250 per day, up to 180 days, based on the chosen plan
Rehabilitation BenefitExtra reimbursement to help cover some of the costs while you recover.
RM1,000 coverage for all plans but in the event the hospitalisation exceeding 7 consecutive days, an additional RM1,000 is payable to you
Travel ExpensesTravel reimbursement for family members to visit you while in the hospital.
RM1,500 coverage for all plans. Your immediate family member will also receive RM200 per week of travel expenses when visiting you in a hospital

How to Claim

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

What’s the point of having insurance protection but clueless in submitting a claim? Don’t be ignorant of your safety and follow these simple steps:

  • Notify Liberty Insurance within 30 days of the accident. Then, you will be given a claim form to fill up.
  • Please also prepare the necessary documents as 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, physician report and status report on the disability (both from the specialist)

If there's a need for other types of documents, Liberty Insurance will guide you throughout the process.

Requirements

Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 70 years of age

More Information

What is Liberty FlexiCare about?

Liberty FlexiCare is a 24-hour comprehensive personal accident policy that provides a financial blanket for you and your family in the event you are injured, disabled or might have died in an accident.

What benefits will I get from this PA policy?

This personal accident insurance policy can be customised to meet your lifestyle needs at affordable rates. There are eight (8) benefits offered under Liberty FlexiCare with more enhanced features and coverage amount.

You will also get three types of allowances from Liberty Insurance namely the Travel Allowance, Funeral Allowance and Hospital Income. This is in addition to Rehabilitation Benefits, Dental or Corrective Cosmetic Surgery and Repatriation Expenses reimbursement.

Do I get a no-claim bonus?

Yes, you can enjoy a 10% increase on your sum insured per year, up to 50% for a period of five (5) years, provided that you did not make any claim during the period of coverage.

Is the premium inclusive of other fees and charges?

Yes, it is. Your protection plan will be subject to a risk category, which will determine the amount of premium you should pay annually. Thereon, a Government Service Tax (GST), an 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 to a refund of the premium based on the short period rate; i.e. the unexpired period of insurance, on the condition that you have not made any claims within the period.

For more information, click to read the Policy Wording.

Personal Accident Insurance » Liberty Insurance

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