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
up to RM5k


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
Renewal Bonus
10% increase of sum assured up to 50%   Sum assured for accidental death and permanent disablement


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 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM100k up to RM300k 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM5k up to RM5k 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM3k up to RM5k 
RepatriationTotal expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
from RM3k up to RM3k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k up to RM7k 
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
Rehabilitation BenefitExtra reimbursement to help cover some of the costs while you recover.
from RM1k up to RM1k 
Travel ExpensesTravel reimbursement for family members to visit you while in the hospital.
from RM200 up to RM200 per week up to RM1500 per accident

How to Claim

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

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)


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 customized to meet your lifestyle needs at affordable rates. There are 8 benefits offered under Liberty FlexiCare with more enhanced features and coverage amount.

Also, you will also get three types of allowances from Liberty Insurance such as Travel Allowance, Funeral Allowance and Hospital Income. This is in addition to Rehabilitation Benefit, Dental/Corrective Cosmetic Surgery and Repatriation Expenses reimbursement.

Do I get discount for renewal?

Yes. A renewal bonus, i.e. non-claim discount, of 10% per year will be granted upon your next policy renewal. That’s not all, this bonus is applicable up to 5 years of renewal, 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 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.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product