Liberty Insurance

Underwritten by Liberty Insurance Berhad

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!

    • Up to RM300k Accidental Death Benefit
    • Up to RM300k TPD Benefit
    • Up to RM5000 Medical Expenses Benefit

Get covered now with Liberty FlexiCare

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What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 70 years of age
  • 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 Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM100000 up to RM300000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM100000 up to RM300000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
      from RM3000 up to RM5000
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
      from RM5000 up to RM7000
    • Hospital Allowance
      This 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 Benefit
      Extra reimbursement to help cover some of the costs while you recover.
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      RM200 per week up to RM1500 per accident
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Norma thinks it's important to be always on the safe side in any circumstances. That is why she is going for a PA insurance.

    Suggested PremiumRM180.20
    Get Quote
  • Assembly Line Worker

    Having to work in a manufacturing plant, Eunice is well aware of the need of a protection in case she suffers personal injury from an accident on the job.

    Suggested PremiumRM286.20
    Get Quote
  • Business Traveller

    Shubli is a dedicated businessman who put his safety on top of everything, he would never save on getting the best insurance plan. 

    Suggested PremiumRM477.00
    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

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
 1 300 888 990


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about Liberty FlexiCare

Things you might want to know

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.

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