Liberty Insurance

Underwritten by Liberty Insurance Berhad

Liberty SmartCover

Personalise your PA insurance protection with Liberty by choosing your coverage amount, weekly benefits, hospital coverage and more! Get the comprehensive coverage you want without having to pay extra.

    Get covered now with Liberty SmartCover

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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 SmartCover

    • 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.
    • 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.
        up to RM2000
      • Repatriation
        Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
        up to RM3000
      • Funeral Expenses
        What your insurer will cover for your funeral if you pass away in an accident
        up to RM3000 3% of accidental death sum assured
      • Alternative Medical Treatment
        In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
        up to RM250 per accident
      • Rehabilitation Benefit
        Extra reimbursement to help cover some of the costs while you recover.
      • Temporary Partial Disablement
        Partial compensation if you are temporarily only able to perform limited work after an accident.
      • Travel Expenses
        Travel reimbursement for family members to visit you while in the hospital.
        from RM200 per week up to RM1000 per accident
    View more coverage details +


    How much your premiums may cost

    • Budget Planner

      Working as a receptionist, things are financially tight for Mukhtar who has just celebrated his 27th birthday. He's looking for a basic plan that's within his budget..

      Suggested PremiumRM84.00
      Get Quote
    • Machinery Operator

      Even though he's got to pay higher premiums as a crane operator at the age of 39, Kok Ming is thankful that he's found a plan which gives him financial cover.

      Suggested PremiumRM116.00
      Get Quote
    • Young Entrepreneur

      At the age of 30, Rose has everything she wanted including a business of her own but not personal accident insurance. She's decided to get a comprehensive plan that's up to her expectations.

      Suggested PremiumRM471.00
      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


    Am I eligible to apply for this insurance?

    Minimum Age
    At least 18 years of age
    Maximum Age
    At most 60 years of age
    Maximum Renewal Age
    At most 70 years of age

    Frequently Asked Questions about Liberty SmartCover

    Things you might want to know

    Tell me about Liberty SmartCover.

    Liberty SmartCover is designed specifically to those looking for the flexibility to select the type and level of coverage based on their needs. It provides a comprehensive set of benefits and round-the-clock protection so you and your family can have a financial blanket when life is taking a wrong turn.

    What can I get from this insurance policy?

    Depending on your budget, you can create a plan that best suited to your budget. Liberty SmartCover’s benefits include Death or Permanent and Temporary Disablement, Medical Expenses, Funeral Expenses, Repatriation Expenses, Dental or Corrective Cosmetic Surgery, Travel Allowance and Rehabilitation Benefit.

    Do I get discount for renewal?

    If you have not made any claims under death and permanent disablement during your coverage period, you will receive a bonus of 10% per year on your next policy renewal. Should you maintain that way until 5 years of renewal, the non-claim discount can reach up to 50%!

    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% and agent commission of 25% will be applied to the total premium, excluding RM10 Stamp Duty.

    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 for the unexpired period of insurance; unless you have made any claims within the period of coverage.

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