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
      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
      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
      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

    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