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.

Liberty SmartCover
Accidental Death
up to RM10k
Permanent Disablement
up to RM10k
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 SmartCover

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
Flexiup to RM10k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
Flexiup to RM10k 
Temporary Total DisablementCash compensation if you are unable to work temporarily because of total disability.
Flexiup to RM100 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
Flexifrom RM500 up to RM5k 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
up to RM2k 
RepatriationTotal expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
up to RM3k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
up to RM3k 3% of accidental death sum assured
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
up to RM250 per accident
Rehabilitation BenefitExtra reimbursement to help cover some of the costs while you recover.
from RM1k up to RM1k 
Temporary Partial DisablementPartial compensation if you are temporarily only able to perform limited work after an accident.
Flexiup to RM50 
Travel ExpensesTravel reimbursement for family members to visit you while in the hospital.
from RM200 per week up to RM1000 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 60 years of age
Maximum Renewal Age
At most 70 years of age

More Information

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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