Tell me about Liberty SmartCover.
Liberty SmartCover is designed specifically for 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 is best suited to your budget. Liberty SmartCover’s benefits include Death or Permanent and Temporary total or Partial Disablement, Medical Expenses, Funeral Expenses, Repatriation Expenses, Dental or Corrective Cosmetic Surgery, Travel Allowance and Rehabilitation Benefits.
Do I get a no-claim bonus?
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 is subject to a risk category, which will determine the amount of premium you should pay annually. Thereon, a Government Service Tax (GST) and an agent commission of 25% will be applied to the total premium, including 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 to a refund of premium based on the unexpired period of insurance; unless you have made any claims within the period of coverage.
For more information, click to read the Policy Wording.
