Underwritten by QBE Insurance (Malaysia) Berhad

QBE Flexi Care Cover

Stay protected from personal injury and while you're on the road with a customisable plan which you can fit to your budget. Enjoy higher accidental benefits each time you renew your policy up to 150% of the sum assured!

    • Up to RM500k Accidental Death Benefit
    • Up to RM500k TPD Benefit
    • Up to RM8000 Medical Expenses Benefit


What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 70 years of age
  • Renewal Bonus
    10% increase of sum assured up to 50%


How much you can claim for QBE Flexi Care Cover

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM500000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM500000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    from RM50 up to RM300 per week
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM3000 up to RM8000
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM100000 up to RM1000000
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
      from RM3000 up to RM5000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      from RM300 up to RM500
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      from RM2000 up to RM5000
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
      from RM1000 up to RM4000
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM50 up to RM100 per week
    • Visitation Allowance
      For your family to visit you at the hospital without having to worry about cost of travel and other expenses.
      from RM500
    • Post Mortem Report
      For the cost involved in determining the cause of death of the policyholder.
      from RM200
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
      from RM5000
    • Prostheses
      Total cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
      from RM1000
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Emilia is looking for a budget policy which also provides weekly benefits, just in case she's involved in an accident which prevents her from going to work.

    Suggested PremiumRM124.00
    Get Quote
  • Business Traveller

    Jamal spends most of his time on the road, so he wants the best personal accident insurance available with max benefits.

    Suggested PremiumRM776.00
    Get Quote
  • Machinery Operator

    Pak Adam job is classified as dangerous, so he'll have to pay an extra chunk for his premiums even though he's only looking for a regular plan. 

    Suggested PremiumRM612.00
    Get Quote

Actual premium rates will be determined by QBE Insurance (Malaysia) Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

In the event that you need to make a claim with QBE, keep in mind there are a couple of key procedures you want to take note of. 

Major and Minor Accidents

You will need to contact QBE immediately and inform them of what has occurred whether it be fatal or not. Request that they send you a 'Claims Form' to download and fill in.

You will need to compile a list of the following documentation to attach to the claims form before you submit it;

  • Copy of your NRIC
  • Copy of Driver's license (for road Accidents)
  • Police Reports (where applicable)
  • Medical Report and Physician Reports
  • Original hospital bills and receipts
  • Written notice stating the facts of the Accident in detail

Once you have everything together, submit them ASAP to QBE or your insurance agent for processing. 

In the event of your death, the person applying for a claim or your beneficiary will need to include a post mortem report as well as a death certificate.

Customer Service Hotline
QBE Claims Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 18 years of age
Maximum Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

Frequently Asked Questions about QBE Flexi Care Cover

Things you might want to know

What is great about the Flexi Care Cover?

If you are looking for both a comprehensive and flexible protection plan then this personal accident policy by QBE is the plan for you. It offers you great coverage for a variety of incidents that could happen, on top of some great benefits.

What does it cover exactly?

The policy will cover all the bases with the essential protection for death, permanent and temporary disablement, but it is common knowledge that those are not the only outcomes of an accident. Therefore, with this policy you will also have a medical expenses coverage for more minor medical treatment services that you might need.

Other than that, you will have coverage for reconstructive dental and cosmetic surgery in the event you are caught in an accident that damages your face. If you are disabled permanently then the policy will offer a certain amount of financial backing for the purchase of a prostheses. Since car accidents and clumsiness is not the only way to warrant injuries, the policy also provides coverage if you are kidnapped.

There are several other benefits, including a cover for ambulance fees, hospital allowances, repatriation, funeral expenses and a post mortem report. These are all the worse ends of an accident, but should you be recovering in a hospital too far away from home, your family will be granted a visitation allowance to offset the expenses that they have trying to get to you.

Who can apply for this policy?

The QBE Flexi Care Cover is an individual protection policy therefore it will apply to any Malaysian over the age of 18 who wants it. On that note, the maximum entry age for this policy is 65 years old. It is only if you have had the policy before then, that you can continue to renew it to a maximum age of 70 years old.

Is there a no claim bonus?

Yes, there is! For every year that no claims are made and the policy is renewed there will be a 10% increase to the sum assured. The sum will continue to increase to a maximum addition of 50% before it stabilized. 

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