Festive Insurance

In line with the spirit of 1Malaysia, Liberty Insurance Berhad would like to introduce FESTIVE INSURANCE, a highly affordable personal accident plan that provides protection during the main festive season, i.e. Hari Raya Aidilfitri, Deepavali, Christmas and Chinese New Year celebrations.

Three main reasons why you need FESTIVE INSURANCE:

  • Increased risk of accidents during festive season due to high traffic volume;
  • Comprehensive coverage available for both individual and family;
  • Fixed premium for individual and family plans.

For further details, kindly visit or contact us at Toll Free number 1300-888-990.

  • Easy to apply. Customer may apply by simply filling in the Application Form available at all our branches nationwide.
  • Premium for every festive season is as low as RM8.50 per individual and RM26.50 per family. This premium amount is inclusive of Goods and Services Tax at 6%.
  • Fixed premium. Premium does not increase by age.
  • 24-hour coverage against all types of accident during the festive season period within Malaysia.
  • Applicant must be 18 years and above and dependants no age limit.
  • Individual Plan - Anyone resides in Malaysia aged 18 years and above.
  • Family Plan - Covers the insured person who is above 18 years old, insured person´s legal spouse/ spouses and all the children of the insured person including legally adopted children (maximum 5 persons only).
Individual Plan
Family Plan
Sum Insured (RM)
Sum Insured (RM)
Accident Death
20,000.00 Per Insured (Max:100,000.00 Per Family)
Permanent Disablement
Daily Hospital Income Due to Accident (Max. 30 Days)
30.00 Per Days

 30.00 Per Insured Per Days

Medical Expenses Due to Accident

 500.00 Per Insured (Max:   2,500.00 Per Family)

Funeral Expenses Due to Accident Death
1,000.00 Per Insured (Max: 5,000.00 Per Family)
Premium For Each Festive Season

*The premium amount is inclusive of Goods and Services Tax at 6% Important Note: This plan is limited to ONE (1) policy per individual or family per festive season.

  • War or contamination by war, invasion, act of foreign enemy, hostilities or warlike operations, mutiny, civil war, rebellion, revolution insurrection, conspiracy, military uprising, martial law or state of siege.
  • Criminal acts or terrorism.
  • Bacterial infections, suicide or self-inflicted injury, pre-existing physical or mental defect or infirmity, HIV and AIDS related diseases.
  • Influence of intoxicating liquor, alcohol or drugs.
  • This FESTIVE INSURANCE is underwritten by Liberty Insurance Berhad (16688-K).
  • The customer is advised to read and fully understand the product features, terms and conditions and exclusions of this product before purchase.
  • Please note that the exclusions, limitations, terms and conditions stated above are not exhaustive. Please refer to the actual Policy for details.

Q. Who is eligible to apply?

A. All Malaysian, Permanent Resident (Liberty Insurance staff to verify the status of the applicant before Festive Insurance Policy can be issued) and Foreign Worker (with valid working permit) are eligible to apply this policy. For eligible age, Kindly refer to the following underwriting age table:

Aged 18 years and above

Q. When will my coverage be effective?

A. Your coverage will be effective from 5th August 2012. However if the date of purchase is after 5th August 2012, the insurance coverage for the Insured Person and/or Insured Person´s family members will only be effective from the date of purchase until 2nd September 2012 upon the receipt of premium and applicant approved by LI.

Q. Do I need to go through any medical check-up?

A. No. Medical examination is not required for this policy. Handicap will not be covered.

Q. How many FESTIVE INSURANCE policies can I apply?

A. Each Insured Person is only allowed to apply 1 policy.

Q. Am I cover while I am driving only?

A. No. This policy protects you 24 hours a day, nationwide whether you are at work, at home, travelling or playing sports except professional sports.

Q. Who can I cover in the family plan for FESTIVE INSURANCE?

A. For the family plan, insured person´s legal spouse / spouses and all the children of the insured person including legally adopted children (maximum 5 persons only).

Q. Can I cancel my policy?

A. You are encouraged to continue your policy. Upon cancellation, you are not entitled for any refund of premium. Provided if husband and wife taken up separately under the Family plan then one of the policy will be cancelled and premium will be refunded.

Q. How many family members can I covered under the family plan?

A. Maximum 5 persons of family members to be covered. However the maximum sum insured is RM20,000 per Insured Person and up to RM100,000 per family.

Q. How can I claim under the Daily Hospital Income?

A. The Daily Hospital Income benefit will be payable in the event that the insured is hospitalized for more than 12 hours due to accidental injury.

Q. What are the major exclusions under this policy?

A. - War, Civil War, Hijacking, Terrorism

- AIDS and diseases including Dengue Fever and Japanese Encephalitis.

- Childbirth, Miscarriage

- Provoked Murder or Assault

- Travelling as an Aircraft Crew

- Radiation, Nuclear Weapons

- Intoxication by Alcohol and Drugs

- Martial Arts and Racing

Q. The event of claim, where or how should I report the claim?

A. You can contact us at:


9th Floor, Menara Liberty,

1008 Jalan Sultan Ismail,

50250, Kuala Lumpur.

Tel : 1-300-888-990, 603-2693 8111 Fax: 603-2693 0111

E-mail :

Hotline 1 300 888 990