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:
LIBERTY INSURANCE BERHAD (16688-K),
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 : firstname.lastname@example.org