One of the major medical insurance plans, Liberty 100 Years Care provides protection when all other options have been exhausted. With a guaranteed renewal up to 100 years, and three distinct plans to choose from, this medical policy covers hospitalization & medical expenses for injury, illness and disease.
*To enjoy Cashless Admission, you must have the primary medical plan with Liberty Insurance Bhd
You can enjoy financial security and total peace of mind by investing less than RM1.00 a day. Your lunch will cost more than that!
- Guaranteed renewal up to 100 Years of Age
- Lifetime Limit up to RM2,000,000
- Overall Annual Limit up to RM250,000
- As Charged Basis
- 24 Hours Cashless* Admission
- Just present your Medical Card for immediate admission. No cash deposit is required.
- Outpatient Cancer & Kidney Dialysis Treatment
- Accident Outpatient Treatment
- Organ Transplant
- Family Discount (Applicable to Family Policy Only)
* To enjoy Cashless Admission, you must have the primary medical plan with Liberty Insurance Bhd.
|Deductible Limit per disaility excluding GST||10,000||20, 000||30, 000|
|Room & Board ( maximum 365 days )||300||400||500|
|Intensive Care Unit ( ICU )||As Charged|
|Fully Covered for Surgical Fees & hospital Services Fees including Operation Theatre and :-
- Anasthetic Fee
- Hospital Supplies
- In-hospital Physician Visit
- Ambulance Fee
|Cancer Treatment Including Oncology Treatment||As Charged|
( Lung, Kidney, Heart, Bone, Marrow, Liver )
|Pre & Post Operation Treatment
( within 60 daysbefore admission and 90 days after discharge )
|Daycare Surgery/Produre||As Charged|
|Home Nursing Care ( up to 31 days from discharge date )||As Charged|
|Emergency Accidental Outpatient Treatment ( within 24 hours of the accident and follow up treatment up to 60 days )||As Charged|
|Accidental Dental Treatment ( within 24 hours of the accident and follow up treatment up to 31 days )||As Charged|
|Outpatient Kidney Dialysis Treatment||As Charged|
|Outpatient Physiotherapy Treatment ( up tp 60 days from the discharge date )||As Charged|
|Goods & Service Tax ( GST )||0%|
|Medical Report Fee||100|
|Overall Annual Limit per person||100,000||150,000||250,000|
|Overall Life Time Limit per person||1 Million||1.5 Million||2 Million|
THE FOLLOWING ARE THE BASIC AND IMPORTANT FEATURES THAT YOU SHOULD KNOW BEFORE PURCHASING THIS PRODUCT.
Where the eligible Medical Expenses will be payable on “AS CHARGED” basis.
We offer three (3) types of Plans for you to choose from.
This is an annual contract and a yearly renewable policy which until terminated shall be renewed each year on the Anniversary of the due date.
1.1 Initial Premium
Your first annual premium you pay is based according to the type of benefits and the plan you purchase and your occupation together with your age (next birthday).
1.2 Renewal Premium
1.2.1 Your annual renewal premium in future will increase by your attained age according to the Age Bands, your claims experience, health status or changes in your policy terms, occupation, business, pursuits or sporting activity or other material changes or risks.
1.2.2 The past trends on the increase in premium rates will not necessarily reflect the future trend of your premium.
1.3 Policy Renewal and Lapsed Policy
1.3.1 The renewal of the policy is guaranteed up to the age of 100 years old.
1.3.2 The policy shall automatically terminate or lapse, if you fail to pay the premium when it is due. Any lapsed policy will be treated as a new application. The above mentioned conditions are not exhaustive and the premium rates may be reviewed or policy renewal declined under other justified circumstances.
1.3.3 The above mentioned conditions are not exhaustive and the premium rates may be reviewed or policy renewal declined under other justified circumstances.
2. "Free-Look Period" Of 15 Days
You are given a “Free–Look Period”/“Cooling–Off Period” of up to 15 days from the delivery date of the policy to review the suitability of your policy. If you are not satisfied with the cover you may return the policy to the Company during this period, and we will return the full premiums to you minus the deduction for medical expenses incurred by the Company on the issue of the Policy.
The plans shall cover eligible persons between the ages of 30 days to 60 years, renewable up to 100 years.
3. What Is Not Payable Under The Policy
3.1 Policy Exclusions
This contract does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one (1) of the following occurrences:
(a) Pre – existing illness.
(b) Specified illnesses occurring during the first 120 days of continuous cover.
(c) Any medical or physical conditions arising within the first 30 days of the Insured Person’s cover or date reinstatement whichever is latest except for accidental injuries.
(d) Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
(e) Dental conditions including dental treatment or oral surgery except as necessitated by accidental injuries to sound natural teeth occurring wholly during the Period of Insurance.
(f) Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law.
(g) Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.
(h) Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical, or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization.
(i) Hospitalisation primarily for investigatory purposes, diagnosis, X–ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain.
(j) Suicide, attempted suicide, or intentionally self–inflicted injury while sane or insane.
(k) War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
(l) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.
(m) Expenses incurred for donation of any body organ by an Insured Person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.
(n) Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical services or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other alternative treatment.
(o) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.
(p) Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations).
(q) Costs/expenses of services of non–medical nature, such as television, telephones, telex services, r