Liberty Tenang

• Exposure Clause

  This Policy is extended to cover Death of the Insured Person caused by drowning and/or Death or Disability caused by exposure resulting from a mishap to an aircraft or vessel in which the Insured Person is travelling.

• Disappearance Clause

  After a period of one year having elapsed and all available evidence examined, there is a reason to presume the Death of the Insured Person, as a result of an occurrence, which is covered by the Policy, the disappearance of the Insured Person shall be deemed to be a claim made under this policy. If at any time after payment by us, the Insured Person shall be found to be living; all sums so paid shall be refunded to Us.

• Free Look Period – 15 days

  You may cancel your policy by returning the policy within 15 days after you have received the policy. The premiums that you have paid (less any medical fee incurred) will be refund to you.

• Grace Period

  The premium due must be paid and received by Liberty within the grace period of 30 days from the premium due date. This insurance is automatically null and void if this condition is not complied with

General Claim Documents:

The remaining prerequisite documents is based on the Benefits claimed below:-

Note: The above list is not exhaustive and is on a case to case basis. The Company reserves the right to request for any relevant document(s) as may be applicable and reasonable to support an Insured Person’s/ Claimant’s claim.

Steps to Submit a Claim

1. Download and fill up the Claim Form. Medical Report is to be filled up by attending doctor.
2. Compile the required documents listed below, whichever applicable.
3. Notify the new claim by emailing customercare@libertyinsurance.com.my with Claim Form and supporting documents.
4. Please include your name, policy number and date of incident in the email title or contents.