Liberty 100 Years Care

Liberty 100 Years Care

Liberty 100 Years Care is a Major Medical insurance plan and provides a major medical coverage on top of the primary medical and surgical insurance policies (if any). It is a policy of last resort which will only make payment after all avenues of compensation from other medical insurance policies have been fully utilised. Its other benefits include guaranteed renewal up to 100 years old and 3 distinct plans with worldwide coverage for selection.

From As Low RM 1.00 Per Day

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! This premium amount is before Goods and Services Tax (GST).

  • - 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.
  • a) Full coverage for surgical fees & Hospital Services Fees;
  • - Hospital Room and Board – up to RM500.00 per day
  • - Intensive Care Unit
  • - Surgical fees
  • - Anaesthetic fee
  • - Operating Theatre
  • - Hospital Supplies and Services
  • - In-Hospital Physician Visit
  • - Ambulance Fee
  • b) Cancer Treatment including oncology treatment
  • c) Organ Transplant (Lung, Kidney, Heart, Bone Marrow, Liver);
  • d) Pre & Post Operation Treatment (within 60 days before admission and 90 days after discharge from hospital)
  • - Pre-Hospital Diagnostic Test
  • - Pre-Hospital Specialist Consultation
  • - Post-Hospitalization Treatment
  • e) Day Care Surgery/Procedure
  • f) Home Nursing Care – (up to 31 days from discharge date).
  • g) Emergency Accidental Outpatient Treatment – (within 24 hours of the accident and follow up treatment up to 60 days).
  • h) Outpatient Kidney Dialysis Treatment.
  • i) Outpatient Physiotherapy Treatment – (up to 60 days from the discharge date).
  • j) Deductible Limit per disability from RM10,000 up to RM30,000 only.
  • k) Accidental Dental Treatment – (within 24 hours of the accidental and follow up to 31 days).
  • l) Overall Annual Limit per person up to RM250,000.
  • m) Overall Lifetime Limit per person up to RM2 Million.
Duration for cover is One year. You will need to renew the insurance plan annually.


I-Comprehensive Scheme 

Where the eligible Medical Expenses will be payable on “AS CHARGED” basis. 

We offer three (3) types of Plans for you to choose from. 

1. Premiums 

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.

Age Limit 

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, radios or similar facilities, admission kit/pack and other ineligible non–medical items.

(r) Sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

(s) Private flying other than as a fare–paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.


(t) Expenses incurred for sex changes.

3.2 Persons who reside in Malaysia only 

3.3 Overseas Treatment 

1. Unless you are travelling abroad for a reason other than for medical treatment and as a consequence of Medical Emergency.

2. Upon recommendation of a Physician and you need to be transferred to Hospital outside Malaysia because the specialized nature of the treatment, aid, information or decision required neither be rendered nor furnished nor taken in Malaysia.

3.4 "Pre-Existing Illnesses 

Pre–existing illness/conditions shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre–existing condition where the condition is one for which :- 

a) the Insured Person had received or is receiving treatment;

b) medical advice, diagnosis, care or treatment has been recommended;

c) clear and distinct symptoms are or were evident; or

d) its existence would have been apparent to a reasonable person in the circumstances. 

3.5 Special Illnesses 

Specified illnesses shall mean the following disabilities and its related complications, occurring within the first 120 days of Insurance of the Insured Person:

a) Hypertension, diabetes mellitus, Cardiovascular disease and Vericose Veins.

b) All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system.

c) All ear, nose (including sinuses) and throat conditions

d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele

e) Endometriosis including disease of the Reproduction system

f) Vertebro – spinal disorders (including disc) and knee conditions. 

3.6 Waiting Period 

Any treatment for illness/injury received within 30 days after the effective date of insurance coverage except treatment for bodily injury arising from a covered accident. 


4 Policy Limitations

We will not pay you full or up to the limits shown in the Schedule of Benefits under the following circumstances: 

4.1 Co-Payment 

If you choose to be hospitalized at a Room & Board rate which is higher than your eligible benefit, you shall bear 20% of the other eligible benefits as described in the Schedule of Benefits.

4.2 Contribution 

If you have any other insurance in force or is entitled to indemnity from any Other Source in respect of the same bodily injury, sickness, disease, death, or expense, this policy will not provide full compensation other than on a proportionate basis. If you have MORE THAN ONE POLICY UNDER US, we will consider you to be insured under the policy, which provides the largest amount of Benefits.

4.3 Eligibility of Dependant 

Unmarried children over 30 days old but under 19 years of age or 23 years of age if still on full-time higher education, and who are not gainfully employed. 

4.4 Enrollment of Dependant 

Children between the ages of 30 days and 18 years must be enrolled together with one of their parents. The plans chosen for spouse and children must be the same as the proposer. 


Q. Why do I need this plan?

A. Because hospital costs could be substantial and could wipe out your precious savings. The last thing you want to worry about when you have to be admitted is money!


Q. When does my cover begin?

A. During the first 30 days of membership, the policy excludes medical treatment unless necessitated by an accident. Thereafter, the full cover applies.


Q. Is there a waiting period?

A. Yes, 30 days from effective date of policy unless resulting from accident.


Q. If I renew my policy, will the 30-day waiting period apply?

A. No.


Q. Will Liberty Insurance Berhad also cover outpatient hospital bills?

A. Yes. Your outpatient bills for accidental injuries will be covered. Charges for out-patient specialist, consultations and diagnostic tests are also covered if the insured person is subsequently hospitalized for treatment within one month of such consultations.


Q. Is the coverage worldwide?

A. Yes, this policy is applicable worldwide for twenty-four (24) hours a day and you are covered up to 90 days from the day you leave Malaysia. The benefits payable will be subjected to the reasonable and customary charges on the basis that the cost for the said treatment would be reasonably charge by a Hospital/Physician in Malaysia.


Q. Does the plan have geographical scope?

A. Liberty 100 Years Care provides worldwide cover, subject to the treatment provisions stated in the policy. If while you were abroad and due to medical emergency or if treatment is not available in Malaysia, any covered treatment cost will be met up to the customary treatment cost in Malaysia. This does not include transportation cost.


Q. Who can join the plan?

A. Any person who resides in Malaysia and who is not more than 60 years of age and not less than 30 days at the first enrollment.


Q. Can I include any dependant (spouse and child) during policy period or on renewal?

A. Yes. However, application to enroll dependant/s must be made at inception or upon renewal of the policy only (other than a newly born child who is below 2 (two) months old but eligibility for insurance cover will commence only after 30 days of birth).


Q. How much can I claim?

A. You may claim up to the Overall Annual Limit under the chosen plan, after the applied deductible limit.


Q. Can I seek treatment at a Non-Panel Hospital?

A. Yes. However, the Liberty 100 Years Care customer has to pay first and seek reimbursement later, based on Customary and Reasonable charges, after the applied Deductible Limit.


Q. Does your company pay for the cost of the medical report?

A. Yes. Maximum limit per claim is RM100.


Q. May I upgrade my plan?

A. Yes, you may. However, any request to upgrade can only be done during renewal subject to your claim experience.


Q. Is there an Overall Lifetime Limit?

A. Yes, there are Overall Lifetime Limit, for Plan A (RM1Million), Plan B (RM1.5Million) and Plan C (RM2Million).


Q. Is there an Annual Lifetime Limit?

A. Overall Annual Limit for Plan A (RM100, 000), Plan B (RM150, 000) and Plan C (RM250,000) after the applied Deductible Limit.


Q. What is the deductible limit?

A. Deductible amount which is not payable by the insurer. This deductible need to be borne by the Insured/Dependants. The deductible amount per disability per person for Plan A (RM10,000), Plan B (RM20,000) and Plan C (RM30,000)..


Q. In the event of hospitalisation, who do i contact?

A. Just call Asia Assistance Network at 1800-880-350.


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