Product Overview
Make the smart choice which guarantees that your family will be cared and provided for, in the event of your death or disability. With benefits that complement your needs, as well as your budget, Smart Cover provides comprehensive coverage in your time of need.
What’s included
Discover the protection and benefits included in your plan.
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No Claim Bonus
Enjoy a 10% increase per year on your sum insured, giving you up to a whopping 50% for a period of five years.
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Flexible Plans
The option to create a plan that is best suited to your needs, and is easy on your wallet!
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24 hour Worldwide Coverage
Travel anywhere in the world, at any time, with the guaranteed assurance that we’ve got you covered!
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Fully-loaded Benefits
Includes rehabilitation benefit, sinseh (traditional) treatment coverage, corrective dental & cosmetic surgery and repatriation expenses.
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Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
More Information
Browse these common questions to get the answers you need.
Why SmartCover?
The SMART Protection Plan That Protects You & Your Family
Everyday, you do your best to provide for your family. They are the most important part of your life and there can never be too much you can do for them. You are their breadwinner and protector. This responsibility is a commitment that needs to be protected if something were to happen to you. You need to be prepared for life’s uncertainties that may jeopardise their wellness.
This is why we created the SmartCover Plan.
SmartCover is a protection plan that is specifically designed with you in mind. The plan comes with smart choices and benefits that take into account your needs as well as your budget and allows for total peace of mind. It protects your interests and that of your loved ones by providing compensation in the event of Death, Permanent Disablement or Temporary Total or Partial Disablement.
So remember, if your worse fears were to come true, you’ll be ready for it. Thus, giving you the freedom to live life to the fullest and cherishing every moment of it.
Benefits Highlights
10% Renewal Bonus (NCB) Yearly, Up To 50%
You will enjoy a renewal bonus termed “No Claim Bonus” whereby your principal Sum Insured will be increased by 10% per year (under Death and Permanent Disablement) and up to 50% for a period of 5 years regardless of any claims made under medical expenses, dental or corrective cosmetic surgery.
24-hours Worldwide Coverage
You will be protected around the clock while you’re on the move.
Travel Allowance Allocation For Your Loved Ones
Your immediate family (father, mother, sister, brother, wife, husband, children) will receive a weekly travel allowance of RM200 for travel expenses incurred while visiting you when you are hospitalised. The maximum amount payable is RM1,000 per accident.
Rehabilitation Benefit
If you’re hospitalised consecutively for 7 days or more, you will receive an additional RM1,000 upon your discharge from hospital.
Sinseh / Traditional Treatment Coverage
You may choose to supplement your treatment with sinseh / other traditional treatment up to a maximum of RM250 per accident.
Corrective Dental & Cosmetic Surgery
Should you require corrective dental and cosmetic surgery performed to the head and the neck as a result of an accident, you will be provided with an additional sum of up to RM2,000. However, surgery must be recommended and performed by a licensed Orthodontist or Cosmetic Surgeon.
Funeral Allowance Up To RM 3,000
Upon accidental death, your beneficiaries will receive a sum of 3% of the capital sum insured on Death, subject to a maximum of RM3,000.
Repatriation Expenses
Upon accidental death, we provide a lump sum allowance up to RM3,000 for repatriation.
Flexible Options
Depending on your budget, you can create a Plan best suited to your needs.
Easy Enrolment
Just complete the enclosed Proposal Form and send it to the address provided. Enrol as soon as possible to be rest assured when you’re on the move.
| No. | Benefits | For Each Amount Of (RM) | Classifications of Occupation and Annual Premiums (RM) | ||
|---|---|---|---|---|---|
| Class 1 | Class 2 | Class 3 | |||
| 1 | Death | 10,000 | 5.00 | 6.50 | 11.00 |
| 2 | Permanent Disablement | 10,000 | 5.00 | 6.50 | 11.00 |
| 3 | a) Temporary Total Disablement (Limit Per Week) | 100 | 22.00 | 30.00 | 45.00 |
| b) Temporary Partial Disablement (Limit Per Week) | 50 | ||||
| 4 | Medical Expenses (Limit Any One Accident) | 500 | 10.00 | 13.00 | 15.00 |
| 1,000 | 15.00 | 18.00 | 25.00 | ||
| 2,000 | 20.00 | 26.00 | 35.00 | ||
| 3,000 | 25.00 | 32.00 | 48.00 | ||
| 4,000 | 30.00 | 40.00 | 60.00 | ||
| 5,000 | 35.00 | 45.00 | 72.00 | ||
The premium amount is before Service Tax and Stamp Duty
NOTE : Compensation under item 3, limited to 104 weeks from the date of commencement of the disablement.
Protection from age 18 – 60, with renewal up to 70 years of age.
Classifications of occupation as follows :
| Class | Description |
|---|---|
| Class 1 | Professions and occupations involving non-manual, administrative or clerical work solely in offices or similar non-hazardous places. |
| Class 2 | Professions and occupations involving manual work only occasionally when supervising workmen |
| Class 3 | Professions and occupations involving manual work |
Important Documents
To fully understand your insurance plan, please read these important documents. They provide crucial information such as coverage details, exclusions and your rights as a policyholder so you can make an informed decision.
Must-Read Documents
Product Disclosure Sheet (PDS)
A quick overview of the key details, terms, and exclusions for this plan to help you make an informed choice.
English PDF
Policy Wording
The full terms and conditions of your policy, including what’s covered, exclusions, and your responsibilities.
Other Documents
Proposal Form
Use this form if you’d like an offline quote. (No need to fill this out for online purchases.)
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