Product Overview
Affordable rates, flexible coverage options and yearly bonuses are what you get when you opt for our Flexi Care policy. This personal accident plan offers you non-stop protection, anytime, anywhere around the world, at an unbeatable rate!
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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Daily Hospital Income
Take your time to recuperate, assured that you will receive a daily allowance as hospital income for up to 180 days.
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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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Fully-loaded Benefits
Includes rehabilitation benefit, corrective dental & cosmetic surgery, funeral allowance, medical 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 FlexiCare?
FlexiCare Plan
Enroll with the plan that can be customized to suit your lifestyle! Liberty General Insurance Berhad introduces the brand new and specially designed FlexiCare Plan with affordable rates, flexible coverage options and yearly bonuses. It’s time to give yourself and your loved ones the protection that you deserve, all year round!
Why FlexiCare With Liberty General Insurance Berhad?
Get A Yearly Renewal Bonus Of 10% Up To 5 Years
The best thing about FlexiCare is our exclusive renewal bonus! When you renew your policy, we’ll increase your principal Sum Insured by 10% per year up to 50% of the Principal Sum Insured. What’s more, this bonus is given regardless of any claims made under medical expenses, dental or corrective cosmetic surgery and hospital cash income.
24 – Hour Comprehensive Coverage, Worldwide
Regardless of where you are in the world, we offer you around-the-clock protection. This way you have comprehensive protection anytime, anywhere!
It’s A Small Price For Valuable Protection
When you think about it, 47 sen per day for complete protection is more than worthwhile. Just imagine – you will be protected against all the unexpected and unforeseen events of the future – with only a small price to pay!
Receive Hospital Income Up To 180 Days
Worry not as you will be entitled to receive a daily allowance for up to a maximum of 180 days if you are hospitalized for injury resulting from a covered accident.
Benefits Highlights
3 Flexible Protection Plans To Choose From
Depending on your budget, you can choose the Plan best suited to your needs.
Need help in deciding which FlexiCare option to choose? Why not refer to the following table:
Coverage | Gold (RM) | Diamond (RM) | Platinum (RM) |
|---|---|---|---|
| Death or Permanent Disablement | 100,000 | 200,000 | 300,000 |
| Travel Allowance We will pay RM200 per week for your immediate family member’s travel expenses when visiting you in hospital* | 1,500 | 1,500 | 1,500 |
| Medical Expenses We pay for those costly medical expenses incurred as a result of an accident* | 5,000 | 5,000 | 5,000 |
| Rehabilitation Benefit In the event of hospitalization exceeding 7 consecutive days, an additional RM1,000 is payable to you | 1,000 | 1,000 | 1,000 |
| Funeral Allowance Upon accidental death, we provide a lump sum allowance for funeral or cremation purposes* | 5,000 | 6,000 | 7,000 |
| Hospital Income (per day, up to 180 days) We provide you with an income for the duration you’re hospitalized due to an accident* | 150 | 200 | 250 |
| Dental Or Corrective Cosmetic Surgery | 3,000 | 4,000 | 5,000 |
| Repatriation Expenses | 3,000 | 3,000 | 3,000 |
Premium Table
| Premium (RM) | |||
|---|---|---|---|
| Occupation | Gold Plan | Diamond Plan | Platinum Plan |
| Class 1&2 | 170 | 320 | 450 |
| Class 3 | 270 | - | - |
Note: Protection from age 18 - 70 years old
This Premium amount is before Service Tax and Stamp Duty
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.)
Need more help?
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Browse our other personal accident insurance options to find the best coverage for your needs.
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Have a question or need to make a claim? Our team is here to support you.