Accidents, mishaps, injuries. Life is filled with uncertainties that don’t just impact you, but also your family. With Liberty Tenang, the protection of you and your loved ones becomes certain. Protect yourself with Liberty Tenang, so you can continue protecting your loved ones.
It’s more than just an affordable policy. It’s an act of love.
Attractive Benefit Plans
24 hour Worldwide Coverage
Perlindungan Tenang Voucher (PTV)
The Insured Person must be:
- Malaysian citizen; Permanent Resident, or foreign residents/ foreign nationals with valid Work Permit/ Employment Pass or otherwise legally employed in Malaysia.
- Between the ages of 18 and 60 years old at the date of the Policy inception and is free from physical defects and in normal health.
- Insured Person is renewable up to age 65 years old.
|2||Permanent Total Disablement (up to)||18,000||30,000||45,000||60,000|
|3||Double Indemnity due to Public Conveyance Accident||18,000||30,000||45,000||60,000|
|4||Daily Hospital Income Allowance due to Accident up to 90 days||50||80||150||200|
|5||Medical Expense due to Accident (maximum up to 3 claims per annum) (up to)||200||300||400||500|
|6||Alternative Medicine (maximum up to 3 claims per annum) (up to)||-||50||50||100|
|7||Dental Corrective and/ or Corrective Surgery||-||650||750||950|
|8||Prostheses and/ or Wheelchair Beneﬁt||-||650||750||950|
|10||Bereavement Allowance due to Vector-Borne Disease||12,500||16,000||23,000||36,500|
|11||Funeral Expenses due to Accident or Vector-Borne Disease||2,000||2,450||3,000||4,500|
|Perlindungan Tenang||Plan 1
|Annual Premium (Not inclusive Stamp Duty)||30||50||75||100|
- 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
|For all claims:-||For Fatal claims:-||For Motor Vehicle Accident (MVA):-|
The remaining prerequisite documents is based on the Benefits claimed below:-
|No.||Benefits||Claim Documents Required|
|1||a) Accidental Death/ Funeral Expenses
(b) Double Indemnity due to Public Conveyance Accident
|- Certified True Copy (CTC) of Death Certificate|
|- Copy of Post-Mortem Report|
|- Copy of Burial Certificate, if burial|
|- Copy of Fare Ticket/Receipt as proof of payment for said Public Conveyance|
|2||Permanent Disablement||- Copy of Medical Report issued by doctor/ physician stating the permanent disablement suffered|
|3||(a) Medical Expenses due to accident||- Original Bills and Medical Receipts|
|- Copy of Medical Report stating the accident and treatment received from hospital or clinic|
|- Letter of Referral or Recommendation for (c) and (d)|
|4||Daily Hospital Income Allowance due to Accident||- Copy of In-patient Discharge Summary stating the final diagnosis|
|- Copy of Inpatient Bill showing the admission and discharge date & time|
|5||Ambulance Fee||- Original Receipt for Ambulance fees|
|- Copy of Medical Report stating the accidental bodily injury|
|6||Bereavement Allowance/ Funeral Expenses||- Certified True Copy of Death Certificate by Commissioner of Oath|
|- Copy of Medical Report, if death certificate did not indicate cause of death being Dengue Chikungunya, Malaria, Japanese Encephalitis, Zika, Filariasis, Typhus, Plague, Yellow Fever and West Nile Fever|
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
|Download and fill up the Claim Form. Medical Report is to be filled up by attending doctor.|
|Compile the required documents listed below, whichever applicable.|
|Notify the new claim by emailing email@example.com with Claim Form and supporting documents.|
|Please include your name, policy number and date of incident in the email title or contents.|
|1||Fill-up the Nomination Form||Download the nomination form on this page, or walk in to any of our Liberty offices to get a physical copy of the form.|
|2||Submit to Liberty||Send the completed nomination form back to us, either via email at firstname.lastname@example.org , or walk in to any Liberty office. (Please provide your email address if it wasn't provided earlier)|
|3||Liberty will Process Nomination request||Liberty will process your nomination request upon complete form is submitted.|
|4||Beneficiary Endorsement is issued||You will receive the Beneficiary Endorsement via email upon your nomination is updated.|