Product Overview
Enjoy complete peace of mind, knowing that you and your family will receive a monthly involuntary unemployment benefit for up to three months per incident, as compensation for injuries, disability, or death caused by accidents. Additionally, this personal insurance policy also includes snatch theft allowance, kidnap benefit and recuperation benefit for dengue fever, zika virus or malaria.
*This product is exclusively for UOB cardholders.
What’s included
Discover the protection and benefits included in your plan.
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Easy Application
Exclusively designed for UOB credit cardholders.
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24 hour Worldwide Coverage
Valid for accidents around the globe, except for snatch theft, recuperation benefit and involuntary unemployment, applicable only within Malaysia.
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Fully-loaded Benefits
Payable in addition to other insurance policies that you may have with us, with affordable insurance plans.
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Cash Back Renewal Bonus
15% discount on premium paid upon renewal. Subject to “No Claim” on previous policy year.
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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.
Highlights
- Eligibility: UOB customer & spouse between the age of 18 to 60.
- Easy enrolment for all Malaysians and permanent residents.
- No medical examination.
- Class 3 occupation (engaging in manual work) eligible for Plan A only.
- Policy renewable up to age 70 years.
- Premium at enrolment stays unchanged from the inception date.
- 24 hours world-wide coverage for accidents anywhere in the world, except for snatch theft, recuperation benefit and involuntary unemployment which is applicable within Malaysia only.
- Affordable plan that pays on top of all other insurance.
- Cash Back Renewal Bonus 15% premium paid upon renewal subject to No Claim on previous policy and current policy is still in force.
Table of Benefits
| Item | Benefit Table | Plan A | Plan B | Plan C |
|---|---|---|---|---|
| A1 | Accidental Death | RM 200,000 | RM 300,000 | RM 500,000 |
| A1.1 | Kidnap Benefit - Additional amount of RM50,000 will be paid if the Insured Person is accidentally death directly caused by kidnapping | RM 50,000 | RM 50,000 | RM 50,000 |
| A2 | Permanent Total Disablement (PTD) - Accidental Disability
| RM 200,000
| RM 300,000
| RM 500,000
|
| B | Daily Hospital Income due to accident per day up to 365 days | RM 500 | RM 750 | RM 1000 |
| C | Daily Hospital income due to illness per day up to 365 days | RM 50 | RM 75 | RM 100 |
| D | Snatch Theft Allowance (within Malaysia) - once in a policy year | RM 1,000 | RM 1,500 | RM 2,000 |
| E | Medical Expenses for day care surgery - due to accident | RM 2,000 | RM 4,000 | RM 6,000 |
| F | *Recuperation Benefit due to Dengue fever, Zika Virus or Malaria (within Malaysia) - once in a policy year | RM 500 | RM 1000 | RM 1500 |
| G | Involuntary Unemployment Monthly Benefit (within Malaysia) -Up to 3 months per incident per policy year -Allowed to claim for one (1) incident per policy year only -with 15 months lifetime limits | RM 600 per month | RM 1200 per month | RM 1800 per month |
| H | Involuntary Unemployment Family Monthly Allowance (within Malaysia) -if Insured enrolled with spouse and/or child -payable to the spouse and/or child who enroll together -Up to 3 months per incident per policy year -Allowed to claim for one (1) incident per policy year only -with 15 months lifetime limits | RM 300 per month per dependent | RM 600 per month per dependent | RM 900 per month per dependent |
| I | Cash Back Renewal Bonus (on premiums paid) | **15% of premium paid | **15% of premium paid | **15% of premium paid |
*The Recuperation Benefit cannot be claimed together with Daily Hospital Income due to Illness Benefit
**15% of the premium paid will be refunded upon renewal of the policy subject there isn’t any claim in the previous policy period, and the policy is still in force
Monthly Premium
| Monthly Premium Table (Incl. SST) | Plan A (RM) | Plan B (RM) | Plan C (RM) |
|---|---|---|---|
| Cardmember | 66.04 | 93.40 | 121.70 |
| Cardmember & Spouse | 118.87 | 168.10 | 219.06 |
| Family with 1 child | 168.40 | 238.16 | 310.33 |
| Family with 2 children | 224.53 | 317.55 | 413.76 |
| Family with 3 children | 280.66 | 396.92 | 517.22 |
| Cardmember with 1 child | 118.87 | 168.10 | 219.06 |
| Cardmember with 2 children | 168.40 | 238.16 | 310.33 |
| Cardmember with 3 children | 224.53 | 317.55 | 413.76 |
Note:
- The premium amount is before Service Tax.
- Day of hospitalization - not less than 24 hours
- Duration of cover is for one year. You need to pay the insurance cover on a monthly basis via credit card instruction.
- Stamp Duty is not applicable.
- Occupation Class 3 – enroll Plan A only.
“Reimbursement for day surgery”
“Day Care survey surgery which is carried out by surgeon, but not on an inpatient basis and must be held in hospital or clinic. Day care surgeries that are pre-planned, non-emergency are considered elective and not payable under this policy.
Exclusion Clauses
Extension
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
Nomination Form
Use this form to name who should receive your policy benefits
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