Our selected FlexiCare PA Plan is a comprehensive personal accident insurance policy provided by Liberty General Insurance Berhad (Malaysia) designed to offer 24-hour worldwide protection against accidental injury, disability, or death. 

Core Benefits & Coverage

The plan includes eight primary benefits, with specific payouts depending on the chosen tier (Gold, Diamond, or Platinum): 

• Death & Permanent Disablement: Payouts of RM100,000 (Gold), RM200,000 (Diamond), or RM300,000 (Platinum) for loss of life or permanent injury.

• Yearly Renewal Bonus: The principal Sum Insured for death and disablement increases by 10% annually upon renewal, up to a maximum of 50%, regardless of medical or dental claims made.

• Hospital Income: A daily allowance ranging from RM150 to RM250 (depending on the plan) for up to 180 days if hospitalized due to an accident.

• Medical Expenses: Coverage of up to RM5,000 for medical treatment, including specialized reimbursements for traditional Chinese medicine (Sinseh).

• Additional Benefits:

  • Funeral Allowance: Up to RM7,000.

  • Travel Allowance: RM200/week for family members visiting the insured in the hospital.

  • Dental or Corrective Surgery: Up to RM5,000 for accident-related reconstructive procedures.

  • Rehabilitation Benefit: A lump sum of RM1,000 for hospital stays exceeding 7 consecutive days.

  • Repatriation Expenses: Up to RM3,000 for returning remains to the home country if an accident occurs abroad. 

Eligibility and Key Details

• Entry Age: Generally between 18 and 70 years old (though some documents mention eligibility from 16).

• Renewal: Policies can be renewed up to age 85 in some cases, though standard coverage often reviews or terminates between ages 70 and 76.

• Geography: 24-hour worldwide coverage, provided trips outside Malaysia do not exceed 90 consecutive days.

• Exclusions: Standard exclusions include war, suicide, self-inflicted injury, AIDS/HIV, and participation in hazardous sports. 

For detailed applications or to view current brochures, you can access the Liberty Insurance Malaysia website.