Medistar

Face life’s challenges, secure in the knowledge that you and your family are sufficiently covered against any medical or surgical emergency. This cashless admission plan guarantees immediate cashless hospital admission, carries four distinct plans with worldwide coverage, and can be renewed up to 70 years of age. True to its name, it certainly is the star medical insurance policy in Malaysia.

Lowest Premiums

Get protected from as low as RM1.25 per day and enjoy 24-hour cashless admission for medical cardholders for covered conditions.

Attractive Discount Features

To enjoy Family Discount (FD) if your dependants are insured under the same policy and No Claim Discount (NCD) upon renewal subject to "No Claim" on previous policy.

Surgical & Medical Benefits

A host of benefits including pre-admission diagnostic, surgical fees, physiotherapy and post hospitalization treatment.

Additional Benefits

From ambulance fees, emergency accidental treatment, medical report fee to home nursing and government hospital income.

We would like to inform you that your premium may increase in accordance with the age bands in our pricing structure, and the inflation of the average medical cost per annum. For more information about this premium increase, please refer to the Pricing Plan below, or contact our Customer Care Team.

From RM1.25 Per Day

You can enjoy financial security and total peace of mind by investing from RM1.25 a day. Your lunch will cost more than that!

24Hours Cashless Admission

Just present your Medical Card for immediate admission. No cash deposit is required.

Attractive Discount Features

No Claim Discount (NCD):

If you do not make a claim during the period of insurance, the premium charged upon renewal will be discounted.

2 consecutive years preceding renewal	10% discount on standard premium
3 consecutive years preceding renewal	15% discount on standard premium
4 consecutive years preceding renewal	20% discount on standard premium

Family Discount (FD)

This is a special discount to be given if your dependants are insured under the same policy:

Insured + Spouse	5% discount on standard premium
Insured + Children	5% discount on standard premium
Insured + Spouse + Children	10% discount on standard premium

Hospital Benefits

a) Surgical Benefits

Up to RM40,000 per any one disability including Surgical and Anaesthetist’s Fees
Organ Transplantation - Costs up to RM50,000 per lifetime (Heart, Kidney, Lung or Liver Transplantation)

b) Non - Surgical Benefits

Up to RM40,000 per any one disability

c) Hospital Confinement Benefits

Room & Board – From RM100 to RM300 daily and payable up to maximum stay of 150 days per any one disability
Intensive Care Unit
Hospital Supplies & Services including Operating Theatre

d) Pre & Post Hospital Treatment

Up to 31 days before admission or after discharge

e) Outpatient Services/Benefits

Physiotherapy Treatment
Outpatient Cancer Treatment
Outpatient Kidney Dialysis
Emergency Accidental Treatment
Home Nursing

f) Accidental Death Benefit – Up to RM15,000

In these circumstances, policyholders nearest kin are entitled to receive up to RM15,000

g) Local Ambulance Services

Ambulance service from government and private hospitals are available

h) Overall Annual Limit Up To RM120,000 Cover Per Person

MediStar customers will receive up to RM120,000 financial coverage in one single year

i) Overall Lifetime Limit Up To RM360,000 Cover Per Person

MediStar customers will receive up to RM360,000 financial coverage throughout their life

j) Twenty-Four (24) Hours Worldwide Coverage

Receive the best treatment from any registered government or private hospitals worldwide at anytime

k) Daily Cash Allowance

MediStar customers are entitled to receive a fixed amount for everyday expenses upon admission at government hospital only.

THE FOLLOWING ARE THE BASIC AND IMPORTANT FEATURES THAT YOU SHOULD KNOW BEFORE PURCHASING THIS PRODUCT.

We Provide A Comprehensive Medical Coverage Scheme

I-Comprehensive Scheme

Where the eligible Medical Expenses will be payable on “AS CHARGED OR FULL REIMBURSEMENT” basis.

We offer four (4) types of Plans for you to choose from.

1. Premiums

This is an annual contract and a yearly renewable policy which until terminated shall be renewed each year on the Anniversary of the due date.

1.1 Initial Premium

Your first annual premium you pay is based according to the type of benefits and the plan you purchase and your occupation together with your age (next birthday).

1.2 Renewal Premium

1.2.1 Your annual renewal premium in future will increase by your attained age according to the Age Bands, your claims experience, health status or changes in your policy terms, occupation, business, pursuits or sporting activity or other material changes or risks.

1.2.2 The past trends on the increase in premium rates will not necessarily reflect the future trend of your premium.

1.3 Policy Renewal and Lapsed Policy

1.3.1 The renewal of the policy is guaranteed after the completion of 2 consecutive years of the policy, provided that there is no claim incurred in the previous 2 years. If there is a claim incurred within the first 2 years of policy inception, the insured person would still qualify for the guaranteed renewals subject to exclusion, excess or premium loading.

1.3.2 The policy shall automatically terminate or lapse, if you fail to pay the premium when it is due. Any lapsed policy will be treated as a new application. The above mentioned conditions are not exhaustive and the premium rates may be reviewed or policy renewal declined under other justified circumstances.

2. "Free-Look Period" Of 15 Days

You are given a “Free–Look Period”/“Cooling–Off Period” of up to 15 days from the delivery date of the policy to review the suitability of your policy. If you are not satisfied with the cover you may return the policy to the Company during this period, and we will return the full premiums to you minus the deduction for medical expenses incurred by the Company on the issue of the Policy.

Age Limit

The plans shall cover eligible persons between the ages of 30 days to 60 years, renewable up to 70 years.

3. What Is Not Payable Under The Policy

3.1 Policy Exclusions

This contract does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one (1) of the following occurrences:

(a) Pre – existing illness.

(b) Specified illnesses occurring during the first 120 days of continuous cover.

(c) Any medical or physical conditions arising within the first 30 days of the Insured Person’s cover or date reinstatement whichever is latest except for accidental injuries.

(d) Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.

(e) Dental conditions including dental treatment or oral surgery except as necessitated by accidental injuries to sound natural teeth occurring wholly during the Period of Insurance.

(f) Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law.

(g) Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.

(h) Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical, or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization.

(i) Hospitalisation primarily for investigatory purposes, diagnosis, X–ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain.

(j) Suicide, attempted suicide, or intentionally self–inflicted injury while sane or insane.

(k) War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.

(l) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.

(m) Expenses incurred for donation of any body organ by an Insured Person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.

(n) Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical services or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other alternative treatment.

(o) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.

(p) Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations).

(q) Costs/expenses of services of non–medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non–medical items.

(r) Sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

(s) Private flying other than as a fare–paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.

(t) Expenses incurred for sex changes.

3.2 Residence Overseas

Any person who resides outside Malaysia for more than three (3) months continuously.

3.3 Overseas Treatment

1. Unless you are travelling abroad for a reason other than for medical treatment and as a consequence of Medical Emergency.

2. Unless the specialized nature of the treatment, aid, information or decision required could neither be rendered nor furnished nor taken in Malaysia.

3.4 "Pre-Existing Illnesses

Pre–existing illness/conditions shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre–existing condition where the condition is one for which :-

a) the Insured Person had received or is receiving treatment;

b) medical advice, diagnosis, care or treatment has been recommended;

c) clear and distinct symptoms are or were evident; or

d) its existence would have been apparent to a reasonable person in the circumstances.

3.5 Special Illnesses

Specified illnesses shall mean the following disabilities and its related complications, occurring within the first 120 days of Insurance of the Insured Person:

a) Hypertension, diabetes mellitus, Cardiovascular disease and Varicose Veins.

b) All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system.

c) All ear, nose (including sinuses) and throat conditions

d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele

e) Endometriosis including disease of the Reproduction system

f) Vertebro – spinal disorders (including disc) and knee conditions.

3.6 Waiting Period

Any treatment for illness/injury received within 30 days after the effective date of insurance coverage except treatment for bodily injury arising from a covered accident.

4 Policy Limitations

We will not pay you full or up to the limits shown in the Schedule of Benefits under the following circumstances:

4.2 Contribution

If you have any other insurance in force or is entitled to indemnity from any Other Source in respect of the same bodily injury, sickness, disease, death, or expense, this policy will not provide full compensation other than on a proportionate basis. If you have MORE THAN ONE POLICY UNDER US, we will consider you to be insured under the policy, which provides the largest amount of Benefits.

4.3 Stent/Lens

Medical devices such as stent/lens - Maximum payable is RM5,000 per stent. - Maximum payable is RM700 per lens.

4.4 Eligibility of Dependant

Unmarried children over 30 days old but under 19 years of age or 23 years of age if still on full-time higher education, and who are not gainfully employed.

4.5 Enrollment of Dependant

Children between the ages of 30 days and 18 years must be enrolled together with one of their parents. The plans chosen for spouse and children must be the same as the proposer.

PLANS	PLAN 1	PLAN 2	PLAN 3	PLAN 4
1) HOSPITAL BENEFITS	MAXIMUM PER ANYONE DISABILITY
Daily Room & Board (Max. 150 days)	RM100	RM150	RM250	RM300
Intensive Care Unit (Max. 75 days)	AS CHARGED
Hospital Supplies & Services (including Operating Theatre)	AS CHARGED
2) SURGICAL BENEFITS
Pre - Admission Diagnostic Services (within 31 days before admission)	AS CHARGED
Pre – Surgical Specialist Consultation (within 31 days before admission)
Surgical & Anaesthetic Fees
Post Hospitalisation Treatment (within 31 days after discharge)
Physiotherapy Treatment (within 31 days after discharge)
MAXIMUM PER ANY ONE DISABILITY	RM15,000	RM20,000	RM30,000	RM40,000
3) MEDICAL BENEFITS (NON SURGICAL)	AS CHARGED
Pre - Hospital Diagnostic Services (within 31 days before admission)
Pre – Hospitalisation Specialist Consultation (within 31 days before admission)
Daily In - Hospital Physician’s Visits
Post Hospitalisation Treatment (within 31 days after discharge)
MAXIMUM PER ANY ONE DISABILITY	RM15,000	RM20,000	RM30,000	RM40,000
4) AMBULANCE FEES	AS CHARGED
5) OUTPATIENT / EXTENDED BENEFITS
Emergency Accidental Treatment	AS CHARGED
Annual Outpatient Cancer Treatment	RM15,000	RM25,000	RM35,000	RM45,000
Annual Kidney Dialysis Treatment	RM15,000	RM25,000	RM35,000	RM45,000
Lodger Expenses (Guardian Allowance)	RM50	RM60	RM80	RM100
Medical Report Fee	RM80	RM80	RM80	RM80
Home Nursing (within 31 days after discharge)	RM100	RM125	RM150	RM175
6) ORGAN TRANSPLANTATION (ONCE PER LIFETIME)	RM20,000	RM30,000	RM40,000	RM50,000
7) GOVERNMENT HOSPITAL INCOME BENEFITS
Daily Cash Allowance	RM50	RM60	RM80	RM100
8) ACCIDENTAL DEATH BENEFIT	RM5,000	RM7,500	RM12,500	RM15,000
9) SERVICES TAX	0%
10) OVERALL ANNUAL LIMIT	RM40,000	RM60,000	RM100,000	RM120,000
11) OVERALL LIFETIME LIMIT	RM120,000	RM180,000	RM300,000	RM360,000

The staggered increase in premium will end on 1/8/2026, after which the premium will be charged in full as per Table 3 below.

Age Next Birthday	Plan 1 (RM)	Plan 2 (RM)	Plan 3 (RM)	Plan 4 (RM)
Table 1: Gross Premium (RM) New Business effective from 1/8/2023 Renewal Business effective from 1/10/2023
30days – 10 years (children)	458	540	826	944
11 years – 18 years	395	464	708	810
19 years – 25 years	489	577	883	1,011
26 years – 30 years	552	652	1,001	1,145
31 years – 35 years	670	794	1,183	1,356
36 years – 40 years	773	917	1,369	1,569
41 years – 45 years	876	1,041	1,554	1,783
46 years – 50 years	1,048	1,245	1,863	2,137
51 years – 55 years	1,890	2,250	2,575	2,954
56 years – 60 years	2,186	2,602	2,979	3,418
61 years – 65 years (renewal only)	2,975	3,547	4,061	4,660
66 years – 70 years (renewal only)	3,961	4,725	5,411	6,213

Age Next Birthday	Plan 1 (RM)	Plan 2 (RM)	Plan 3 (RM)	Plan 4 (RM)
Table 2: Gross Premium (RM) Effective from 1/8/2024
30days – 10 years (children)	458	540	958	1,096
11 years – 18 years	395	464	821	939
19 years – 25 years	489	577	1,026	1,174
26 years – 30 years	552	652	1,163	1,331
31 years – 35 years	765	907	1,388	1,592
36 years – 40 years	883	1,049	1,607	1,844
41 years – 45 years	1,001	1,190	1,827	2,095
46 years – 50 years	1,199	1,424	2,190	2,512
51 years – 55 years	2,287	2,724	3,069	3,521
56 years – 60 years	2,646	3,151	3,551	4,076
61 years – 65 years (renewal only)	3,604	4,297	4,844	5,559
66 years – 70 years (renewal only)	4,799	5,725	6,457	7,414

Age Next Birthday	Plan 1 (RM)	Plan 2 (RM)	Plan 3 (RM)	Plan 4 (RM)
Table 3: Gross Premium (RM) Effective from 1/8/2025
30days – 10 years (children)	458	540	1,091	1,248
11 years – 18 years	395	464	934	1,069
19 years – 25 years	489	577	1,168	1,338
26 years – 30 years	552	652	1,325	1,517
31 years – 35 years	860	1,020	1,594	1,828
36 years – 40 years	994	1,180	1,846	2,118
41 years – 45 years	1,127	1,339	2,099	2,408
46 years – 50 years	1,350	1,604	2,517	2,888
51 years – 55 years	2,684	3,197	3,563	4,089
56 years – 60 years	3,107	3,699	4,124	4,734
61 years – 65 years (renewal only)	4,232	5,046	5,627	6,459
66 years – 70 years (renewal only)	5,638	6,725	7,502	8,616

Note: Additional RM 10.00 Stamp Duty is applicable for each policy.

Q. Why do I need this plan?

A. Because hospital costs could be substantial and could wipe out your precious savings. The last thing you want to worry about when you have to be admitted is money!

Q. When does my cover begin?

A. During the first 30 days of membership, the policy excludes medical treatment unless necessitated by an accident. Thereafter, the full cover applies.

Q. Is there a waiting period?

A. Yes, 30 days from effective date of policy unless resulting from accident.

Q. If I renew my policy, will the 30-day waiting period apply?

A. No.

Q. Will Liberty Insurance Berhad also cover outpatient hospital bills?

A. Yes. Your outpatient bills for accidental injuries will be covered. Charges for out-patient specialist, consultations and diagnostic tests are also covered if the insured person is subsequently hospitalized for treatment within one month of such consultations.

Q. Is the coverage worldwide?

A. Yes, this policy is applicable worldwide for twenty-four (24) hours a day and you are covered up to 90 days from the day you leave Malaysia. The benefits payable will be subjected to the reasonable and customary charges on the basis that the cost for the said treatment would be reasonably charge by a Hospital/Physician in Malaysia.

Q. Does the plan have geographical scope?

A. MediStar provides worldwide cover, subject to the treatment provisions stated in the policy. If while you were abroad and due to medical emergency or if treatment is not available in Malaysia, any covered treatment cost will be met up to the customary treatment cost in Malaysia. This does not include transportation cost.

Q. Who can join the plan?

A. Any person who resides in Malaysia and who is not more than 60 years of age and not less than 30 days at the first enrollment.

Q. Can I include any dependant (spouse and child) during policy period or on renewal?

A. Yes. However, application to enroll dependant/s must be made at inception or upon renewal of the policy only (other than a newly born child who is below 2 (two) months old but eligibility for insurance cover will commence only after 30 days of birth).

Q. How much can I claim?

A. You may claim up to the Overall Annual Limit under the chosen plan or up to the lifetime limit.

Q. Can I seek treatment at a Non-Panel Hospital?

A. Yes. However, the MediStar customer has to pay first and seek reimbursement later, based on Customary and Reasonable charges.

Q. Does your company pay for the cost of the medical report?

A. Yes. Maximum limit per claim is RM80.

Q. May I upgrade my plan?

A. Yes, you may. However, any request to upgrade can only be done during renewal subject to your claim experience.

Q. In the event of hospitalisation, who do i contact?

A. Just call Asia Assistance Network at 1800880350.

Q. When will the premium revision of the MediStar take place?

New Policies

All new policies with effective dates commencing on or after 1/8/2023 shall be based on the revised premium rates.

Existing Policies (renewal)

All existing policies with expiry dates on or after 1/10/2023 shall be based on the revised premium rates.

Q. What will be the increase in my premium if it is staggered over a period of three years?

The staggered increase in premium will end on 1/8/2026, after which the premium will be charged in full as per Table 3 below.

Age Next Birthday	Plan 1 (RM)	Plan 2 (RM)	Plan 3 (RM)	Plan 4 (RM)
Table 1: Gross Premium (RM) New Business effective from 1/8/2023 Renewal Business effective from 1/10/2023
30days – 10 years (children)	458	540	826	944
11 years – 18 years	395	464	708	810
19 years – 25 years	489	577	883	1,011
26 years – 30 years	552	652	1,001	1,145
31 years – 35 years	670	794	1,183	1,356
36 years – 40 years	773	917	1,369	1,569
41 years – 45 years	876	1,041	1,554	1,783
46 years – 50 years	1,048	1,245	1,863	2,137
51 years – 55 years	1,890	2,250	2,575	2,954
56 years – 60 years	2,186	2,602	2,979	3,418
61 years – 65 years (renewal only)	2,975	3,547	4,061	4,660
66 years – 70 years (renewal only)	3,961	4,725	5,411	6,213

Age Next Birthday	Plan 1 (RM)	Plan 2 (RM)	Plan 3 (RM)	Plan 4 (RM)
Table 2: Gross Premium (RM) Effective from 1/8/2024
30days – 10 years (children)	458	540	958	1,096
11 years – 18 years	395	464	821	939
19 years – 25 years	489	577	1,026	1,174
26 years – 30 years	552	652	1,163	1,331
31 years – 35 years	765	907	1,388	1,592
36 years – 40 years	883	1,049	1,607	1,844
41 years – 45 years	1,001	1,190	1,827	2,095
46 years – 50 years	1,199	1,424	2,190	2,512
51 years – 55 years	2,287	2,724	3,069	3,521
56 years – 60 years	2,646	3,151	3,551	4,076
61 years – 65 years (renewal only)	3,604	4,297	4,844	5,559
66 years – 70 years (renewal only)	4,799	5,725	6,457	7,414

Age Next Birthday	Plan 1 (RM)	Plan 2 (RM)	Plan 3 (RM)	Plan 4 (RM)
Table 3: Gross Premium (RM) Effective from 1/8/2025
30days – 10 years (children)	458	540	1,091	1,248
11 years – 18 years	395	464	934	1,069
19 years – 25 years	489	577	1,168	1,338
26 years – 30 years	552	652	1,325	1,517
31 years – 35 years	860	1,020	1,594	1,828
36 years – 40 years	994	1,180	1,846	2,118
41 years – 45 years	1,127	1,339	2,099	2,408
46 years – 50 years	1,350	1,604	2,517	2,888
51 years – 55 years	2,684	3,197	3,563	4,089
56 years – 60 years	3,107	3,699	4,124	4,734
61 years – 65 years (renewal only)	4,232	5,046	5,627	6,459
66 years – 70 years (renewal only)	5,638	6,725	7,502	8,616

Q. Will my renewal premium increase if my age on the next birthday reaches the next category of age grouping?

Yes, your renewal premium will increase accordingly if your age on the next birthday reaches the next grouping category. This increase will be on a staggered approach for a period of three years, starting from 1/10/2023.

Example 1

Age	Age Grouping	Period of Insurance	Plan	Premium
30	26-30 years	1/10/2022 – 30/9/2023	1	RM 367
31	31-35 years	1/10/2023 – 30/9/2024	1	RM 670

Example 2

Age	Age Grouping	Period of Insurance	Plan	Premium
45	41-45 years	1/10/2022 – 30/9/2023	3	RM 1,554
46	46-50 years	1/10/2023 – 30/9/2024	3	RM 2,190

Q. Can I change plans during mid-term revision of premium?

You may only change your plan upon policy renewal. However, any plans that involve an upgrade are subject to underwriting assessment and approval.

Q. Is the premium for the MediStar guaranteed?

As stated in the Policy Wording, the premium is not guaranteed. We reserve the right to change the premium. Any change in premium shall apply to all Policyholders purchasing the same plan and shall commence from the next Renewal Date. We shall write to inform You of the change in the premium by giving you at least 30 days’ prior written notice.

Q. Why is there a change in the premium of the MediStar?

The change in premium is mainly contributed by the increase in medical and treatment costs in Malaysia due to reasons such as advances in medical devices and drugs, specialist fees, procedures, more sophisticated services, global inflation trends and increase in utilization of services. Medical inflation usually tends to be even higher than overall inflation.

According to our records, 77 out of 1,000 policy owners made a claim compared to 83 out of 1,000 policy owners 5 years ago. Additionally, each claim on average has increased from RM 5,298 to RM 8,085. As a result, we have to adjust our premium rates to ensure that we can continue to provide the same level of coverage to all of our policyholders.

The average 3 years inflation rate of medical costs is estimated around 15% for the period of 1/1/2020 to 31/12/2022.

Q. I have not made any claims on my medical policy. Why am I subjected to the premium increase?

Medical Health insurance operates on a risk sharing basis in which the combined insurance premiums for the pool of policyholders are collected and utilized for payment of claims. As such, revision to the insurance premium will be applicable to all affected policyholders.

Q. Are there any changes to my MediStar benefits?

There are no changes to your policy benefits.

Q. How is this increase in my policy premium determined?

This increase in premium is based on the portfolio’s overall claim experience of different age bands and plans, taken into consideration with similar products in the market.

Q. Do I have other options besides paying the revised premium?

If affordability is a concern, you have the following options:

Seek further advice from agent or customer care personnel for an alternative plan that suits your needs.
Downgrade within your existing plan. (Downgrading can be done WITHOUT Underwriting)
Switch to other Health product subject to Underwriting consideration.

Q. How can I cancel my policy?

You may cancel your policy at any time by giving a written notice to us. Upon cancellation, you are entitled to a certain amount of refund of the premium for the unexpired paid period from the date of cancellation provided that no claims have been made during the current Policy year. The refund formula is as stated in Policy Jacket.

Please be advised that if you discontinue/ terminate the existing policy, you will have to bear the medical expenses at your own cost.

Q. What are the disadvantages on switching policy from one insurer to another?

One of the main disadvantages is that if your current health status is less favorable to the new insurer, new terms may be imposed to exclude such illness(es). To ensure continuous cover is provided, you are advised to check with us on the accepting terms prior to your policy expiry date.

Q. How can I renew my medical insurance?

You may complete the following form(s) and submit to your agent or at our nearest branch in order for us to proceed with your renewal. However, acceptance for upgrading of plan upon renewal is subject to underwriting assessment and approval.

Renewal Notice – if maintain same product and plan.
Proposal Form – if change product or plan, kindly complete a new proposal form indicating the product and plan you intend to renew to. (if any)
Personal Health Declaration form (if any).

Q. Who should I contact if I need further information?

Should you need further clarification, please do not hesitate to contact our Call Centre at Toll Free Number: 1-300-888-990. For more information, you may also visit our website www.libertyinsurance.com.my

Medistar

Medistar

Lowest Premiums

Attractive Discount Features

Surgical & Medical Benefits

Additional Benefits

More Information

Peace Of Mind Comes With A Comprehensive Health Insurance - MediStar

From RM1.25 Per Day

24Hours Cashless Admission

Attractive Discount Features

Family Discount (FD)

Hospital Benefits

We Provide A Comprehensive Medical Coverage Scheme

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Medistar

Medistar

Lowest Premiums

Attractive Discount Features

Surgical & Medical Benefits

Additional Benefits

More Information

Peace Of Mind Comes With A Comprehensive Health Insurance - MediStar

From RM1.25 Per Day

24Hours Cashless Admission

Attractive Discount Features

Family Discount (FD)

Hospital Benefits

We Provide A Comprehensive Medical Coverage Scheme

You may also be interested in

Health

Downloads

Policy Wording

Product Disclosure Sheet

Proposal Form

Brochure

Find a Workshop | Find a Branch

Locate

Contact Us

Connect With Us

Resources

Claims

Resources

Assistance

Locate

Customer Service