Ideal Care is an indemnity policy which covers hospitalisation and medical costs in the event of injury or illness. With Ideal Care, you can recuperate in peace without worrying about the medical bill.
Please read the Product Disclosure Sheet before you decide to purchase this policy to ensure that it meets with your requirements.
| 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 |
| Insured + Spouse | 5% Discount on standard premium |
| Insured + Children | 5% Discount on standard premium |
| Insured + Spouse + Children | 10% Discount on standard premium |
The benefit(s) payable under this eligible policy is protected by Perbadanan Insurans Deposit Malaysia ("PIDM") up to limits. Please refer to PIDM's TIPS Brochure or contact Liberty General Insurance Berhad or PIDM (visit www.pidm.gov.my).
| Plan Type | Plan 1 (RM) |
Plan 2 (RM) |
Plan 3 (RM) |
Plan 4 (RM) |
| 1) HOSPITAL BENEFITS | MAXIMUM PER ANY ONE DISABILITY | |||
| Daily Room & Board (Max. 150 days) | 100 | 150 | 250 | 300 |
| Intensive Care Unit (Max 75 days) | AS CHARGED | |||
| Hospital Supplies & Services (including Operating Theatre) |
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| 2) SURGICAL BENEFITS | ||||
| Pre-Admission Diagnostic Services (within 31 days before admission) |
AS CHARGED | |||
| Pre-Surgical Specialist Consultation (within 31 days before admission) |
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| Surgical Fees & Anaesthetic Fees | ||||
| Post Hospitalisation Treatment (within 31 days after discharge) |
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| Physiotherapy Treatment (within 31 days after discharge) |
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| MAXIMUM PER ANY ONE DISABILITY | 15,000 | 20,000 | 30,000 | 40,000 |
| 3) MEDICAL BENEFITS (NON SURGICAL) | ||||
| Pre-Hospital Diagnostic Services (within 31 days before admission) |
AS CHARGED | |||
| Pre-Hospitalisation Specialist Consultation (within 31 days before admission) |
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| Daily In-Hospital Physician's Visit | ||||
| Post Hospitalisation Treatment (within 31 days after discharge) |
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| MAXIMUM PER ANY ONE DISABILITY | 15,000 | 20,000 | 30,000 | 40,000 |
| 4) AMBULANCE FEES | AS CHARGED | |||
| 5) OUTPATIENT / EXTENDED BENEFITS | ||||
| Emergency Accidental Treatment | AS CHARGED | |||
| Outpatient Cancer Treatment (Annual Limit) |
15,000 | 25,000 | 35,000 | 45,000 |
| Outpatient Kidney Dialysis Treatment (Annual Limit) |
15,000 | 25,000 | 35,000 | 45,000 |
| Lodger Expenses (Guardian Allowance) |
50 | 60 | 80 | 100 |
| Medical Report Fee | 80 | 80 | 80 | 80 |
| Home Nursing (within 31 days after discharge) |
100 | 125 | 150 | 175 |
| 6) ORGAN TRANSPLANTATION (ONCE PER LIFETIME) | 20,000 | 30,000 | 40,000 | 50,000 |
| 7) GOVERNMENT HOSPITAL INCOME BENEFITS | ||||
| Daily Cash Allowance | 50 | 60 | 80 | 100 |
| 8) ACCIDENTAL DEATH BENEFIT | 5,000 | 7,500 | 12,500 | 15,000 |
| 9) OVERALL ANNUAL LIMIT | 40,000 | 60,000 | 100,000 | 120,000 |
| 10) OVERALL LIFETIME LIMIT | 120,000 | 180,000 | 300,000 | 360,000 |
| ANNUAL PREMIUM RATES (AGE NEXT BIRTHDAY) | ||||
| Age | Plan 1 (RM) |
Plan 2 (RM) |
Plan 3 (RM) |
Plan 4 (RM) |
| 30days - 10yrs (Children) | 306 | 361 | 459 | 524 |
| 11yrs - 18yrs | 265 | 312 | 396 | 452 |
| 19yrs - 25yrs | 326 | 385 | 490 | 560 |
| 26yrs - 30yrs | 367 | 367 | 553 | 632 |
| 31yrs - 35yrs | 407 | 482 | 615 | 704 |
| 36yrs - 40yrs | 468 | 555 | 709 | 812 |
| 41yrs - 45yrs | 529 | 628 | 803 | 920 |
| 46yrs - 50yrs | 631 | 749 | 959 | 1099 |
| 51yrs - 55yrs | 793 | 943 | 1210 | 1387 |
| 56yrs - 60yrs | 915 | 1088 | 1397 | 1602 |
| 61yrs - 65yrs (Renewal only) | 1240 | 1477 | 1898 | 2177 |
| 66yrs - 70yrs (Renewal only) | 1646 | 1962 | 2523 | 2896 |
Complete the application form by:
Underwritten by:
This is for your general information only. You are advised to visit any of our UOBM branches for the detailed terms, conditions and exclusions of coverage. The above plans are underwritten by Liberty General Insurance Berhad 197801007153 (44191-P), formerly known as AmGeneral Insurance Berhad. All claims and liabilities arising from the policies should be made with the company.
