Ideal Care: An indemnity policyIdeal Care: An indemnity policy

Ideal Care

Affordable medical protection for unexpected hospitalisation and surgical expenses, all in one simple plan.

Simple, reliable medical coverage when you need it most

Ideal Care provides essential protection to help you manage the cost of hospitalisation and surgical treatment. Whether it’s an unexpected illness or injury, this plan offers a straightforward way to ensure you’re covered without lengthy enrolment processes or premiums that increase significantly over time.

With a choice of affordable plans, Ideal Care is designed to give you peace of mind and financial support during life’s medical uncertainties.

Benefits at a Glance

Daily Room & Board and ICU Coverage

Daily Room & Board and ICU Coverage

Stay covered for hospital stays and intensive care unit needs.

Surgical Benefit  

Surgical Benefit  

Covers pre, during and post hospitalisation treatment, including physiotherapy treatment.

Medical Benefit (Non-Surgical)

Medical Benefit (Non-Surgical)

Includes medical visits, diagnostic scans and post hospitalisation treatment.

Emergency Ambulance Coverage

Emergency Ambulance Coverage

Get reimbursed for ambulance fees during medical emergencies.

Outpatient and Emergency Treatment Benefits

Outpatient and Emergency Treatment Benefits

Includes outpatient cancer care, dialysis and more.

Organ Transplantation Benefit

Organ Transplantation Benefit

Once per lifetime benefit to ease the cost of major transplants.

Government Hospital Income & Accidental Death Benefit

Government Hospital Income & Accidental Death Benefit

Receive daily cash allowance and payout in case of accidental death.

Overall Annual and Lifetime Claim Limits

Overall Annual and Lifetime Claim Limits

Coverage scales with your chosen plan tier — up to RM360,000.

Choose your coverage and save more

Select from 4 plan options based on your medical needs and budget. Enjoy additional savings through no claim discount and family coverage.



Annual Premium Rates (Age Next Birthday)

Annual Premium Rates (Age Next Birthday)Annual Premium Rates (Age Next Birthday)

Included with your Ideal Care plan:

Guaranteed renewal

Guaranteed renewal

Continue your coverage annually up to age 70 (subject to terms and conditions).

Wide hospital access

Wide hospital access

Valid across a panel of hospitals nationwide.

Comprehensive coverage

Comprehensive coverage

Includes hospitalisation, surgery, outpatient treatment, and more.

Premium Discounts

Enjoy automatic discounts upon renewal with no claim incurred:
  • Period of Insurance
  • Discount Rates
Period of Insurance Discount Rates
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
Period of Insurance
2 consecutive years preceding renewal
3 consecutive years preceding renewal
4 consecutive years preceding renewal

Special Family Discount

  • Family Members
  • Discount Rates
Family Members Discount Rates
Insured + Spouse 5% Discount on standard premium
Insured + Children 5% Discount on standard premium
Insured + Spouse + Children 10% Discount on standard premium
Family Members
Insured + Spouse
Insured + Children
Insured + Spouse + Children

More Information

Eligibility
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Entry age: 30 days old (for children) up to 60 years old (age next birthday)
Renewal age: Up to 70 years old

Take charge of your health with Ideal Care’s simple and affordable medical plan.

Take charge of your health with Ideal Care’s simple and affordable medical plan.

Terms and Conditions
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Terms & Conditions | ENG

Underwritten by:

Liberty Insurance

 

This is for general information only. The above plans are underwritten by Liberty General Insurance Berhad 197801007153 (44191-P). All claims and liabilities arising from the policies should be made with the company. You are advised to contact Liberty for details terms, conditions and exclusions of coverage.

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).