since 1976
since 1976
Life today looks very different from a decade ago. Malaysians are living more active lifestyles, travelling more frequently, balancing multiple responsibilities, and navigating an increasingly unpredictable environment. At the same time, rising living costs are prompting consumers to reassess their financial priorities and seek protection solutions that deliver greater value, flexibility, and relevance to their everyday lives.
Accidents and unforeseen events can happen anytime and anywhere, potentially disrupting income, creating unexpected expenses, and affecting the wellbeing of individuals and families. Yet affordability concerns and changing priorities have contributed to a growing protection gap, leaving many Malaysians underprotected against life's unexpected moments.
Recognising the need for accessibility and adaptable protection, Liberty General Insurance Malaysia introduces PA Flex, a comprehensive personal accident solution designed to support the way Malaysians live today. Available through our 3 brands, Liberty Insurance, Kurnia Insurance, and AmAssurance, PA Flex provides flexible coverage options that empower customers to choose protection that aligns with their lifestyles, priorities and budgets.
Protection That Moves With You
Built around the belief that protection should evolve alongside changing lifestyles, PA Flex offers seven plans, enabling customers to select the level of coverage that best suits their needs and financial circumstances. From essential protection to more comprehensive coverage, customers can tailor a plan that provides meaningful value without paying for benefits they may not require.
PA Flex delivers 24/7 worldwide coverage and provides financial protection against a broad range of accidents and unforeseen events, giving customers greater confidence wherever life takes them.
Protection for What Matters Most
At its core, PA Flex provides protection against the financial impact of accidents through benefits such as Accidental Death and Permanent Disability coverage, helping individuals and families maintain greater financial security during unexpected situations.
The plan also includes coverage for accident-related medical expenses, daily hospital income benefits, compassionate care support, and cashless hospital admission and discharge, helping customers focus on recovery while reducing financial concerns during challenging times.
To further enhance personal security, PA Flex includes additional benefits such as protection against snatch theft, kidnapping, and personal liability, providing added reassurance in today's increasingly dynamic environment.
For Malaysians travelling during festive seasons or relying on public transport, PA Flex also provides double indemnity benefits for accidents occurring during Malaysian public holidays or while travelling as a passenger on public transport, offering enhanced protection when people are most likely to be on the move.
More Than Accident Protection
Beyond providing financial support following an accident, PA Flex is designed to help customers recover and regain stability during challenging times.
The plan also includes coverage for accident-related medical expenses, daily hospital income benefits, compassionate care support, and cashless hospital admission and discharge, helping customers focus on recovery while reducing financial concerns during challenging times.
Customers can also enjoy additional personal safety benefits, including protection against snatch theft, kidnapping, and personal liability, providing an added layer of security in an increasingly complex environment.
For Malaysians travelling during festive seasons or relying on public transport, PA Flex provides double indemnity benefits for accidents occurring during Malaysian public holidays or while travelling as a passenger on public transport, offering enhanced protection when people are most likely to be on the move.
Designed for Modern Lifestyles
As Malaysians increasingly embrace active and experience-driven lifestyles, PA Flex extends beyond conventional personal accident coverage to protect customers during everyday activities and recreational pursuits.
The plan provides protection against everyday risks such as food poisoning, drowning, insect and animal bites, and accidental suffocation caused by smoke, fumes or poisonous gases. It also covers a variety of lifestyle and leisure activities, including amateur sports, motorcycling, underwater activities and scuba diving up to 50 metres, winter sports, and hunting.
Recognising that risks can arise unexpectedly, PA Flex also includes protection against natural disasters, exposure to natural elements, unprovoked murder and assault, disappearance, strike, riot and civil commotion, hijacking, terrorism, and intoxication arising from prescribed medication.
Supporting Financial Resilience in an Uncertain World
As economic uncertainties and evolving lifestyles continue to reshape consumer needs, the role of personal accident protection remains as important as ever. Individuals are increasingly seeking solutions that provide practical financial support and peace of mind when unexpected events disrupt their daily lives.
PA Flex reflects Liberty's commitment to making protection more accessible, relevant, and responsive to the realities of modern living. By combining core personal accident protection, lifestyle-centric coverage, and flexible plan options, PA Flex empowers individuals to stay protected with confidence and focus on what matters most.
As life continues to evolve, protection should evolve with it. With PA Flex, Liberty Malaysia is helping Malaysians embrace every opportunity with greater confidence, knowing they have dependable protection for life's everyday moments and unexpected turns.
For more information about PA Flex and other Personal Accident insurance solutions from Liberty General Insurance, please visit www.libertyinsurance.com.my.
e-Brochures link Here
PA Flex Brouchure - AmAssurance.pdf
PA Flex Brouchure - Kurnia Insurance.pdf
PA Flex Brouchure - Liberty General Insurance.pdf
