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Important Notice

Please be informed that medical plans underwritten by Zurich Life Insurance Malaysia Berhad and Zurich Takaful Malaysia Berhad provide coverage for COVID-19 caused by SARS-CoV-2 (2019 novel coronavirus), subject to the terms and conditions specified in the respective plans. Zurich will waive the standard exclusion and continue to provide coverage, should the Ministry of Health classify the SARS-CoV-2 as among ‘communicable diseases requiring quarantine by law’. In the event you have / suspected to have contracted the SARS-CoV-2, please seek immediate medical attention. For enquiries, please email us at

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MedicaGen 200

Prepares you for costly medical expenses with comprehensive protection.

The value of one’s life cannot be expressed in dollars and cents. But one thing that can is the high price of an unfortunate life-changing incidents. MedicaGen 200 is designed to protect you against costly medical expenses in such an event.

  • What benefits do I get?
    • Renewable up to age 75.
    • High annual limits and lifetime limits.
    • Protection with a Lifetime Limit up to 3 times the Overall Annual Limit.
    • Inclusive of personal Accident cover of RM 50,000.
    • Easy access to extensive network of panel hospitals.
  • Is there a range of plans that I can choose from?

    Schedule of Benefits

    LIMIT (RM)
    Overall Annual Limit 35,000 50,000 70,000 120,000
    Lifetime Limit - During the first two (2) policy years 25,000 50,000 70,000 120,000
    Lifetime Limit - Thereafter, provided insured has been claims free for the Preceding two (2) policy years 105,000 150,000 210,000 360,000
                                                                                                                                                                                                                                       LIMIT PER DISABILITY
    Hospital Room & Board
    (Max. 365 days per annum)
    110 160 210 360
    Intensive Care Unit
    (Max. 60 days per annum)
    As Charged
    Hospital Supplies & Services
    Surgical Fees
    Anaesthetist Fees
    Operating Theatre
    Pre-Hospital Diagnostic Tests
    (within 60 days prior to admission)
    Pre-Hospital Specialist Consultation
    (within 60 days prior to admission)
    In-Hospital Physician Visit
    (max. 365 days per annum)
    Post Hospitalisation Treatment
    (within 31 days from discharge)
    Emergency Accidental Outpatient Treatment
    (within 24 hours and follow-up treatment to a max.of 31 days)
    As Charged
    Outpatient Physiotherapy Treatment
    (within 90 days from discharge / surgery)
    Ambulance Fees 350 500 700 1,200
    Outpatient Kidney Dialysis Treatment
    (per annum)
    11,000 16,000 21,000 36,000
    Outpatient Cancer Treatment
    (per annum)
    22,000 32,000 42,000 72,000
    Daily-Cash Allowance at Government Hospital
    (max. 365 days per annum)
    100 100 100 100
    Home Nursing Care
    (per annum)
    1,500 1,500 1,500 1,500
    Insured Child's Daily Guardian Benefit
    (max. per disability)
    200 250 300 400
    Medical Report Fees 80 80 100 100
    Government Service Tax As Charged
    Accidental Death & Dismemberment 50,000 50,000 50,000 50,000
  • Who is eligible for this plan?
    Anyone aged between one (1) year up to sixty (60) years old (age next birthday) and who is in good health.
  • Where can I get more information?
  • Contact us.

    Meet a Zurich Insurance Agent

    Meet A Zurich Agent

    Locate Your Nearest Zurich Branch  

    Locate Your Nearest Zurich Branch

    Contact Our Zurich Call Centre

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