Extensive Protection Against Rising Healthcare Costs - Z-Med Protect
Just focus on getting well, we will take care of the rest!
Illnesses and accidents are part and parcel of our lives. No one can ever be too prepared for these mishaps, and the last thing you want to worry about is how much it will cost you should anything happen.
Hospitalisation charges, surgical treatments, medication, examination and consultation fees all added up could be financially exhausting for many. While the rise of medical costs cannot be prevented, it is only wise to have a solution to put a stop to these worries.
At Zurich, we have taken note of your concern and that is why we designed Z-MedProtect, a yearly renewable medical insurance with comprehensive coverage that covers your medical bills, ensuring you and your loved ones total peace of mind and will not be financially burdened.
High Overall Annual Limit, No Lifetime Limit
Staying healthy is always rewarding! Get 10% premium discount on your next renewal policy if you do not file a claim during the preceding year.
Flexible and Customisable Plan
Everyone’s needs are different, so choose any of the 5 plans that offer various features and premiums that suit you best.
Guaranteed Renewable up to 100 years old
Enjoy the rewards of a well-lived life with continuous coverage into your golden age.
No Claim Bonus
Staying healthy is always rewarding! Get 10% premium discount on your next renewal policy if you do not file a claim during the preceding year.
Deductible Option (Applicable for Section A - Inpatient & Daycare Benefits)
Flexibility to choose from 4 Deductible Options to manage your medical expenses and enjoy premium discount up to 50%.
Multiple Insured Person Discount
We understand that you need to provide and care for your loved ones. Enjoy up to 10% premium discount when you insure your parent, spouse or children in the same policy!
Unlimited In-Hospital Physician Visits
Get extensive care from your attending in-hospital physicians while you are focusing on recovery.
Accidental Death or Permanent Disablement Benefit
Extra financial security with additional RM50,000 on top of the Overall Annual Limit in the unfortunate event of Accidental Death or Permanent Disablement.
Schedule of Benefits
| Benefits | Plan 1 | Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
| Limit (RM) | |||||
| LIMITS | |||||
| Overall Annual Limit For Section A & Section B | 100,000 | 300,000 | 500,000 | 1,000,000 | 2,000,000 |
| No Claim Bonus | Reduction of 10% on renewal premium (if no claims made) |
||||
| SECTION A - Inpatient & Daycare Benefits | |||||
| Daily Hospital Room & Board | 100 | 150 | 180 | 200 | 500 |
| (Maximum 365 days per annum) | |||||
| Intensive Care Unit |
As Charged (maximum 180 days per annum) | ||||
| Hotel Supplies & Services | As Charged | ||||
| Daycare Procedures | As Charged | ||||
| Surgical Fees | As Charged | ||||
| Anaesthetist's Fee | As Charged | ||||
| Operating Theatre Fee | As Charged | ||||
| In-Hospital Physician Visit (unlimited) | As Charged | ||||
| Ambulance Fees |
As Charged | ||||
| Daily-Cash Allowance At Government Hospital | 100 (maximum 365 days per annum) | ||||
| Insured Child's Daily Guardian Benefit | 250 (maximum per disability) | ||||
| Medical Reports Fees | 150 | ||||
| Organ Transplant (Heart, Kidney, Lung, Liver or Bone Marrow) |
As Charged | ||||
| Tax on Eligible Expenses |
As Charged | ||||
| SECTION B - Outpatient Benefits | |||||
| Pre-Hospital Diagnostic Tests | As Charged (within 60 days prior to hospitalisation) | ||||
| Pre-Hospital Specialist Consultation | As Charged (within 60 days prior to hospitalisation) | ||||
| Post Hospitalisation Treatment |
As Charged (within 90 days from hospitalisation) | ||||
| Emergency Accident Outpatient Treatment | As Charged (within 24 hours and follow-up treatment to a maximum of 60 days) | ||||
| Outpatient Physiotherapy Treatment | As Charged (within 90 days from discharge) | ||||
| Outpatient Kidney Dialysis Treatment | As Charged | ||||
| Outpatient Cancer Treatment | As Charged | ||||
| Emergency Accident Outpatient Dental Treatment | 4,000 (per accident) | ||||
| Home Nursing Care |
4,000 (up to 180 days, lifetime maximum) | ||||
| Second Surgical Opinion | As Charged | ||||
| SECTION C - Special Benefits (Additional Limit On Top Of The Overall Annual Limit) | |||||
| Accidental Death And Permanent Disablement | 50,000 | ||||
| International Emergency Medical Evacuation and Repartiation | 50,000 (maximum per annum) | ||||
| Funeral Expenses (All Causes) | 2,000 | ||||
| SECTION D - Optional | |||||
| Deductible (Per Any One Disability) Applicable for Section A Only |
Option | A | B | C | D |
| Deductible Amount | 0 | 5,000 | 10,000 | 20,000 | |
| Premium Discount | 0% | 15% | 30% | 50% | |
Note: The amount of benefits payable will be subject to medically necessary, reasonable and customary charges incurred for a covered disability.
Anyone between 30 days old and 65 years old (age next birthday) are eligible to purchase Z-MedProtect. This product is renewable up to 100 years old (age next birthday).
Locate Your Nearest Zurich Branch
The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Life Insurance Malaysia Berhad or PIDM.