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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 callcentre@zurich.com.my

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Zurich SureHealth

Making good health more rewarding

 
At Zurich, we believe maintaining good health should always be rewarding. That is why we have designed Zurich SureHealth – a comprehensive medical plan that not only covers your medical needs, but also encourages you to be healthy. Should you have a particular health setback at the point of purchasing this plan, Zurich SureHealth will help you get your health back on track.
  • What benefits do I get?

    Enjoy cash backs when you stay healthy

    When you stay healthy, Zurich SureHealth rewards you with a cash back of 10% on premiums paid under the plan’s No Claims Bonus benefit.
    From the 2nd policy year onwards, the annual cash back1 is payable in the policy year if no claims were made in the preceding policy year.

    1The cash back payable in a given policy year is equivalent to 10% of the premiums paid (excluding the Sales and Services Tax) for your Zurich SureHealth plan in the preceding policy year. Terms and conditions apply.

    Enjoy all the perks of Z Wellness Care

    Z Wellness Care is an incentive programme which consists of our Wellness Reward Programme and Health Optimiser that rewards you for getting healthier.

    More reasons to get fit
    If you have health setbacks such as high cholesterol or obesity at the point of purchasing Zurich SureHealth, you are eligible to join the programme. If your health improves by the end of the programme, your premium could be reduced.

    Here’s an example of how the Wellness Reward Programme works:
    Jacob is a 39-year old Finance Manager2. He purchases Zurich SureHealth at an annual premium of RM2,902.50. He undergoes a health check and learns his total cholesterol / HDL ratio is 6.9, which is above the normal range. This makes him eligible to join the Wellness Reward Programme3. He agrees to join and is given advice and guidance on ways to improve his health and lower his cholesterol level. Jacob begins to make healthier lifestyle choices, and goes for regular assessments to monitor his progress. At the end of the programme, Jacob is delighted to learn that his cholesterol level has dropped and now meets the Wellness Reward Programme’s requirements. As a reward, Jacob’s annual premium is reduced to RM2,250.00.

    2Finance Manager is classified under Occupational Class 2.
    3Acceptance into this programme is subject to the underwriting requirements at the point of policy purchase and the Life Assured’s consent to the programme’s offer.

    Making Protection more affordable with Health Optimiser
    Being vaccinated is an important part of protecting your overall health. With Health Optimiser, you can enjoy special discounts on certain vaccinations.

     

    Your own personal mobile health assistant - MiCare MyMed

    Keeping your health in check is more convenient with Zurich SureHealth. Download the exclusive MiCare MyMed mobile application to:
    • Purchase vaccinations offered through Health Optimiser at discounted rates, and locate the nearest panel clinics that offer the vaccinations.
    • Track your progress under the programme . Receive reminders and schedule your health  assessments at the nearest panel clinics.
    • Locate the nearest panel hospitals via its built-in Google Maps / Apple Maps feature.

    Note: The Health Optimiser and mobile application features are non-guaranteed, and are subject to the agreement between Zurich Life Insurance Malaysia Berhad and its appointed third party service provider.

    Cashless Facility - Hassle-free hospital admissions

    Zurich SureHealth offers cashless hospitalisation. In times of emergency, just show your medical card for speedy admission and medical attention at any of our panel hospitals. When discharged, you just need to settle your co-insurance charges while we take care of the balance of the covered expenses in your bill.

     

  • Is there a range of plans that I can choose from?

    Schedule of Benefits

    PLANS
    SILVER GOLD PLATINUM
    Limit (RM)
    LIMITS
    Overall Annual Limit (OAL) 100,000 150,000 200,000
    Overall Lifetime Limit (OLL) 700,000 1,050,000 1,400,000
    Out-Patient Kidney Dialysis Treatment Lifetime Limit (OKLL) 150,000 225,000 300,000
    Out-Patient Cancer Treatment Lifetime Limit (OCLL) 200,000 300,000 400,000
    HOSPITAL BENEFITS (Subject to OAL and OLL)
    Daily Hospital Room & Board
    (Limit per day; up to a maximum of 200 days per policy year)
    180 260 350
    As charged; subject to the limit stated above.
    Intensive Care Unit / High Dependency Unit
    (Up to a maximum of 60 days per policy year)

    As charged.
    A co-insurance of 10% with a maximum of RM2,000 shall apply.

    Hospital Supplies & Services
    Surgical Fees
    (For post-surgical care; within 60 days after discharge)
    Anaesthetist Fees
    Operating Theatre
    Day Surgery
    Pre-Hospital Diagnostic Tests
    (Within 60 days prior to admission)
    Pre-Hospital Specialist Consultation
    (Within 60 days prior to admission)
    In-Hospital Physician Visit
    (2 visits per day; up to a maximum of 200 days per policy year)
    Post-Hospitalisation Treatment
    (Within 60 days after discharge)
    Ambulance Fees
    Organ Transplant
    (once per lifetime)
    OUT-PATIENT BENEFITS
    Out-Patient Kidney Dialysis Treatment As charged; subject to OKLL.
    A co-insurance of 10% with a maximum of RM2,000 shall apply.
    Out-Patient Cancer Treatment As charged; subject to OCLL.
    A co-insurance of 10% with a maximum of RM2,000 shall apply.
    Out-Patient Physiotherapy Treatment
    (Within 90 days after discharge/surgery)

     

    As charged; subject to OAL and OLL.
    A co-insurance of 10% with a maximum of RM2,000 shall apply.

    Emergency Accidental Out-Patient Treatment (Within 72 hours after the accident; and follow-up treatment up to a maximum of 31 days after the accident)
    OTHER BENEFITS (Subject to OAL and OLL)
    Daily Cash Allowance at Government Hospital
    (Up to a maximum of 200 days per policy year)
    60 75 85
    Guardian Benefit
    (Maximum limit per disability)
    250 300 400
    As charged; subject to the limit stated above.
    Medical Report Fees
    (Maximum limit per disability)
    120 120 120
    As charged; subject to the limit stated above.
    Home Nursing Care
    (Maximum limit per disability)
    750 1,000 1,500
    As charged; subject to the limit stated above.
    Tax on Eligible Expenses  As charged.
    WELLNESS BENEFIT
    No Claims Bonus Starting from the 2nd policy year onwards, a cash back of 10% of premiums paid for Zurich SureHealth plan in the preceding policy year shall be payable, provided that no claims were made in that preceding policy year. 

    Note: The amount of benefits payable will be subject to medically necessary, reasonable and customary charges incurred for a covered disability.

  • Who is eligible for this plan?
    Zurich SureHealth is a standalone non-participating medical plan that is available to anyone between 30 days attained age and 59 years last birthday. 
  • Where can I get more information?
  • Contact us.
    Zurich SureHealth

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