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Zurich ValueCare

Caring for you and your health needs.

Zurich ValueCare is a comprehensive, unit-deducting medical rider that covers your medical bills on top of the deductible amount. With Zurich ValueCare, you can protect what you value most – the wellbeing of your family.

  • Why should I choose this plan?

    Protection Up To RM2.25 Million, No Lifetime Limit*

    Provides Annual Limit up to RM2.25 million to help with rising medical costs that may take their toll over the years to come. There's also the added bonus of no Lifetime Limit* which gives you the assurance you need in your retirement years.

    *For Plan 2 and above only

    Out-Patient Kidney Dialysis and Cancer Treatment

    If you're diagnosed with Kidney Failure or Cancer, rest assured that you'll be reimbursed for your medical treatment, subject to Deductible per Any One Disability.

    Be Protected Against Dengue Fever

    With Zurich ValueCare, you're more than protected with a substantial pre-event limit for Out-Patient Dengue Fever Treatment in the unfortunate event of you contracting a defined dengue fever.

    Receive Specialised Treatment In Singapore

    Sometimes an illness may require more or different expertise that may not be available in Malaysia. Overseas Medical Treatment in Singapore is a unique feature offered with Plan 4, which means that eligible expenses incurred up until the day of discharge will be fully reimbursed* upon your return to Malaysia.

    *Subject to deductible amount if any, conditional co-payment and other terms and conditions.

    Stay Covered With Accidental Death Benefit

    Enjoy a complete peace of mind knowing that you’re covered for as long as 365 days after an unfortunate accident. Should the unexpected happen to you as a direct result of the accident, your loved ones will be entitled to accidental death benefit as stated in the Schedule of Benefits.

    Worry-Free With Emergency Assistance Programme

    When travelling abroad, certain countries may have difficulties processing your medical coverage. With International Medical Assistance Programme, you will get all the information and care you need in the event that you need medical attention.

    Additional Protection with Infectious Disease Benefit

    Infectious diseases are not easy to deal with. That’s why we provide extra protection of up to RM10,000 per infectious disease diagnosed before age 70. While each infectious disease is only claimable once, you can be sure that the additional protection will get you and your loved ones adequately covered.

    AGE 15 & BELOW AGE 16 - 70 YEARS             
    Cholera Influenza A – Avian Influenza A (H7N9) & A(H5N1)
    Tuberculosis (TB) Malaria

    Please refer to policy contract for detailed definitions of the infectious diseases covered.

    For further details of terms and conditions, please request for Zurich ValueCare's product disclosure sheet, sales illustration and policy documents.
  • Is there a range of plans that I can choose from?

    Schedule of Benefits

    Overall Annual Limit 375,000 1,000,000 1,750,000 2,250,000
    Overall Lifetime Limit 750,000 No limit
    Daily Hospital Room & Board
    (unlimited number of days)
    160 210 280 380
    Intensive Care Unit / High Dependency Unit
    (max. 60 days per annum)

    As charged
    Subject to Deductible2
    per Any One Disability

    Hospital Supplies & Services
    Surgical Fees
    (for post-surgical care, within 90 days from discharge)
    Anaesthetist Fees
    Operating Theatre
    Ambulance Fees
    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
    (unlimited number of days)
    Post-Hospitalisation Treatment
    (within 90 days from discharge)
    Organ Transplant
    (once per lifetime)
    Intraocular Lens
    (once per lifetime on each eye)

    As charged

    Overseas Medical Treatment in Singapore3
    (max. limit per annum, subject to any Deductible per Any One Disability)
    N/A N/A N/A 500,000
    Out-Patient Dengue Fever Treatment
    (max. limit per event)
    1,600 2,100 2,800 3,800
    Out-Patient Kidney Dialysis Treatment

    As charged
    Subject to Deductible2
    per Any One Disability
    Out-Patient Cancer Treatment
    Out-Patient Physiotherapy Treatment
    (within 180 days from discharge/surgery)
    Emergency Accidental Out-Patient Treatment
    (within 72 hours from accident and follow-up treatment up to a max. of 31 days)
    Daily Cash Allowance at Government Hospital
    (unlimited number of days)
    50 60 75 85
    Guardian Benefit
    (max. limit per disability)
    200 250 300 400
    Medical Report Fees
    (max. limit per disability)
    100 120 120 120
    Home Nursing Care
    (max. 200 days per lifetime)

    As charged

    Accidental Death Benefit 10,000 20,000 30,000 40,000
    Infectious Disease Benefit4 5,000 per Infectious Disease 10,000 per Infectious Disease
    Emergency Assistance Programme In accordance with the benefit provisions in Emergency Assistance Programme agreement.

    1Out-Patient Dengue Fever Treatment, Accidental Death Benefit, Infectious Disease Benefit and Emergency Assistance Programme are not included into the overall Limit.
    2Life Assured will need to pay a deductible amount of RM500 (if applicable) for Any One Disability and Zurich Life Insurance Malaysia Berhad will pay the balance up to the annual limit.
    3Zurich Life Insurance Malaysia Berhad shall reimburse the charges payable (after converting to Ringgit Malaysia in accordance with the exchange rate on the day of discharge) for eligible expenses incurred in a Rider Policy Year for all items in the Schedule of Benefits above (except for Out-Patient Dengue Fever Treatment, Out-Patient Kidney Dialysis Treatment, Out-Patient Cancer Treatment, Daily Cash Allowance at Government Hospital, and Emergency Assistance Programme) subject to Deductible and the limit of this benefit.
    4The Infectious Disease Benefit will cease when the Life Assured attains age 70.

  • How does the Deductible work?

    For Hospital Benefits and Out-Patient Benefits, the Life Assured only pays the maximum of RM500 for Any One Disability for the first two years of the Rider and the next two years after making a claim. The rest will be covered by Zurich ValueCare.

    1 RM500 No
    2 RM500 No
    3 RM0 Yes
    4 RM500 No
    5 RM500 No
    6 RM0 No
    7 RM0 No
    • If there is claim made in the third rider year, the Deductible will apply for the next two rider years.
  • Who is eligible for this plan?

    Anyone between 14 days old and 70 years old (attained age) is eligible to attach Zurich ValueCare as a rider to selected regular premium investment-linked plans.

    If you are an existing policyholder with Flex Maternity Care rider, you can activate the Option to Purchase New Policy for Child and attach this rider to your child's policy immediately after birth.

  • Where can I get more information?
  • Contact us.
    Zurich ValueCare

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