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Important Notice 

Dear Valued Customers,

Our head office and branches will be closed from 24 January 2020 (Friday) to 27 January 2020 (Monday) in conjunction with the Chinese New Year celebration.

We will resume operations on 28 January 2020 (Tuesday). For vehicle breakdown, please contact our 24-hour Zurich Roadside Assistance hotline.

We wish all who are celebrating a Happy Chinese New Year and safe travels on the road!


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Zurich MediCash

Safeguarding your income while you are on the road to recovery.

When life throws you a curveball, are you prepared for it? Illnesses and accidents can happen anytime. Being hospitalised could lead to loss of income and added financial burden for you and your loved ones.

Zurich MediCash is a standalone and affordable plan. It offers Daily Hospitalisation Income, Monthly Accidental Total and Permanent Disability (TPD) Income and Compassionate Allowance to protect you against income loss.

Important Notice

Income protection – the ability to ensure financial security even in the face of crises such as long-term illness, disability or death – plays a crucial role in our lives and that of our loved ones. Yet, the income protection gap is present in many families, who do not have financial compensation should there be a reduction / loss in household income due unexpected events. To get a quick calculation on how much insurance / takaful coverage can be obtained based on your budget and needs, try out Protection Gap and Budget Calculator.

  • Why should I choose this plan?

    Minimise life's uncertainties with this plan.

    Daily Hospitalisation Income Benefit

    We will provide an income in place of your earnings when you are unfit for work. Regardless of illness or injury, you will receive a daily income of up to RM400 during your hospitalisation period. Additionally, if you are admitted to the Intensive Care Unit (ICU) / High Dependency Unit (HDU), you will receive double of the Daily Hospitalisation Income Benefit. This plan also includes Overseas Daily Hospitalisation Income Benefit.

    Compassionate Allowance

    Minimise life’s uncertainties with this plan. Your loved ones will receive a Compassionate Allowance up to RM20,000 when you are no longer around.



    No Claim Discount

    Be rewarded with 20% discount of the premium when you have not made any claim within the past one (1) year.


    Monthly Accidental Total and Permanent Disability (TPD) Income Benefit

    Life is unpredictable but you can always prepare for the worst. With Zurich MediCash, a Monthly Accidental TPD Income Benefit up to RM2,000 per month will be payable to Life Assured who suffers TPD as a result of an accident.

  • What kind of plan and coverage is right for me?

    You can select one of the plans below to suit your needs.



    Benefits Plan 100 Plan 200
    Daily Income1
    Daily Hospitalisation Income Benefit RM100 per day RM200 per day
    Intensive Care Unit (ICU) / High Dependency Unit (HDU) and Overseas Daily Hospitalisation Income Benefit RM200 per day RM400 per day
    Monthly Income
    Monthly Accidental Total and Permanent Disability (TPD) Income Benefit2
    (up to 120 months per Certificate)
    RM1,000 per month RM2,000 per month
    Compassionate Allowance3
    Compassionate Allowance RM10,000 RM20,000
    No Claim Discount4
    No Claim Discount 20% of the contribution for current Certificate Year


    Notes:
    1Benefits payable are subject to:
    i. A combined limit of 4 admissions per Certificate Year and 730 days of confinement to hospital throughout the coverage term.
    ii. Daily Hospitalisation Income Benefit is payable for each day of Hospital Confinement up to 60 days per Policy Year.
    iii. Intensive Care Unit (ICU) / High Dependency Unit (HDU) and Overseas Daily Hospitalisation Income Benefit is payable for each day of Hospital Confinement up to 60 days per Policy Year.
    iv. No Daily Hospitalisation Income Benefit shall be paid where the Intensive Care Unit (ICU) / High Dependency Unit (HDU) and Overseas Daily Hospitalisation Income Benefit is payable and vice versa.

    2 This benefit will be paid up to 120 months in the event of Total and Permanent Disability (TPD) of the Person Covered within 365 days from the date of Accident. All benefits and contribution under this plan shall cease immediately after the date of commencement of TPD due to an accident.
    3 A lump sum of Compassionate Allowance is payable upon death of Life Assured.
    4 In the event there is no approved claim in the preceding Policy Year, No Claim Discount equivalent to 20% of the premium for current Policy Year will be given.

     

  • Who is eligible for this plan?
    This plan is open to anyone between 18 years old and 50 years old (age last birthday).
  • How do I make a nomination?
    To nominate your beneficiaries, please fill in the Nomination Form and submit the form at your nearest Zurich branch.
  • How do I make a claim?

    Step 1

    submit

    Prepare the required documents as stated below.

    Step 2

    Step 2

    Complete the required form(s) and get your attending doctor to complete the required Physician’s Statement form (if applicable).

    Step 3

    full documents

    Ensure all the required documents are complete and submit them at your nearest Zurich branch.

    Step 4

    Email

    Check your claim status by calling us at 1-300-888-622 or writing in to us.

    • Hospitalisation
    • Death
    • Total and Permanent Disability
    A. Compulsory documents:
    1. Claimant’s Statement Form
    2. CTC of Claimant’s NRIC / Passport / Residence card
    3. Attending Physician’s Statement (Accident & Hospitalisation Claim) Form (for claim amount exceeding RM500 or policy duration of less than 2 years from the Issue Date or Reinstatement Date, whichever is later)
    4. CTC of Admission and Discharge Notes / Summary or Hospital Bills/Invoices

    B. Additional documents (if any):
    1. CTC of MRI, X-ray, CT Scan or other Radiology / Medical Reports
    A. Compulsory documents:
    1. Claimant’s Statement Form
    2. CTC of Claimant’s NRIC / Passport / Residence card
    3. CTC of Death Certificate


    B. Additional documents (if any):
    1. CTC of Marriage Certificate (if claimant is spouse) or Birth Certificate of Claimant (if claimant is child) or Birth Certificate of Deceased (if claimant is parents) as Proof of Relationship
    2. Original Policy Contract
    3. Original Letter of Consent (4 copies)
    4. CTC of report of death abroad from National Registration Department (NRD) - if Insured died abroad
    5. Letter of Administration / Grant of Probate / Distribution Order (applicable for policy without nomination)
    6. CTC of Deceased’s NRIC / Passport / Residence card


    C. Documents to be completed if death due to sickness or natural cause:
    1. Physician’s Statement Form (for policy duration within 2 years from the Issue Date or Reinstatement Date, whichever is later)


    D. Documents to be submitted if death due to accident:
    1. CTC of Post Mortem / Coroner’s Report (for policy duration of less than 5 years from the Issue Date or Reinstatement Date, whichever is later)
    2. CTC of Toxicology Report, if any
    3. CTC of Police Report
    4. Newspaper Cutting, if any (Please translate to English or Bahasa Malaysia if the article is not in either of these languages)
    A. Compulsory documents:
    1. Claimant’s Statement Form
    2. CTC of Claimant’s NRIC / Passport / Residence card
    3. Total and Permanent Disability Claim Form (Part B - Attending Physician’s Statement)
    4. Neurological Examination Report (NER)
     

    B. Additional documents (if any):
    1. CTC of other Medical Report (if relevant)
    2. CTC of EPF Withdrawal letter, if applicable
    3. CTC of SOCSO Offer Letter/ SOCSO “Keputusan Jemaah Doktor Mengenai Keilatan” (if applicable)
    4. Original Letter of Consent (4 copies)
    5. Original Policy Contract
    6. CTC of Employment Termination Letter, if applicable


    C. Documents to be submitted if the disability due to accident:
    1. CTC of Police Report
    2. Newspaper Cutting, if any (Please translate to English or Bahasa Malaysia if the article is not in either of these languages)

    If you wish to talk to us regarding your claim and have any queries on the above, you may call us at 1-300-888-622 or write in to us.

    Important Notes:
    1. CTC - Certified True Copy
    2. To facilitate the processing, please submit to us all required documents.
    3. The copy of documents must be certified by Zurich Chief Agency Manager / Zurich Officer / Commissioner for Oaths / Judge / Magistrate / Solicitors.
    4. The list of required documents for Life Insurance Claims serves as a guideline for claims submission. The Company reserves the right to request for further information or documents if deemed necessary.
     

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

    Visit Our Kuala Lumpur Branch


    Visit Our Petaling Jaya Branch


    Contact Our Zurich Call Centre


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