Zurich ValueLife Premier
For the Hero in you
You are the Hero of your family. You work hard to provide, nurture and protect them. But you are not invincible. Are you adequately covered for your loved ones if something happens to you?
Adequate protection may not necessarily come at a high cost. Get high coverage with Zurich ValueLife Premier, an affordable regular premium investment-linked plan that works around your ever-changing lifestyle - be it for your newborn child, buying a new property or legacy planning for next generations. So no matter what happens, your family’s future can always remain certain.
Note: This is an insurance product that is tied to the performance of its underlying assets and is NOT a pure investment product like unit trusts.
Your Hero Powers :
High coverage up to age 100 with no medical check-up required*
Get unmatched protection for you and your loved ones with a higher coverage plan starting from RM500,000. Plus, no medical check-up is required1 for coverage up to RM2,000,000! Choose from the various coverage options to meet your needs - term coverage of 20 years, or continuous coverage up to age 70, 80 or 100 years. In addition, your policy term will be auto-extended2 up to age 100 without the need to go through underwriting.
1Depending on the age and health condition of the Life Assured.
2You may be required to pay an additional premium. We will notify you of the extension and any additional premium required by giving you at least three (3) months' notice prior to the extension.
Coverage up to RM8 million sum assured for Total and Permanent Disability (TPD)
Supplementary TPD Income for 10 years
Infectious Disease Benefit
If you are diagnosed with any of the infectious disease listed in the table below before age 70, you will be entitled to a lump sum of RM10,000 per infectious disease diagnosed. Each infectious disease is only claimable once.
|Age 15 and below||Age 16 and Above|
|Hand Foot Mouth Disease||Typhoid Fever|
|Meningococcal Disease||Zika Virus|
|Mumps||Severe Acute Respiratory Syndrome (SARS)|
|Cholera||Nipah Virus Encephalitis|
|Tuberculosis||Influenze A - Avian Influenza A (H7N9) & (H5N1)|
Note: Please refer to policy contract for detailed definitions of the infectious diseases covered.
Life protection up to 500% of current sum assured (CSA)
Get up to 500% on your insurance coverage amount in the event of unfortunate incidents as listed below:
|Insurance Coverage Amount|
|100% of CSA||For Death and TPD due to all causes|
|200% of CSA||For Balik Kampung Accidental Death or TPD|
|300% of CSA||For Public Conveyance Accidental Death|
|400% of CSA||For Outside Malaysia Accidental Death|
|500% of CSA||For On-Board Flight Accidental Death|
Should any of the incidents above happen, the amount payable shall be the higher of Insurance Coverage Amount or Investment Account Value.
Additional sum assured of RM25,000 every 5 years
No-lapse Guarantee for first 5 years
Flexibility to choose premium payment terms
|5 years||10 years||20 years||Full policy term|
Rewards and investment opportunities
Options to enhance your coverage
o Payor Benefit Rider
o Critical Care Essential
o Critical Care Premium Waiver
You can be insured if you are between 30 days and 70 years old. However, the policyholder must be at least 16 years old.