This website is best viewed in Internet Explorer 11, or the latest versions of Google Chrome, Firefox and Safari. Use of this website with older browsers may result in the inability to use the site or view the site correctly.

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!

    • Protect the environment. Think before you print.

Personal Sentinel V3

Essential protection for your safety.

At Zurich, we know how important it is to protect yourself so that you don't have to burden your loved ones with the rising cost of medical bills. With Personal Sentinel V3, enjoy greater protection for as low as RM0.39/day through our comprehensive personal accident protection plan that covers you for you to live your life on your own terms.

  • What benefits do I get?

    Accidental Medical Coverage

    Get up to RM15,000 of accidental medical coverage.

    Traditional Treatment

    Annual traditional treatment reimbursement up to RM1,000.

    Double Indemnity

    Double indemnity cover for e-hailing services (e.g. Grab).

    Cashless Admission

    Cashless admission & discharge from hospitals for accidents.

    Renewal Bonus

    Enjoy Renewal Bonus up to 150% and no impact to your Renewal Bonus when a claim is made!

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



    PLAN 1

    PLAN 2

    PLAN 3

    PLAN 4

    PLAN 5

    PLAN 6

    PLAN 7

    A Accidental Death 50,000 100,000 200,000 300,000 500,000 750,000 1,000,000
    B Accidental Permanent Disablement 50,000 100,000 200,000 300,000 500,000 750,000 1,000,000

    Double Indemnity

    *Death on public conveyance

    *Death on Grab, or e-hailing services

    *Total Paralysis or Quadriplegia

    *Death due to fire at own residence


    50,000 100,000 200,000 300,000 500,000 750,000 1,000,000
    D Accidental Medical Expenses 5,000 6,000 6,500 7,500 10,000 12,000 15,000

    *Medical and Post-mortem Report Fees


    *Traditional Treatment

    RM50 per visit, up to a maximum of 500 RM50 per visit, up to a maximum of 1000
    D3 *Dengue Fever, Malaria & Japanese Encephalitis 5,000 6,000 6,500 7,500 10,000 12,000 15,000

    *Ambulance Fees

    D5 *Cashless Hospital Admission 5,000 6,000 6,500 7,500 10,000 12,000 15,000
    E Weekly Benefit (optional)
    E1 *Temporary Total Disablement 50 100 120 150 250 350 500
    E2 *Temporary Partial Disablement 25 50 60 75 125 175 250
    F Daily Hospital Income 90 90 90 120 180 200 250
    G Death due to Zika or Chikungunya 10% of Principal Sum Insured
    H Death due to Dengue, Malaria, Japanese Encephalitis 10% of Principal Sum Insured
    I Emergency Cash 5,000
    J Prosthesis / Wheelchair - Permanent Total Disablement 2,500
    K Prosthesis / Wheelchair - Partial Disablement 250
    L Dental Correction or Corrective Cosmetic Surgery 5,000
    M Kidnap Benefits 5,000 for expenses and 25,000 for reward
    N Blood Transfusion 10% of Principal Sum Insured
    O Permanent Impotency or Infertility 10% of Principal Sum Insured
    P Personal Liability 2 times of Principal Sum Insured
    Q Renewal Bonus 15% per year on Principal Sum Insured, up to a maximum of 150%
    R Referral Emergency Assistance Programme Up to USD1,000,000


    *Please refer to the policy contract for the benefits description under this policy.

    *Duration of cover is for one year. You need to renew your insurance cover annually.

    *The total amount payable for benefit D1 to D5 shall not exceed the limit of benefit D.

  • Who is eligible for this plan?
    Personal Sentinel Version 3 covers anyone between the ages of 30 days old and 65 years old, and is renewable up to 80 years old.
  • Where can I get more information?
  • Contact us.

    Meet a Zurich Insurance Agent

    Locate Your Nearest Zurich Branch

    Locate Your Nearest Zurich Branch

    Contact Our Zurich Call Centre

You might also be interested in:

Zurich ValueLife

Safeguarding life's precious moments.


Protects you and your loved ones on the road.