Zurich MegaMed

Zurich MegaMed

Mega solutions for your healthcare needs.

Zurich MegaMed is a unit deducting rider that you can add on to your basic regular premium investment-linked plan for higher medical protection and total peace of mind. With Zurich MegaMed, you not only enjoy high Annual Limit – you also benefit from invaluable additional feature, including protection against dengue fever, and overseas hospitalisation coverage.

Why should I choose this plan?

Zurich MegaMed - Protection

Protection Up To RM2.25 Million, No Lifetime Limit* Up To Age 100

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* until you're 100 years old.

*For Plan 2 and above only

Zurich MegaMed - Plans

Four Plans Designed With You In Mind

Everyone's needs are different, so choose any of the four plans that offer various features and premiums that might suit you best.

Zurich MegaMed - Outpatient Treatment

Out-Patient Kidney Dialysis and Cancer Treatment – As Charge Basis

If you're diagnosed with Kidney Failure or Cancer, rest assured that you'll be reimbursed for your medical treatment, based on your annual limit and lifetime limit.

Zurich MegaMed - Dengue Fever

Be Protected Against Dengue Fever

With Zurich MegaMed, 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.

Zurich MegaMed - Singapore Specialist Treatment

Receive Specialist 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 terms and conditions

Zurich MegaMed - Accidental Death Benefit

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.

Zurich MegaMed - Infectious Disease Benefit

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.

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.

Zurich MegaMed - Cashless Convenience

Cashless Convenience At Local Hospitals

Let our cashless facility ease your admission and discharge hassles. Just show your medical card at the counter to enjoy a much smoother hospital experience.

Zurich MegaMed - Emergency Assistance Programme

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.

For further details of terms and conditions, please request for Zurich MegaMed'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

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)
Out-Patient Dengue Fever Treatment
(max. limit per event)
1,600 2,100 2,800 3,800
Out-Patient Kidney Dialysis Treatment

As charged
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)
Overseas Medical Treatment in Singapore2
(max. limit per annum)
N/A N/A N/A 500,000
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

Goods and Services Tax (GST)
Accidental Death Benefit 10,000 20,000 30,000 40,000
Infectious Disease Benefit3 5,000 per Infectious Disease 10,000 per Infectious Disease
Emergency Assistance Programme In accordance with the benefit provisions in Emergency Assistance Programme agreement.

1 Out-Patient Dengue Fever Treatment, Accidental Death Benefit, Infectious Disease Benefit and Emergency Assistance Programme are not included into the Overall Limit.
2 The Company shall reimburse the charges payable (after converting to Ringgit Malaysia in accordance to the exchange rate on the day of discharge) for eligible expenses incurred in a rider 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 the limit of this benefit.
3 The Infectious Disease Benefit will cease when the Life Assured attains age 70.

Who is eligible for this plan?

Anyone between 30 days and 69 years old can attach the Zurich MegaMed rider to selected regular premium investment-linked insurance plan such as Zurich FlexiLife, Zurich FlexiLife Plus and Zurich TrueLady.

If you are a mother who have purchased the Flex Maternity Care rider and chose to exercise the Option To Purchase New Policy For Child, you can purchase this rider immediately after your child is born.

Contact us.

Zurich MegaMed

Are you an existing Zurich Insurance Malaysia policyholder?

I hereby allow Zurich Malaysia and/or its intermediaries to contact me on matters relating to this enquiry. For this purpose, Zurich General Insurance Malaysia Berhad, Zurich Life Insurance Malaysia Berhad, Zurich Takaful Malaysia Berhad and all other Zurich Insurance Group subsidiaries operating in Malaysia, are referred to as 'Zurich Malaysia'.

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