Zurich Omni Health

OmniHealth

Staying healthy has never been more rewarding.

Zurich Omni Health is a comprehensive medical plan that rewards you when you stay healthy, besides covering your medical bills. Should you have a particular health setback at the point of purchasing this plan, Zurich Omni Health will help you get your health back on track.

Why should I choose this plan?

What benefits do I get?

With Zurich Omni Health, you can set out to live a full and enriching life knowing that we have got you covered.

No Claims Bonus gives you 10% cash back on the premiums paid

When you stay healthy, Zurich Omni Health rewards you with cash back1 on the premiums paid for your Zurich Omni Health plan. From the 2nd policy year onwards, the annual cash back1 is payable in the policy year if no claims were made in its preceding policy year. This gives you all the more reason to stay fit and healthy!


Z Wellness Care safeguards your wellbeing

Under Z Wellness Care, you can enjoy the following benefits:

  1. Wellness Reward Programme rewards you as you get better
    If you have health setbacks such as high cholesterol or being obese at the point of purchasing this plan2, you will be placed under the Wellness Reward Programme. Should your health condition improve by the end of the programme, we will reduce your premiums. So, now it’s more rewarding to eat right, exercise and get healthy.

    Here’s an example of how it can work:
    Mr. Peter, a 35-year old male who is a Finance Manager3, purchases the Zurich Omni Health’s Platinum plan with an annual premium of RM3,076.65. A health check indicates that his total cholesterol / HDL ratio is 6.9, which is above the normal range. Mr. Peter is therefore placed under the Wellness Reward Programme2 and given advice and guidance on how to live healthier and reduce his cholesterol level.

    Mr Peter follows the programme diligently and goes for the periodic assessments. At the end of the programme, his cholesterol level drops to a range that meets the Wellness Reward Programme’s requirements. As a result, his annual premium is reduced to RM2,385.00.
  2. Health Optimiser offers discounts to help you stay healthy
    To protect yourself against health plagues, you would get yourself vaccinated. Health Optimiser4 helps you along by making vaccinations more affordable. Staying healthy is now easier on your finances!

Mobile application that works like your handy personal assistant

Taking charge of your health is also more convenient with Zurich Omni Health. After purchasing this plan, you can download the MiCare MyMed mobile application to:

  • Purchase vaccinations offered through Health Optimiser4 at discounted rates. Locate the nearest panel clinics that offer the vaccinations.
  • Track your progress under the Wellness Reward Programme2. Receive reminders and locate the nearest panel clinics for health assessments.
  • Locate the nearest panel hospitals via its built-in Google Maps / Apple Maps feature.

Cashless facility that offers hassle-free hospital admission

Zurich Omni Health offers cashless facility, which makes your hospital admission hassle-free. In times of emergency, just show your medical card for speedy admission and medical attention at any of our panel hospitals. Upon hospital discharge, you only need to settle your co-insurance charges while we take care of the balance of the covered expenses in your bill.


The cash back payable in a given policy year is equivalent to 10% of the premiums paid (excluding the Goods and Services Tax) for your Zurich Omni Health plan in the preceding policy year. Terms and conditions apply.
Acceptance into this programme is subject to the underwriting requirements at the point of policy purchase and the Life Assured’s consent to the programme’s offer.
Finance Manager is classified under Occupational Class 2.
The Health Optimiser and mobile application features are non-guaranteed, and are subject to the agreement between Zurich Insurance Malaysia Berhad and its appointed third party service provider.

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

Schedule of Benefits

PLANS SILVER GOLD PLATINUM
BENEFITS RM
LIMITS
Overall Annual Limit (OAL) 100,000 150,000 200,000
Overall Lifetime Limit (OLL) 700,000 1,050,000 1,400,000
Out-Patient Kidney Dialysis Treatment Lifetime Limit (OKLL) 150,000 225,000 300,000
Out-Patient Cancer Treatment Lifetime Limit (OCLL) 200,000 300,000 400,000
HOSPITAL BENEFITS (Subject to OAL and OLL)
Daily Hospital Room & Board
(Limit per day; up to a maximum of 200 days per policy year)
180 260 350
As charged; subject to the limit stated above.
Intensive Care Unit / High Dependency Unit
(Up to a maximum of 60 days per policy year)
As charged. A co-insurance of 10% with a maximum of RM2,000 shall apply.
Hospital Supplies & Services
Surgical Fees
(For post-surgery care; within 60 days after discharge)
Anaesthetist Fees
Operating Theatre
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
(2 visits per day; up to a maximum of 200 days per policy year)
Post-Hospitalisation Treatment
(Within 60 days after discharge)
Ambulance Fees
OUT-PATIENT BENEFITS
Out-Patient Kidney Dialysis Treatment As charged; subject to OKLL.
A co-insurance of 10% with a maximum of RM2,000 shall apply.
Out-Patient Cancer Treatment As charged; subject to OCLL.
A co-insurance of 10% with a maximum of RM2,000 shall apply.
Out-Patient Physiotherapy Treatment
(Within 90 days after discharge/surgery)
As charged; subject to OAL and OLL.
A co-insurance of 10% with a maximum of RM2,000 shall apply.
Emergency Accidental Out-Patient Treatment (Within 72 hours after the accident; and follow-up treatment up to a maximum of 31 days after the accident)
OTHER BENEFITS (Subject to OAL and OLL)
Daily Cash Allowance at Government Hospital
(Up to a maximum of 200 days per policy year)
60 75 85
Guardian Benefit
(Maximum limit per disability)
250 300 400
As charged; subject to the limit stated above.
Medical Report Fees
(Maximum limit per disability)
120 120 120
As charged; subject to the limit stated above.
Home Nursing Care
(Maximum limit per disability)
750 1,000 1,500
As charged; subject to the limit stated above.
Goods and Services Tax (GST) As charged.
WELLNESS BENEFIT
No Claims Bonus Starting from the 2nd policy year onwards, a cash back of 10% of premiums paid (excluding GST) for Zurich Omni Health plan in the preceding policy year shall be payable, provided that no claims were made in that preceding policy year.

Note: The amount of benefits payable will be subject to medically necessary, reasonable and customary charges incurred for a covered disability.

Who is eligible for this plan?

Zurich Omni Health is a standalone non-participating medical plan that is available to anyone between 30 days attained age and 59 years last birthday.

Contact us.

Zurich Omni Health
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Are you an existing Zurich Insurance Malaysia policyholder?

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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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