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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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Takaful MediCash

Supplementary income to ease your journey 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.

Takaful 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.

  • English
  • Bahasa Malaysia
  • 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 Takaful MediCash, a Monthly Accidental TPD Income Benefit up to RM2,000 per month will be payable to Person Covered 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 Certificate 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 Certificate 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 Person Covered.
    4 In the event there is no approved claim in the preceding Certificate Year, No Claim Discount equivalent to 20% of the contribution for current Certificate 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 via your servicing agent or 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 certificate 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 Certificate Contract
    3. Original Letter of Consent (4 copies)
    4. CTC of report of death abroad from National Registration Department (NRD) - if Person Covered died abroad
    5. Letter of Administration / Grant of Probate / Distribution Order (applicable for certificate 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 certificate 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 certificate 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 Certificate Contract
    6. CTC of Employment Termination Letter, if applicable

     

    C. Documents to be submitted if the disability is 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 Takaful Officer, Judge, Magistrate or Solicitors
    4. The list of required documents for Family Takaful 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.

    Contact our Zurich Call Centre


    Locate Your Nearest Zurich Branch


Zurich Takaful operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions paid. Tabarru’ (donation) will be deducted to the Participant Risk Investment Account (PRIA), where it will be used for mutual aid and assistance, based on the concept of Takaful. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus Sharing (if any) at the end of each financial year will be shared between the Participant and Zurich Takaful at a 50:50 ratio based on Hibah contract. The investment profit earned on the Participant Investment Account (PIA) is derived from the return on underlying assets and Zurich Takaful charges a Wakalah Tharawat Fee (Fund Management Fee) for managing these assets. The investment risk in PIA is fully borne by the Participant. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Tharawat Fee will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders.

  • Kenapa saya perlu pilih pelan ini?

    Kurangkan ketidaktentuan dalam kehidupan menerusi pelan ini.


    Manfaat Pendapatan Harian untuk Penghospitalan

    Kami akan memberi pampasan bagi menggantikan pendapatan anda semasa anda tidak dapat bekerja. Pampasan sehingga RM400 sehari akan dibayar semasa tempoh penghospitalan tanpa mengira jenis penyakit atau kecederaan. Selain itu, sekiranya anda perlu dimasukkan ke Unit Rawatan Rapi atau High Dependency Unit, anda akan menerima Manfaat Pendapatan Harian untuk Penghospitalan berganda. Pelan ini juga memberikan Manfaat Pendapatan Harian untuk Penghospitalan di luar negara.




    Elaun Ihsan

    Kurangkan ketidaktentuan dalam kehidupan menerusi pelan ini. Keluarga yang tersayang akan menerima Elaun Ihsan sehingga RM20,000 sekiranya anda tidak lagi berada di sisi mereka.

     

     


    Diskaun Tiada Tuntutan

    Dapatkan ganjaran Diskaun Tiada Tuntutan sebanyak 20% ke atas caruman apabila anda tidak membuat tuntutan dalam tempoh satu (1) tahun yang lepas.

     

     


    Manfaat Pendapatan Bulanan untuk Hilang Upaya Keseluruhan dan Kekal (HUKK) akibat Kemalangan

    Cabaran hidup adalah sukar untuk dijangka tetapi anda boleh menyediakan payung sebelum hujan. Dengan Takaful MediCash, Manfaat Pendapatan Bulanan untuk HUKK akibat Kemalangan sehingga RM2,000 sebulan akan dibayar kepada Orang Yang Dilindungi yang mengalami HUKK akibat Kemalangan.

  • Apakah pelan dan perlindungan yang terbaik untuk saya?

    Anda boleh pilih salah satu daripada pelan berikut untuk memenuhi keperluan anda.



    Manfaat Pelan 100 Pelan 200
    Pendapatan Harian1
    Manfaat Pendapatan Harian untuk Penghospitalan RM100 sehari RM200 sehari
    Manfaat Pendapatan Harian untuk Penghospitalan di Unit Rawatan Rapi (ICU) atau High Dependency Unit (HDU) atau di hospital luar negara RM200 sehari RM400 sehari
    Pendapatan Bulanan
    Manfaat Pendapatan Bulanan untuk Hilang Upaya Keseluruhan dan Kekal (HUKK) akibat Kemalangan2
    (Sehingga 120 bulan bagi setiap Sijil)
    RM1,000 sebulan RM2,000 sebulan
    Elaun Ihsan3
    Elaun Ihsan RM10,000 RM20,000
    Diskaun Tiada Tuntutan4
    Diskaun Tiada Tuntutan 20% Caruman Tahun Sijil Semasa


    Nota:
    1Manfaat yang dibayar adalah tertakluk kepada:
    i. Had gabungan 4 kali kemasukan Hospital setiap Ulang Tahun Sijil dan 730 hari bagi penginapan di hospital sepanjang tempoh perlindungan.
    ii. Manfaat Pendapatan Harian untuk Penghospitalan akan dibayar bagi setiap hari penginapan di hospital sehingga 60 hari bagi setiap Tahun Sijil.
    iii. Manfaat Pendapatan Harian untuk Penghospitalan di  Unit Rawatan Rapi (ICU) atau High Dependency Unit (HDU) atau di hospital luar negara akan dibayar bagi setiap hari Penginapan di Hospital sehingga 60 hari bagi setiap Tahun Sijil.
    iv. Manfaat Pendapatan Harian untuk Penghospitalan tidak akan dibayar untuk tempoh berada di hospital yang sama di mana Manfaat Pendapatan Harian untuk Penghospitalan di Unit Rawatan Rapi (ICU) atau High Dependency Unit (HDU) atau di hospital luar negara dibayar.

    2 Manfaat ini akan dibayar sehingga 120 bulan sekiranya berlaku Hilang Upaya Keseluruhan dan Kekal (HUKK) ke atas Orang Yang Dilindungi dalam masa 365 hari selepas tarikh Kemalangan. Semua manfaat dan caruman di bawah pelan ini akan ditamatkan sebaik sahaja selepas dengan segera selepas permulaan tarikh HUKK akibat Kemalangan.
    3 Elaun Ihsan akan dibayar secara sekali gus apabila Orang Yang Dilindungi meninggal dunia.
    4 Sekiranya tiada tuntutan diluluskan dalam Tahun Sijil yang lepas, Diskaun Tiada Tuntutan bersamaan 20% caruman bagi caruman Tahun Sijil semasa akan diberikan.

     

  • Apakah syarat kelayakan menyertai pelan ini?
    Pelan ini terbuka untuk sesiapa yang berumur antara 18 tahun hingga 50 tahun (tarikh lahir yang sebelum).
  • Bagaimanakah cara untuk membuat penamaan penerima manfaat?
    Untuk menamakan penerima manfaat, sila isi Borang Penamaan dan hantar borang ini ke cawangan Zurich yang berdekatan
  • Bagaimanakah cara untuk membuat tuntutan?

    Langkah 1

    submit

    Sediakan dokumen-dokumen yang diperlukan seperti yang dinyatakan di bawah.

    Langkah 2

    Step 2

    Lengkapkan borang-borang yang berkenaan dan dapatkan doktor anda untuk lengkapkan borang Pernyataan Doktor (jika berkenaan).

    Langkah 3

    full documents

    Pastikan semua borang telah dilengkapkan dan hantar ke cawangan Zurich yang berdekatan.

    Langkah 4

    Email

    Semak status tuntutan anda dengan menghubungi kami di 1-300-888-622 atau hantarkan pertanyaan anda kepada kami.

    • Penghospitalan
    • Kematian
    • Hilang Upaya Keseluruhan dan Kekal (HUKK)

    A. Dokumen-dokumen yang diperlukan:
    1. Borang Kenyataan Penuntut
    2. Salinan Diakui Sah (CTC) - Kad Pengenalan Baru / Pasport / Kad Residen Penuntut
    3. Borang Kenyataan Doktor (Tuntutan Kemalangan & Kemasukan Hospital) (bagi jumlah tuntutan melebihi RM500 atau tempoh sijil kurang daripada 2 tahun daripada Tarikh Pengeluaran atau Tarikh Kuatkuasa Semula, mana yang kemudian.)
    4. Salinan Diakui Sah  - Nota/Ringkasan Kemasukan dan Pelepasan/ Bil/Invois Hospital

    B. Dokumen-dokumen tambahan (jika ada):
    1. Salinan Diakui Sah  -  Laporan Imbasan MRI, X-ray, CT atau Laporan Radiologi/Perubatan yang lain

     

    A. Dokumen-dokumen yang diperlukan:
    1. Borang Kenyataan Penuntut
    2. Salinan Diakui Sah (CTC) - Kad Pengenalan Baru / Pasport / Kad Residen Penuntut
    3. Salinan Diakui Sah - Sijil Kematian

     

    B. Dokumen-dokumen tambahan (jika ada):
    1. Salinan Diakui Sah -  Sijil Perkahwinan (jika penuntut adalah pasangan) atau Sijil Kelahiran Penuntut (jika penuntut adalah anak) atau Sijil Kelahiran Si Mati (jika penuntut adalah ibu bapa) sebagai Bukti Hubungan
    2. Kontrak Polisi asal
    3. Surat Kebenaran asal  (4 salinan)
    4. Salinan Diakui Sah - Laporan kematian di luar negara dari Jabatan Pendaftaran Negara (JPN) – jika Orang yang Dilindungi meninggal di luar negara
    5. Surat Pentadbiran / Pemberian Probet / Perintah Pengedaran (bagi polisi tanpa pencalonan)
    6. Salinan Diakui Sah - Kad Pengenalan Baru / Pasport / Kad Residen Si Mati

     

    C. Dokumen-dokumen yang perlu dilengkapkan jika kematian akibat penyakit atau sebab semulajadi:
    1. Borang Kenyataan Doktor

     

    D. Dokumen-dokumen yang perlu dihantar jika kematian akibat kemalangan:
    1. Salinan Diakui Sah - Laporan Post Mortem / Koroner (bagi tempoh polisi kurang daripada 5 tahun daripada Tarikh Pengeluaran atau Tarikh Kuatkuasa Semula, mana yang kemudian)
    2. Salinan Diakui Sah - Laporan Toksikologi, jika ada
    3. Salinan Diakui Sah - Laporan Polis
    4. Potongan Akhbar, jika ada (sila terjemahkan kepada Bahasa Inggeris atau Bahasa Malaysia jika artikel asal adalah dalam bahasa berlainan)

     

    A. Dokumen-dokumen yang diperlukan:
    1. Borang Kenyataan Penuntut
    2. Salinan Diakui Sah (CTC) Kad Pengenalan Baru / Pasport / Kad Residen Penuntut
    3. Borang Tuntutan Hilang Upaya Kekal (Bahagian B - Kenyataan Doktor)
    4. Laporan Pemeriksaan Neurologi

     

    B. Dokumen-dokumen tambahan (jika ada):
    1. Salinan Diakui Sah - Laporan Kesihatan berkenaan yang lain
    2. Salinan Diakui Sah- Surat Pengeluaran KWSP, jika berkenaan
    3. Salinan Diakui Sah - Surat Tawaran SOCSO/ SOCSO “Keputusan Jemaah Doktor Mengenai Keilatan”, jika berkenaan
    4. Surat Kebenaran asal  (4 salinan)
    5. Kontrak Polisi asal
    6. Salinan Diakui Sah -  Surat Penamatan Pekerjaan, jika berkenaan

     

    C. Dokumen-dokumen yang perlu dihantar jika hilang upaya akibat kemalangan:
    1. Salinan Diakui Sah - Laporan Polis
    2. Potongan Akhbar, jika ada (sila terjemahkan kepada Bahasa Inggeris atau Bahasa Malaysia jika artikel asal adalah dalam bahasa berlainan)

    Jika anda ingin hubungi kami tentang tuntutan anda atau ada sebarang pertanyaan, sila hubungi kami di 1-300-888-622 atau hantarkan pertanyaan anda kepada kami.

    Important Notes:
    1. CTC – Certified True Copy (Salinan Diakui Sah)
    2. Untuk memudahkan pemprosesan, sila hantarkan semua dokumen yang diperlukan kepada kami.
    3. Salinan dokumen-dokumen mesti disahkan oleh Pegawai Zurich Takaful/ Hakim/ Majistret/ Peguamcara.
    4. Senarai dokumen keperluan bagi Tuntutan Takaful berfungsi sebagai garis panduan bagi penghantaran tuntutan. Syarikat berhak untuk meminta maklumat atau dokumen lanjut jika perlu.
     

  • Di manakah saya boleh mendapat lebih maklumat?
  • Hubungi kami.

    Hubungi Zurich Call Center


    Cari Cawangan Zurich yang Berhampiran


Zurich Takaful beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibayar. Jumlah Tabarru’ akan dimasukkan ke dalam Akaun Pelaburan Risiko Peserta (APRP / Participant Risk Investment Account) di mana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar daripada APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan Zurich Takaful mengikut nisbah 50:50 berdasarkan kontrak Hibah. Keuntungan daripada pelaburan yang diperolehi daripada Akaun Pelaburan Peserta (APP / Participant Investment Account) adalah berdasarkan kepadaaset yang disandarkan dan Zurich Takaful akan mengenakan bayaran Yuran Wakalah Tharawat (Yuran Pengurusan Dana) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.



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