Z-MedValue

Comprehensive coverage for every step along your life journey

Managing medical expenses does not have to be stressful. Together, we can navigate your health journey effectively.

In today's landscape, where medical costs in Malaysia are steadily increasing, being prepared with the right protection is essential. The unpredictability of health issues can lead to rising expenses that can strain your finances.

Introducing Z-MedValue, an affordable comprehensive medical plan that is designed to alleviate those concerns, offering you extensive coverage for hospitalization, surgeries, and outpatient treatments. Whether you're facing an unexpected illness or recovering from an accident, Z-MedValue provides the support you need to navigate your healthcare journey with confidence.

With Z-MedValue, you can take proactive steps to safeguard your health and finances. We are here to support you through unexpected medical challenges, allowing you to focus on what truly matters which is your well-being and recovery.

 

Affordable plan

Benefit from an affordable plan and extensive coverage for all your healthcare requirements with an annual and lifetime limit.

Tailored coverage just for you

Your health needs are unique, and so should be your coverage. Choose from our 3 customisable plans, each offering a variety of benefits and budget to match your specific requirements.

Customisable deductible options

(Applicable for Inpatient & Daycare Benefits Only)

You can start with a minimum deductible of RM500 for comprehensive medical coverage. If you prefer to reduce your costs, you can opt to increase your deductible to RM2,000 for greater savings

Second opinion for surgical procedures

Before undergoing surgery, seeking a second opinion from another specialist is essential. We understand the importance of informed decisions, so we will reimburse you for any consultation fees related to this process.

Coverage eligibility

This plan is open to all individuals between the ages of 30 days and 55 years. Enjoy the peace of mind knowing that you can renew your plan until you reach 80 years old.

Organ transplant benefit

We will reimburse your transplantation surgery if you are the recipient of a heart, kidney, lung, liver, or bone marrow.

Home nursing care coverage

Covered services include therapies and treatments for wounds, respiratory, diabetes care, colostomy care, tube feeding, injection and other medication administration.

Daily cash allowance at government hospital

You are eligible for a daily cash allowance for each day of confinement in a Malaysian Government Hospital due to a covered disability.

Covered child’s daily guardian benefit

You can claim reimbursement for meals and lodging expenses incurred while staying with your child (under 15 years old) in the hospital.

BenefitsPlan 1Plan 2Plan 3
Section A – Inpatient & Daycare Benefits
Hospital Room & Board (RM)110165200
(maximum 365 days per annum)
Intensive Care UnitAs Charged
(maximum 180 days per annum)
Hospital Supplies & ServicesAs Charged
Daycare ProceduresAs Charged
Surgical FeesAs Charged
Anesthetist’s FeeAs Charged
Operating Theatre FeeAs Charged
In-Hospital Physician VisitAs Charged
(maximum 2 visit)
Ambulance FeesAs Charged
Daily-Cash Allowance at Government Hospital (RM)100
(maximum 365 days per annum)
Insured Child's Daily Guardian Benefit (RM)250
(maximum per disability)
Medical Report Fees (RM)150
(maximum per disability)
Organ Transplant 
(Heart, Kidney, Lung, Liver or Bone Marrow)		As Charged
Tax on Eligible ExpensesAs Charged
Section B – Outpatient Benefits
Pre-Hospital Diagnostic TestsAs Charged
(within 60 days prior to hospitalisation)
Pre-Hospital Specialist ConsultationAs Charged
(within 60 days prior to hospitalisation)
Post Hospitalisation TreatmentAs Charged
(within 90 days from hospitalisation)
Emergency Accidental Outpatient TreatmentAs Charged
(within 24 hours and follow-up treatment to a maximum of 60 days)
Outpatient Physiotherapy Treatment5,00010,00015,000
(within 90 days from discharge)
Emergency Accidental Outpatient Dental Treatment (RM)4,000 (per accident)
Home Nursing Care (RM)4,000
(up to 180 days, lifetime maximum)
Second Surgical OpinionAs Charged
Section C – Deductible
Deductible (applicable to Section A only) (RM)500, with option to increase to 2,000 in return for lower premium
(per policy year)
Overall Annual Limit (RM)25,00050,00075,000
Lifetime Limit (RM)75,000150,000225,000

Anyone between 30 days old and 55 years old (age next birthday) are eligible to purchase Z-MedValue. This product is renewable up to 80 years old (age next birthday).

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Send An Enquiry

Locate Your Nearest Zurich Branch

Locate A Zurich Branch

Contact our Zurich Call Centre

1300-888-622

The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Insurance Malaysia's website or PIDM's website.