Compare the 2 plans below in terms of health benefits. Assuming I don't care about the premium, which plan is more comprehensive?

1st PLan:
Medical Insurance
Medical Insurance
2
ZURICH
Z-MedProtect
Comprehensive solutions for your healthcare needs
Comprehensive solutions for your healthcare needs

Just focus on getting well,
we will take care of the rest!
Illnesses and accidents are part and parcel of our lives. No one can ever be too
prepared for these mishaps, and the last thing you want to worry about is how much
it will cost you should anything happen.
Hospitalisation charges, surgical treatments, medication, examination and
consultation fees all added up could be financially exhausting for many. While the
rise of medical costs cannot be prevented, it is only wise to have a solution to put a
stop to these worries.
At Zurich, we have taken note of your concern and that is why we designed
Z-MedProtect, a yearly renewable medical insurance with comprehensive coverage
that covers your medical bills, ensuring you and your loved ones total peace of mind
and will not be financially burdened.
Don't worry!
We have got you covered!
High Overall Annual Limit, No Lifetime Limit
Enjoy high Overall Annual Limit up to RM2,000,000 to help you get through
your every healthcare need.
Flexible and Customisable Plan
Everyone’s needs are different, so choose any of the 5 plans that offer
various features and premiums that suit you best.
Guaranteed Renewable up to 100 years old
Enjoy the rewards of a well-lived life with continuous coverage into your
golden age.
Deductible Option (Applicable for Section A - Inpatient & Daycare Benefits)
Flexibility to choose from 4 Deductible Options to manage your medical
expenses and enjoy premium discount up to 50%.
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No Claim Bonus
Staying healthy is always rewarding! Get 10% premium discount on your
next renewal policy if you do not file a claim during the preceding year.
Multiple Insured Person Discount
We understand that you need to provide and care for your loved ones.
Enjoy up to 10% premium discount when you insure your parent, spouse
or children in the same policy!
Unlimited In-Hospital Physician Visits
Get extensive care from your attending in-hospital physicians while you are
focusing on recovery.
Second Opinion for Surgeries
In some cases, it may be necessary to seek another specialist to obtain a
second opinion prior to a surgery. To ease your mind, we will reimburse you
the charges incurred for the consultation.
Organ Transplant
We will reimburse you charges incurred on the transplantation surgery if you
are the recipient of a Heart, Kidney, Lung, Liver or Bone Marrow.
Hassle-free Hospital Admission
In an emergency, just show your medical card or e-medical card for speedy
admission and medical attention at any of our panel hospitals nationwide.
Accidental Death or Permanent Disablement Benefit
Extra financial security with additional RM50,000 on top of the Overall
Annual Limit in the unfortunate event of Accidental Death or Permanent
Disablement.
Funeral Expenses
Providing your loved ones with a lump sum of RM2,000 to supplement the
final expense of your life, so no burden is left when you are no longer
around to care for them.
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Schedule of Benefits
Z-MedProtect is available in 5 plans that cater to different needs and budget.
Here are the full schedule of benefits of each plan:
Beneﬁts
Overall Annual Limit
For Section A & Section B
No Claim Bonus
Section A – Inpatient & Daycare Beneﬁts
Hospital Room & Board
Intensive Care Unit
Hospital Supplies & Services
Daycare Procedures
Surgical Fees
Anaesthetist’s Fee
Operating Theatre Fee
In-Hospital Physician Visit (unlimited)
Ambulance Fees
Daily-Cash Allowance At Government Hospital
Insured Child’s Daily Guardian Beneﬁt
Medical Reports Fees
Organ Transplant
(Heart, Kidney, Lung, Liver or Bone Marrow)
Tax on Eligible Expenses
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Limit (RM)
100,000 300,000 500,000 1,000,000 2,000,000
Reduction of 10% on renewal premium
(if no claims made)
100 150 180 200
(maximum 365 days per annum)
As Charged (maximum 180 days per annum)
As Charged
As Charged
As Charged
As Charged
As Charged
As Charged
As Charged
100 (maximum 365 days per annum)
250 (maximum per disability)
150
As Charged
As Charged
500
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Beneﬁts
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Limit (RM)
Section B – Outpatient Beneﬁts
Pre-Hospital Diagnostic Tests
Pre-Hospital Specialist Consultation
Post Hospitalisation Treatment
Emergency Accident Outpatient Treatment
Outpatient Physiotherapy Treatment
Outpatient Kidney Dialysis Treatment
Outpatient Cancer Treatment
Emergency Accident Outpatient Dental
Treatment
Home Nursing Care
Second Surgical Opinion
As Charged (within 60 days prior to hospitalisation)
As Charged (within 60 days prior to hospitalisation)
As Charged (within 90 days from hospitalisation)
As Charged (within 24 hours and follow-up
treatment to a maximum of 60 days)
As Charged (within 90 days from discharge)
As Charged
As Charged
4,000 (per accident)
4,000 (up to 180 days, lifetime maximum)
As Charged
Section C – Special Beneﬁts (Additional Limit On Top Of The Overall Annual Limit)
Accidental Death And Permanent Disablement
50,000
International Emergency Medical Evacuation
and Repatriation
Funeral Expenses (All Causes)
Section D - Optional
Deductible (Per Any One Disability)
Applicable for Section A Only
50,000 (maximum per annum)
2,000
Option A B C D
Deductible Amount 0 5,000 10,000 20,000
Premium Discount 0% 15% 30% 50%
4

Birthday
Annual Premium
Male Female Male Female Male Female Male Female Male Female
Age
Next
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Annual Premium (RM)
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
1,038 1,020 1,145 1,127 1,213 1,195 1,313 1,295 1,905 1,888
982
965 1,082 1,065 1,146 1,129 1,241 1,224 1,799 1,783
913
848
772
717
672
632
599
576
559
547
543
544
555
578
579
584
589
594
608
617
626
636
656
675
693
711
729
749
773
790
807
824
852
886
909
930
948
964
896 1,007 990 1,066 1,049 1,154 1,137 1,671 1,655
831 934 917
989
755 850 833
699 789 771
655 740 722
615 695 677
581 658 640
505 633 557
465 614 512
455 601 500
451 595 496
452 597 498
462 609 508
478 634 525
479 634 526
483 640 530
487 645 535
492 651 540
504 666 554
512 676 562
520 686 571
556 697 611
574 719 631
593 740 652
610 760 670
627 781 689
676 800 743
695 822 764
711 848 782
727 867 800
743 886 818
759 904 836
786 935 865
900
835
782
735
696
669
649
972 1,069 1,053 1,548 1,531
883 973
817 903
765 845
717 794
678 752
589 722
541 700
956 1,406 1,390
885 1,304 1,286
828 1,218 1,201
776 1,143 1,126
734 1,081 1,063
637 1,037 921
585 1,004 843
635 529 685 572
629 525 679 567
631 526 681 569
644 537 695 580
669
555 721
669
675
681
687
703
714
725
735
759
781
803
825
846
869
896
916
936
956
988
556 721
561 728
566 734
571 741
585 757
594 769
604 781
646 793
668 818
689 842
709 866
729 890
786 912
809 938
828 967
847 988
981
973
976
996
824
817
820
837
600 1,028 861
600 1,029 861
605 1,038 869
611 1,047 877
616 1,058 886
631 1,079 905
642 1,097 920
652 1,114 935
698 1,132 1,003
721 1,169 1,037
744 1,204 1,070
766 1,239 1,102
787 1,274 1,133
850 1,307 1,225
874 1,344 1,260
895 1,383 1,291
915 1,415 1,321
866 1,010 936 1,447 1,351
885 1,031 956 1,478 1,381
916 1,067 990 1,530 1,431
821 972 903 1,027 956 1,108 1,033 1,587 1,488
843 998 928 1,054 981 1,138 1,061 1,630 1,529
863 1,020 949 1,079 1,005 1,164 1,086 1,669 1,566
880 1,041 968 1,100 1,025 1,187 1,108 1,703 1,598
895 1,058 985 1,118 1,042 1,207 1,127 1,733 1,626
41 1,003 969 1,099 1,065 1,160 1,127 1,250 1,217 1,784 1,751
42 1,015 981 1,112 1,079 1,174 1,141 1,266 1,232 1,807 1,773
43 1,074 1,040 1,178 1,144 1,244 1,210 1,342 1,308 1,918 1,884
44 1,135 1,101 1,245 1,211 1,315 1,281 1,419 1,385 2,031 1,997
45 1,197 1,163 1,314 1,280 1,389 1,355 1,498 1,464 2,148 2,114
46 1,240 1,206 1,359 1,325 1,434 1,401 1,546 1,512 2,205 2,171
47 1,281 1,247 1,404 1,370 1,482 1,448 1,598 1,564 2,282 2,248
48 1,339 1,305 1,469 1,435 1,551 1,517 1,673 1,639 2,391 2,357
49 1,430 1,461 1,569 1,607 1,658 1,700 1,789 1,837 2,562 2,649
50 1,537 1,573 1,688 1,732 1,784 1,832 1,926 1,981 2,763 2,860
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Age
Next
Birthday
Plan 1
Plan 2
Annual Premium (RM)
Plan 3
Plan 4
Plan 5
Male Female Male Female Male Female Male Female Male Female
51 1,657 1,686 1,815 1,852 1,916 1,958 2,064 2,114 2,944 3,037
52 1,748 1,781 1,916 1,958 2,023 2,070 2,181 2,236 3,114 3,216
53 1,864 1,904 2,044 2,093 2,160 2,214 2,329 2,392 3,332 3,445
54 2,011 2,058 2,207 2,264 2,333 2,396 2,517 2,590 3,608 3,735
55 2,194 2,251 2,410 2,478 2,548 2,623 2,751 2,836 3,952 4,097
56 2,601 2,436 2,854 2,676 3,015 2,829 3,252 3,054 4,654 4,387
57 2,891 2,580 3,174 2,835 3,355 2,998 3,622 3,238 5,198 4,657
58 3,121 2,788 3,430 3,065 3,626 3,243 3,916 3,504 5,630 5,047
59 3,387 3,028 3,724 3,332 3,940 3,525 4,256 3,811 6,129 5,498
60 3,690 3,301 4,059 3,634 4,295 3,846 4,642 4,159 6,695 6,009
61 4,157 3,707 4,563 4,073 4,822 4,306 5,203 4,650 7,458 6,682
62 4,526 4,039 4,971 4,440 5,256 4,696 5,674 5,073 8,151 7,304
63 4,922 4,397 5,410 4,837 5,721 5,117 6,180 5,531 8,893 7,975
64 5,357 4,791 5,892 5,273 6,234 5,581 6,736 6,034 9,710 8,715
65 5,849 5,237 6,438 5,767 6,813 6,106 7,365 6,604 10,633 9,551
66* 6,709 6,065 7,363 6,655 7,780 7,032 8,394 7,586 12,025 10,866
67* 7,191 6,504 7,896 7,141 8,346 7,548 9,009 8,146 12,929 11,688
68* 7,686 6,954 8,445 7,640 8,929 8,078 9,642 8,722 13,858 12,534
69* 8,192 7,416 9,006 8,151 9,525 8,621 10,289 9,312 14,809 13,400
70* 8,754 7,928 9,628 8,719 10,186 9,224 11,007 9,967 15,864 14,361
71* 9,708 8,791 10,639 9,634 11,234 10,172 12,109 10,964 17,283 15,649
72* 10,250 9,285 11,240 10,181 11,871 10,753 12,801 11,595 18,301 16,576
73* 10,802 9,789 11,852 10,740 12,521 11,346 13,507 12,239 19,338 17,523
74* 11,366 10,303 12,476 11,310 13,185 11,952 14,228 12,897 20,397 18,489
75* 11,990 10,874 13,168 11,942 13,920 12,624 15,026 13,627 21,570 19,561
76* 13,322 11,959 14,562 13,084 15,354 13,802 16,520 14,860 23,414 21,114
77* 13,915 12,503 15,220 13,687 16,053 14,443 17,279 15,555 24,530 22,136
78* 14,520 13,056 15,890 14,301 16,764 15,095 18,052 16,263 25,667 23,177
79* 15,135 13,621 16,572 14,926 17,489 15,759 18,839 16,985 26,824 24,238
80* 15,823 14,254 17,335 15,627 18,300 16,504 19,720 17,794 28,119 25,427
81* 16,460 14,839 18,040 16,276 19,049 17,193 20,534 18,542 29,317 26,527
82* 17,107 15,434 18,758 16,936 19,811 17,894 21,362 19,304 30,534 27,647
83* 17,765 16,040 19,487 17,607 20,586 18,607 22,203 20,078 31,771 28,785
84* 18,432 16,655 20,226 18,288 21,371 19,330 23,056 20,865 33,026 29,941
85* 19,186 17,351 21,062 19,059 22,259 20,150 24,021 21,755 34,445 31,249
86* 19,873 17,985 21,823 19,762 23,068 20,897 24,900 22,566 35,738 32,442
87* 20,569 18,629 22,595 20,475 23,887 21,654 25,790 23,389 37,047 33,651
88* 21,274 19,281 23,376 21,199 24,718 22,422 26,692 24,223 38,373 34,878
89* 21,989 19,943 24,168 21,932 25,559 23,201 27,606 25,070 39,717 36,122
90* 22,807 20,702 25,075 22,773 26,523 24,095 28,653 26,040 41,257 37,548
91* 23,539 21,381 25,886 23,525 27,384 24,894 29,589 26,908 42,633 38,824
92* 24,279 22,069 26,706 24,287 28,255 25,704 30,536 27,788 44,025 40,117
93* 25,027 22,765 27,536 25,059 29,137 26,523 31,493 28,678 45,433 41,426
94* 25,783 23,469 28,373 25,839 30,027 27,351 32,460 29,578 46,855 42,748
95* 26,664 24,290 29,349 26,748 31,064 28,318 33,587 30,628 48,512 44,292
96* 27,435 25,009 30,204 27,545 31,971 29,165 34,573 31,547 49,962 45,643
97* 28,298 25,737 31,160 28,352 32,987 30,021 35,675 32,478 51,580 47,012
98* 29,185 26,471 32,143 29,166 34,030 30,886 36,809 33,418 53,244 48,393
99* 30,087 27,214 33,141 29,989 35,091 31,760 37,960 34,367 54,935 49,788
100* 31,004 27,964 34,157 30,820 36,169 32,643 39,131 35,326 56,654 51,198
*On renewal basis only
6

Note:
• The annual premiums shown in the table above are applicable to standard risks and occupation classes
1 and 2 only. For occupation class 3, 15% loading is applicable.
• The total premium payable will vary depending on the occupational class, health condition and the plan
selected you have selected.
• Premiums are payable at the premium rate according to your age next birthday on each policy year
anniversary.
• The company reserves the right to change the rate at which premium shall be calculated, at the start of
any policy year, provided that policyholders are notified at least thirty (30) days in advance of the date
such premium is due.
• All policies may be subject to 6% Sales and Service Tax (SST) and RM10 Stamp Duty.
Frequently Asked Questions
Q. What is Z-MedProtect?
A. Z-MedProtect is a yearly-renewal medical insurance policy with comprehensive coverage for
hospitalisation and surgical expenses incurred due to illnesses. It also provides coverage for bodily
injuries, disablement or death.
Q. Who is eligible for Z-MedProtect?
A. Anyone between 30 days old and 65 years old (age next birthday) are eligible to purchase
Z-MedProtect. This product is renewable up to 100 years old (age next birthday).
Q. What are the available plans to choose from?
A. Z-MedProtect is available in 5 plans. You have the flexibility to choose the plan that suits your health
care needs and budget.
Q. How long is the coverage duration of Z-MedProtect?
A. The duration of cover is one (1) year, you will need to renew your policy annually.
Q. How does the Deductible works in Z-MedProtect?
A. The deductible is a monetary sum that shall be deducted from the eligible expenses incurred under
Section A on per any one disability basis when you are admitted to any private hospital. However, the
eligible expenses incurred will not be subject to the deductible amount if you are admitted to any
Malaysian government hospital.
It is an optional benefit in Z-MedProtect. By enabling the Deductible, you will enjoy a premium
discount up to 50% on your total premium, depending on the option you selected.
Q. Can a foreigner purchase Z-MedProtect?
A. Z-MedProtect is open to any Malaysian, or any foreigner who has a valid work permit, student permit,
permanent resident status or Malaysia My Second Home (MM2H) status.
7

Q. Can I purchase Z-MedProtect for my whole family?
A. Yes, you can purchase Z-MedProtect for your parents, spouse or children.
Depending on the number of family members you would like to include, you are entitled to Multiple
Insured Person Discount up to 10% of your total premium.
The policy will be issued as a group family policy. However, the premium will be charged individually
with one-time stamp duty fee.
Q. How do you classify Occupation?
A. Occupations are classified into 3 classes as follows:
Occupation Class 1
Persons engaged in professional administrative, managerial, clerical and non-manual occupations
Occupation Class 2
Persons engaged in work of supervisory nature but not involved in manual labour
Occupation Class 3
Persons engaged either occasionally or generally in manual work which involves the use at tools or
machinery
Q. What are the key terms and conditions that I should be aware of?
A. Portfolio Withdrawal - The company reserves the right to cancel the portfolio as a whole if the
company decides to discontinue underwriting this insurance product. Cancellation of the portfolio as a
whole shall be given by reasonable written notice in advance with valid reasons to you and the
company will run off all policies to expiry of the period of cover within the portfolio.
Co-payment (Sub-standard policy only) - Co-payment borne by you under cost-sharing or
coinsurance terms shall not exceed twenty percent (20%) of the claimable expenses (i.e. excluding
Deductibles) per Disability, subject to an absolute maximum limit of Ringgit Malaysia Three Thousand
(RM3,000) (inclusive of Deductibles) per Disability.
Note: Please refer to the policy wording for full list of terms and conditions under this product.
8

Exclusions
This product does not cover any hospitalisation, surgery or charges incurred directly or indirectly, wholly or
partly, by any one (1) of the following occurrences:
Section A - Inpatient & Daycare Benefits and
Section B - Outpatient Benefits
1. Pre-existing condition
2. Specified illnesses occurring during the first one hundred and twenty (120) days of continuous cover
3. Waiting period of thirty (30) days for all except accidental injuries
4. Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care
5. Epidemic and/or pandemic
Section C – Special Benefits
1. Pre-existing condition
2. War, civil war
3. Suicide while sane or insane
4. Provoked murder or assault
Note: This exclusion list is not exhaustive. Please refer to the policy wording for the full list of exclusions
under this product.
Important Notes
1. The brochure is for illustrative purposes only. For further details of terms and conditions, please refer
to product disclosure sheet and policy wording.
2. You should satisfy yourself that this policy best serves your needs and the premium payable under
the policy is an amount you can afford.
3. You may cancel your policy by returning the policy to us within fifteen (15) days after the policy has
been delivered to you. The premium that you have paid (after deducting any medical expenses
incurred) will be refunded to you provided there is no claim incurred on the policy.
4. The premium for this product is not guaranteed and shall be based on the premium rates in-force at
the time of renewal.
5. No benefit is payable for any medical treatment received by insured person outside Malaysia if the
insured person resides or travels outside Malaysia for more than ninety (90) consecutive days.
6. All premiums and fees shown may be subject to tax or other government levies.
For more information and assistance on Z-MedProtect, please contact our agents or Zurich Call Centre at
1-300-888-622 or email us at <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
In the event of discrepancy, ambiguity and conflict in interpreting any terms or conditions, the English
version shall prevail and supersede the Bahasa Malaysia version.
9

Utamakan penyembuhan anda,
kami akan menjaga yang lain!
Penyakit dan kemalangan adalah sebahagian daripada hidup kita. Tiada sesiapa pun yang
boleh menyediakan pencegahan yang sempurna untuk kecelakaan, dan perkara terakhir yang
anda perlu risaukan adalah kos yang harus ditanggung sekiranya berlaku sebarang kejadian
yang tidak diingini.
Caj penghospitalan, rawatan pembedahan, ubat-ubatan, pemeriksaan kesihatan dan yuran
perundingan perubatan boleh menjadi sebuah bebanan untuk ramai individu jika semua kos
tersebut digabungkan. Kenaikan kos perubatan tidak boleh dielakkan, oleh itu amat
digalakkan untuk anda mencari sebuah penyelesaian untuk mengurangkan kerisauan yang
timbul disebabkan oleh bebanan kewangan.
Di Zurich, kami mendengar keluhan anda dan telah menghasilkan sebuah pelan insurans
perubatan komprehensif yang boleh diperbaharui setiap tahun, Z-MedProtect. Pelan ini
merangkumi bil perubatan anda supaya anda dan insan tersayang tidak perlu mengharungi
bebanan kewangan dan boleh mendapat ketenangan minda yang berterusan.
Jangan risau!
Kami akan melindungi anda!
Had Tahunan Keseluruhan Yang Tinggi, Tiada Had Seumur Hidup
Nikmati Had Tahunan Keseluruhan yang tinggi sehingga RM2,000,000
untuk membantu anda mengharungi setiap keperluan penjagaan kesihatan
anda.
Pelan Yang Fleksibel dan Boleh Disesuaikan
Keperluan setiap individu adalah berbeza, jadi pilih mana-mana daripada 5
pelan yang ditawarkan untuk mendapat manfaat dan kadar premium yang
memenuhi keperluan dan kemampuan anda.
Pembaharuan Dijamin Sehingga 100 Tahun
Nikmati ganjaran hidup yang baik dengan liputan perlindungan yang
berterusan sehingga usia emas anda.
Pilihan Penolakan (Terpakai untuk Seksyen A – Manfaat Pesakit
Dalam & Pembedahan Harian)
Fleksibiliti untuk memilih daripada 4 Pilihan Penolakan untuk mengurus kos
perbelanjaan perubatan anda dan nikmati diskaun premium sehingga 50%.
10
9000

Bonus Tanpa Tuntutan
Amat berbaloi jika anda kekal sihat! Dapatkan 10% diskaun atas premium
untuk polisi pembaharuan anda yang seterusnya jika anda tidak memfailkan
tuntutan pada tahun yang sebelumnya.
Diskaun Berkumpulan Orang Yang Diinsuranskan
Kami memahami bahawa anda perlu menyara dan menjaga insan tersayang.
Oleh itu, nikmati sehingga 10% diskaun atas premium apabila ibu bapa,
pasangan atau anak anda diinsuranskan dalam polisi yang sama!
Lawatan Pakar Perubatan Dalam Hospital Tanpa Had
Dapatkan penjagaan ekstensif daripada pakar perubatan dalam hospital
semasa perjalanan pemulihan anda.
Pendapat Kedua untuk Pembedahan
Dalam sesetengah kes, mungkin terdapat keperluan untuk anda mencari pakar
perubatan yang lain untuk mendapatkan pendapat kedua sebelum
pembedahan. Untuk menenangkan fikiran anda, kami akan membayar balik
yuran yang dikenakan untuk konsultasi tersebut.
Transplan Organ
Kami akan membayar balik yuran yang dikenakan untuk pembedahan
transplan jika anda merupakan penerima organ Hati, Buah Pinggang,
Jantung, Paru-paru atau Sum-sum Tulang.
Kemasukan Ke Hospital Yang Mudah
Dalam kecemasan, anda hanya perlu menunjukkan kad perubatan atau e-kad
perubatan anda untuk kemasukan ke hospital serta perkhidmatan perubatan
secara segera di mana-mana hospital panel kami seluruh negara.
Manfaat Kematian atau Hilang Upaya Kekal Akibat Kemalangan
Keselamatan kewangan yang ekstra dengan penambahan RM50,000 atas
Had Tahunan Keseluruhan jika berlakunya Kematian atau Hilang Upaya
Kekal Akibat Kemalangan.
Perbelanjaan Pengebumian
Menyediakan pembayaran sekali gus sebanyak RM2,000 kepada insan
tersayang untuk membantu dengan pembayaran terakhir anda. Ini adalah
supaya tiada bebanan ditinggalkan kepada insan tersayang apabila anda sudah
tiada untuk menyara hidup mereka.
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Jadual Manfaat
Z-MedProtect boleh didapati dalam 5 pelan yang disediakan mengikut keperluan dan
kemampuan yang berbeza.
Di bawah menunjukkan jadual manfaat yang penuh untuk setiap pelan:
Manfaat
Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Had (RM)
Had Tahunan Keseluruhan
(untuk Seksyen A dan Seksyen B)
Bonus Tanpa Tuntutan
100,000 300,000 500,000 1,000,000 2,000,000
Pengurangan 10% atas premium pembaharuan
(jika tiada tuntutan dibuat)
Seksyen A - Manfaat Pesakit Dalam & Pembedahan Harian
Bilik Hospital dan Makanan
Unit Rawatan Rapi
100 150 180 200
(maksimum 365 hari setahun)
Bayaran Dikenakan (maksimum 180 hari setahun)
Bekalan dan Khidmat Hospital
Prosedur Pembedahan Harian
Bayaran Pembedahan
Bayaran Pakar Bius
Bayaran Bilik Bedah
Lawatan Pakar Perubatan Dalam Hospital
(tidak terhad)
Bayaran Ambulans
Elaun Tunai Harian Di Hospital Kerajaan
Manfaat Penjagaan Harian Anak Orang Yang
Diinsuranskan
Bayaran Laporan Perubatan
Transplan Organ (Hati, Buah Pinggang, Jantung,
Paru-paru atau Sum-sum Tulang)
Cukai Ke Atas Perbelanjaan Layak
Bayaran Dikenakan
Bayaran Dikenakan
Bayaran Dikenakan
Bayaran Dikenakan
Bayaran Dikenakan
Bayaran Dikenakan
Bayaran Dikenakan
100 (maksimum 365 hari setahun)
250 (maksimum setiap hilang upaya)
150
Bayaran Dikenakan
Bayaran Dikenakan
500
12

Manfaat
Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Had (RM)
Seksyen B – Manfaat Pesakit Luar
Ujian Diagnostik Prahospital
Rundingan Pakar Prahospital
Rawatan Selepas Penghospitalan
Rawatan Pesakit Luar Bagi Kemalangan
Secara Kecemasan
Rawatan Fisioterapi Pesakit Luar
Rawatan Dialisis Buah Pinggang Pesakit Luar
Rawatan Kanser Pesakit Luar
Rawatan Pergigian Pesakit Luar Bagi
Kemalangan Secara Kecemasan
Penjagaan Kejururawatan Di Rumah
Rundingan Pembedahan Pendapat Kedua
Bayaran Dikenakan
(dalam masa 60 hari sebelum penghospitalan)
Bayaran Dikenakan
(dalam masa 60 hari sebelum penghospitalan)
Bayaran Dikenakan
(dalam masa 90 hari dari penghospitalan)
Bayaran Dikenakan (dalam masa 24 jam dan
rawatan susulan sehingga maksimum 60 hari)
Bayaran Dikenakan
(dalam masa 90 hari dari tarikh keluar)
Bayaran Dikenakan
Bayaran Dikenakan
4,000 (setiap kemalangan)
4,000 (sehingga 180 hari, maksimum seumur hidup)
Bayaran Dikenakan
Seksyen C – Manfaat Khas (Had tambahan di atas Had Tahunan Keseluruhan)
Kematian dan Hilang Upaya Kekal Akibat
Kemalangan
Pemindahan Kecemasan Perubatan dan
Penghantaran Pulang Antarabangsa
Perbelanjaan Pengebumian (semua sebab)
Seksyen D – Pilihan
Penolakan (setiap Mana-mana Satu Hilang
Upaya) (terpakai untuk Seksyen A sahaja)
50,000
50,000 (maksimum setahun)
2,000
Pilihan A B C D
Jumlah Penolakan 0 5,000 10,000 20,000
Diskaun Premium 0% 15% 30% 50%
13

Premium Tahunan
Umur
Pada
Tarikh
Lahir
Berikutnya
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Pelan 1
Pelan 2
Premium Tahunan (RM)
Pelan 3
Pelan 4
Pelan 5
Lelaki Perempuan Lelaki Perempuan Lelaki Perempuan Lelaki Perempuan Lelaki Perempuan
1,038 1,020 1,145 1,127 1,213 1,195 1,313 1,295 1,905 1,888
982
913
848
772
717
672
632
599
576
559
547
543
544
555
578
579
584
589
594
608
617
626
636
656
675
693
711
729
749
773
790
807
824
852
886
909
930
948
964
965 1,082 1,065 1,146 1,129 1,241 1,224 1,799 1,783
896 1,007 990 1,066 1,049 1,154 1,137 1,671 1,655
831 934 917
755 850 833
699 789 771
655 740 722
615 695 677
581 658 640
505 633 557
465 614 512
455 601 500
451 595 496
452 597 498
462 609 508
478 634 525
479 634 526
483 640 530
487 645 535
492 651 540
504 666 554
512 676 562
520 686 571
556 697 611
574 719 631
593 740 652
610 760 670
627 781 689
676 800 743
695 822 764
711 848 782
727 867 800
743 886 818
759 904 836
786 935 865
989
900
835
782
735
696
669
649
972 1,069 1,053 1,548 1,531
883 973
956 1,406 1,390
817 903
765 845
717 794
678 752
589 722
541 700
885 1,304 1,286
828 1,218 1,201
776 1,143 1,126
734 1,081 1,063
637 1,037 921
585 1,004 843
635 529 685 572
629 525 679 567
631 526 681 569
644 537 695 580
669
555 721
669
675
681
687
703
714
725
735
759
781
803
825
846
869
896
916
936
956
988
556 721
561 728
566 734
571 741
585 757
594 769
604 781
646 793
668 818
689 842
709 866
729 890
786 912
809 938
828 967
847 988
981
973
976
996
824
817
820
837
600 1,028 861
600 1,029 861
605 1,038 869
611 1,047 877
616 1,058 886
631 1,079 905
642 1,097 920
652 1,114 935
698 1,132 1,003
721 1,169 1,037
744 1,204 1,070
766 1,239 1,102
787 1,274 1,133
850 1,307 1,225
874 1,344 1,260
895 1,383 1,291
915 1,415 1,321
866 1,010 936 1,447 1,351
885 1,031 956 1,478 1,381
916 1,067 990 1,530 1,431
821 972 903 1,027 956 1,108 1,033 1,587 1,488
843 998 928 1,054 981 1,138 1,061 1,630 1,529
863 1,020 949 1,079 1,005 1,164 1,086 1,669 1,566
880 1,041 968 1,100 1,025 1,187 1,108 1,703 1,598
895 1,058 985 1,118 1,042 1,207 1,127 1,733 1,626
41 1,003 969 1,099 1,065 1,160 1,127 1,250 1,217 1,784 1,751
42 1,015 981 1,112 1,079 1,174 1,141 1,266 1,232 1,807 1,773
43 1,074 1,040 1,178 1,144 1,244 1,210 1,342 1,308 1,918 1,884
44 1,135 1,101 1,245 1,211 1,315 1,281 1,419 1,385 2,031 1,997
45 1,197 1,163 1,314 1,280 1,389 1,355 1,498 1,464 2,148 2,114
46 1,240 1,206 1,359 1,325 1,434 1,401 1,546 1,512 2,205 2,171
47 1,281 1,247 1,404 1,370 1,482 1,448 1,598 1,564 2,282 2,248
48 1,339 1,305 1,469 1,435 1,551 1,517 1,673 1,639 2,391 2,357
49 1,430 1,461 1,569 1,607 1,658 1,700 1,789 1,837 2,562 2,649
50 1,537 1,573 1,688 1,732 1,784 1,832 1,926 1,981 2,763 2,860
14

Umur
Pada
Tarikh
Lahir
Pelan 1
Pelan 2
Premium Tahunan (RM)
Pelan 3
Pelan 4
Pelan 5
Berikutnya Lelaki Perempuan Lelaki Perempuan Lelaki Perempuan Lelaki Perempuan Lelaki Perempuan
51 1,657 1,686 1,815 1,852 1,916 1,958 2,064 2,114 2,944 3,037
52 1,748 1,781 1,916 1,958 2,023 2,070 2,181 2,236 3,114 3,216
53 1,864 1,904 2,044 2,093 2,160 2,214 2,329 2,392 3,332 3,445
54 2,011 2,058 2,207 2,264 2,333 2,396 2,517 2,590 3,608 3,735
55 2,194 2,251 2,410 2,478 2,548 2,623 2,751 2,836 3,952 4,097
56 2,601 2,436 2,854 2,676 3,015 2,829 3,252 3,054 4,654 4,387
57 2,891 2,580 3,174 2,835 3,355 2,998 3,622 3,238 5,198 4,657
58 3,121 2,788 3,430 3,065 3,626 3,243 3,916 3,504 5,630 5,047
59 3,387 3,028 3,724 3,332 3,940 3,525 4,256 3,811 6,129 5,498
60 3,690 3,301 4,059 3,634 4,295 3,846 4,642 4,159 6,695 6,009
61 4,157 3,707 4,563 4,073 4,822 4,306 5,203 4,650 7,458 6,682
62 4,526 4,039 4,971 4,440 5,256 4,696 5,674 5,073 8,151 7,304
63 4,922 4,397 5,410 4,837 5,721 5,117 6,180 5,531 8,893 7,975
64 5,357 4,791 5,892 5,273 6,234 5,581 6,736 6,034 9,710 8,715
65 5,849 5,237 6,438 5,767 6,813 6,106 7,365 6,604 10,633 9,551
66* 6,709 6,065 7,363 6,655 7,780 7,032 8,394 7,586 12,025 10,866
67* 7,191 6,504 7,896 7,141 8,346 7,548 9,009 8,146 12,929 11,688
68* 7,686 6,954 8,445 7,640 8,929 8,078 9,642 8,722 13,858 12,534
69* 8,192 7,416 9,006 8,151 9,525 8,621 10,289 9,312 14,809 13,400
70* 8,754 7,928 9,628 8,719 10,186 9,224 11,007 9,967 15,864 14,361
71* 9,708 8,791 10,639 9,634 11,234 10,172 12,109 10,964 17,283 15,649
72* 10,250 9,285 11,240 10,181 11,871 10,753 12,801 11,595 18,301 16,576
73* 10,802 9,789 11,852 10,740 12,521 11,346 13,507 12,239 19,338 17,523
74* 11,366 10,303 12,476 11,310 13,185 11,952 14,228 12,897 20,397 18,489
75* 11,990 10,874 13,168 11,942 13,920 12,624 15,026 13,627 21,570 19,561
76* 13,322 11,959 14,562 13,084 15,354 13,802 16,520 14,860 23,414 21,114
77* 13,915 12,503 15,220 13,687 16,053 14,443 17,279 15,555 24,530 22,136
78* 14,520 13,056 15,890 14,301 16,764 15,095 18,052 16,263 25,667 23,177
79* 15,135 13,621 16,572 14,926 17,489 15,759 18,839 16,985 26,824 24,238
80* 15,823 14,254 17,335 15,627 18,300 16,504 19,720 17,794 28,119 25,427
81* 16,460 14,839 18,040 16,276 19,049 17,193 20,534 18,542 29,317 26,527
82* 17,107 15,434 18,758 16,936 19,811 17,894 21,362 19,304 30,534 27,647
83* 17,765 16,040 19,487 17,607 20,586 18,607 22,203 20,078 31,771 28,785
84* 18,432 16,655 20,226 18,288 21,371 19,330 23,056 20,865 33,026 29,941
85* 19,186 17,351 21,062 19,059 22,259 20,150 24,021 21,755 34,445 31,249
86* 19,873 17,985 21,823 19,762 23,068 20,897 24,900 22,566 35,738 32,442
87* 20,569 18,629 22,595 20,475 23,887 21,654 25,790 23,389 37,047 33,651
88* 21,274 19,281 23,376 21,199 24,718 22,422 26,692 24,223 38,373 34,878
89* 21,989 19,943 24,168 21,932 25,559 23,201 27,606 25,070 39,717 36,122
90* 22,807 20,702 25,075 22,773 26,523 24,095 28,653 26,040 41,257 37,548
91* 23,539 21,381 25,886 23,525 27,384 24,894 29,589 26,908 42,633 38,824
92* 24,279 22,069 26,706 24,287 28,255 25,704 30,536 27,788 44,025 40,117
93* 25,027 22,765 27,536 25,059 29,137 26,523 31,493 28,678 45,433 41,426
94* 25,783 23,469 28,373 25,839 30,027 27,351 32,460 29,578 46,855 42,748
95* 26,664 24,290 29,349 26,748 31,064 28,318 33,587 30,628 48,512 44,292
96* 27,435 25,009 30,204 27,545 31,971 29,165 34,573 31,547 49,962 45,643
97* 28,298 25,737 31,160 28,352 32,987 30,021 35,675 32,478 51,580 47,012
98* 29,185 26,471 32,143 29,166 34,030 30,886 36,809 33,418 53,244 48,393
99* 30,087 27,214 33,141 29,989 35,091 31,760 37,960 34,367 54,935 49,788
100* 31,004 27,964 34,157 30,820 36,169 32,643 39,131 35,326 56,654 51,198
*Berdasarkan pembaharuan sahaja
15

Nota:
• Premium tahunan yang dicatatkan dalam jadual di atas hanya terpakai untuk risiko yang standard dan
kelas pekerjaan 1 dan 2 sahaja. Untuk kelas pekerjaan 3, bebanan 15% akan dikenakan.
• Jumlah premium yang perlu dibayar mungkin berbeza bergantung kepada kelas pekerjaan, keadaan
kesihatan serta pelan yang anda pilih.
• Premium yang perlu dibayar adalah pada kadar premium mengikut umur anda pada tarikh lahir yang
berikutnya pada setiap ulangtahun tahun polisi.
• Kami berhak untuk mengubah kadar pada mana premium dikira pada permulaan mana-mana tahun
polisi, dengan syarat bahawa pemilik polisi akan dimaklumkan sekurang-kurangnya tiga puluh (30) hari
sebelum tarikh premium tersebut perlu dibayar.
• Semua polisi mungkin tertakluk kepada 6% Cukai Jualan dan Perkhidmatan (SST) serta RM10 Duti
Setem.
Soalan Lazim
S. Apakah Z-MedProtect?
J. Z-MedProtect adalah polisi insurans perubatan yang boleh diperbaharui setiap tahun dengan liputan
perlindungan komprehensif untuk perbelanjaan penghospitalan dan pembedahan yang disebabkan
oleh penyakit. Polisi ini juga menyediakan perlindungan untuk kecederaan, hilang upaya serta
kematian.
S. Siapakah yang layak untuk Z-MedProtect?
J. Sesiapa yang berumur antara 30 hari dan 65 tahun (umur tarikh lahir yang seterusnya) adalah layak
untuk membeli Z-MedProtect. Produk ini boleh diperbaharui sehingga umur 100 tahun (umur tarikh
lahir yang seterusnya).
S. Apakah antara pelan yang ditawarkan?
J. Z-MedProtect ditawarkan dalam 5 pelan. Anda mempunyai fleksibiliti untuk memilih pelan yang
bersesuaian dengan keperluan kesihatan dan kemampuan anda.
S. Berapa lamakah liputan perlindungan Z-MedProtect?
J. Liputan perlindungan disediakan untuk satu (1) tahun. Anda perlu memperbaharui polisi anda setiap
tahun.
S. Apakah fungsi Penolakan dalam Z-MedProtect?
J. Penolakan merupakan sebuah jumlah kewangan yang akan ditolak daripada perbelanjaan layak yang
dikenakan di bawah Seksyen A untuk setiap mana-mana satu hilang upaya apabila anda dimasukkan
ke mana-mana hospital swasta. Walau bagaimanapun, penolakan tidak akan diguna pakai untuk
perbelanjaan layak yang dikenakan apabila anda dimasukkan ke mana-mana hospital kerajaan
Malaysia.
Penolakan adalah manfaat pilihan dalam Z-MedProtect. Dengan memilih Penolakan, anda akan
nikmati diskaun atas jumlah premium anda sehingga 50%, bergantung kepada pilihan anda.
S. Bolehkah bukan warga negara Malaysia membeli Z-MedProtect?
J. Z-MedProtect ditawarkan kepada semua warga Malaysia atau mana-mana bukan warga negara
Malaysia yang mempunyai permit pekerjaan yang sah, permit pelajar, berstatus pemastautin tetap
atau status Malaysia Rumah Keduaku (MM2H).
16

S. Bolehkah saya membeli Z-MedProtect untuk seluruh keluarga?
J. Ya, anda boleh membeli Z-MedProtect untuk ibu bapa, pasangan atau anak anda.
Bergantung kepada bilangan ahli keluarga yang anda ingin lindungi, anda layak untuk Diskaun
Berkumpulan Orang Yang Diinsuranskan sehingga 10% daripada jumlah premium anda.
Polisi anda akan dikeluarkan sebagai sebuah polisi keluarga berkumpulan. Walau bagaimanapun,
premium akan dikenakan secara individu dengan bayaran duti setem hanya sekali.
S. Bagaimanakah anda mengklasifikasikan Pekerjaan?
J.
Pekerjaan diklasifikasikan dalam 3 kelas seperti berikut:
Kelas Pekerjaan 1
Orang yang terlibat dalam pentadbiran, pengurusan, perkeranian dan pekerjaan bukan manual
Kelas Pekerjaan 2
Orang yang terlibat dalam kerja penyeliaan tetapi tidak terlibat dalam kerja manual
Kelas Pekerjaan 3
Orang yang terlibat sama ada secara sambilan atau secara amnya dalam kerja manual yang
melibatkan penggunaan alatan atau mesin
S. Apakah terma dan syarat utama yang perlu saya ketahui?
J. Penarikan Balik Portfolio - Kami berhak membatalkan portfolio secara keseluruhan jika kami
memutuskan untuk menghentikan produk insurans ini. Pembatalan portfolio secara keseluruhan akan
diberitahu melalui notis bertulis yang munasabah terlebih dahulu dengan alasan yang sah kepada
anda dan kami akan menanggung semua polisi hingga ke tarikh tamat tempoh perlindungan dalam
portfolio.
Bayaran Bersama (Polisi sub-standard sahaja) - Bayaran Bersama ditanggung oleh anda dengan
syarat perkongsian kos atau terma insurans bersama tidak boleh melebihi dua puluh peratus (20%)
daripada perbelanjaan yang boleh dituntut (tidak termasuk Penolakan) bagi setiap Hilang Upaya,
tertakluk kepada had maksimum mutlak Ringgit Malaysia Tiga Ribu (RM 3,000) (termasuk Penolakan)
untuk setiap Hilang Upaya.
Nota: Sila rujuk kepada kontrak polisi untuk terma dan syarat yang penuh di bawah produk ini.
17

Pengecualian
Produk ini tidak melindungi mana-mana penghospitalan, pembedahan atau bayaran yang disebabkan
secara langsung atau tidak langsung, sepenuhnya atau sebahagiannya, oleh mana-mana satu (1) kejadian
yang berikut:
Seksyen A – Manfaat Pesakit Dalam & Pembedahan Harian dan
Seksyen B – Manfaat Pesakit Luar
1. Penyakit sedia ada
2. Penyakit tertentu yang berlaku dalam tempoh seratus dua puluh (120) hari pertama perlindungan
berterusan
3. Tempoh tangguh tiga puluh (30) hari untuk semua kecuali kecederaan kemalangan
4. Kehamilan, melahirkan anak (termasuk kelahiran secara pembedahan), keguguran, menggugurkan
kandungan dan jagaan serta pembedahan pranatal atau posnatum
5. Wabak dan/atau pandemik
Seksyen C – Manfaat Khas
1. Penyakit sedia ada
2. Peperangan, perang saudara
3. Bunuh diri sama ada dalam keadaan siuman atau tidak siuman
4. Pembunuhan atau serangan disebabkan provokasi
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada kontrak polisi untuk senarai menyeluruh
pengecualian yang terdapat dalam produk ini.
Nota Penting
1. Risalah ini adalah untuk tujuan ilustrasi sahaja. Untuk maklumat lanjut mengenai terma dan syarat,
sila rujuk kepada lembaran pendedahan produk atau kontrak polisi.
2. Anda harus memastikan bahawa polisi ini memenuhi keperluan anda dan jumlah premium yang
perlu dibayar adalah sesuai dengan kemampuan anda.
3. Anda boleh membatalkan polisi anda dengan memulangkan polisi dalam masa lima belas (15) hari
selepas anda menerima polisi tersebut. Premium yang telah dibayar akan dikembalikan kepada anda
dengan syarat tiada tuntutan dilakukan atas polisi tersebut.
4. Premium untuk produk ini tidak dijamin dan akan berdasarkan kepada kadar premium yang dikuat
kuasa pada masa pembaharuan.
5. Tiada manfaat akan dibayar untuk sebarang rawatan perubatan yang diterima oleh Orang Yang
Diinsuranskan di luar Malaysia jika Orang Yang Diinsuranskan tinggal atau melakukan perjalanan di
luar Malaysia untuk lebih daripada sembilan puluh (90) hari yang berterusan.
6. Semua premium dan yuran mungkin tertakluk kepada cukai atau levi kerajaan yang lain.
Untuk maklumat lanjut dan bantuan mengenai Z-MedProtect, sila hubungi ejen kami atau Pusat
Khidmat Pelanggan Zurich di 1-300-888-622 atau emel kami di <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
Sekiranya terdapat percanggahan, kekaburan dan konflik dalam pentafsiran sebarang terma atau syarat,
versi Bahasa Inggeris akan diguna pakai dan menggantikan versi Bahasa Malaysia.
18

Zurich General Insurance Malaysia Berhad
Registration No. 201701035345 (1249516-V)
Level 23A, Mercu 3, No. 3, Jalan Bangsar, KL Eco City,
59200 Kuala Lumpur, Malaysia
Tel: 03-2109 6000 Fax: 03-2109 6888 Call Centre: 1-300-888-622
www.zurich.com.my
@
zurich @ ncn
3551/1/P/G/B/M
The trademarks depicted are registered in the name of
Zurich Insurance Company Ltd in many jurisdictions worldwide
Z U RI C H :


2nd Plan:
Page # 1
Zurich Life Insurance Malaysia Berhad
Registration No. 196801000442 (8029-A)

Level 23A, Mercu 3

No. 3, Jalan Bangsar, KL Eco City,

59200 Kuala Lumpur, Malaysia.

Tel: 03-2109 6000 Fax: 03-2109 6888

Call Centre: 1-300-888-622 —www.zurich.com.my

 

 

@

zurich’ @ zurich

sser/ueiuan ZURICH

GB ZURICH

Zurich iCare Medic

Big journeys begin with small steps. Start here.

 


Page # 2
 


Page # 3
Zurich iCare Medic

Provides Just What You Need

 

Worry not about having cash on hand. Just show your medical
card at any one of our panel hospitals for a hassle-free
admission. We will ease your worries with necessary
coverage, including cashless claims.

 

 
      
 
 
       

  

Covid-19 Coverage

If you contract Covid-19 or experience Covid-19 vaccination
side effects, you are well covered for hospitalisation admission.’

Affordable Premium with

Long-Term Protection

Get protected and enjoy medical coverage with no lifetime
limit up to L00 years of age. No excuses for not living your life
to the fullest.

 
       
       
 

Enjoy More Savings

Your medical bills are well taken care of. Have your
Deductibles waived so that you can focus on recovering
whilst enjoying Daily Cash Allowance of RM180 if you are
admitted into a government hospital.

Compassionate Benefit

In the event of death of the Life Assured, your family will
receive RM10,000 to assist them with funeral expenses.

 

Enjoy the option of upgrading your plan to a new medical plan
after 5 years and enhance your benefits in the future with a more
comprehensive medical protection. No medical underwriting
required and is subject to terms and conditions. A

 

Note:

‘Life Assured must be vaccinated with at least 2 doses of vaccine approved
by local authority to be entitled for this benefit [except for Life Assured
age 4 years and below.]

 


Page # 4
    

Schedule of Benefits

Annual Limit
(for In-Patient Benefits, Out-Patient Benefits plus
Other Benefits)
Lifetime Limit
Deductible (amount per Policy Year)
In-Patient Benefits
1. Daily Hospital Room & Board
(limit per day, unlimited number of days)
2. Daily Cash Allowance at Government Hospital
(limit per day, unlimited number of days)
3. Intensive Care Unit or High Dependency Unit
(maximum 120 days per Policy Year)
Hospital Supplies & Services
Surgical Fees
Anaesthetist Fees
Operating Theatre Fees
Ambulance Fees
Pre-Hospitalisation Diagnostic Tests
(within 90 days prior to Hospitalisation)
+ Diagnostic Tests
+ Specialist / General Practitioner Consultation
+ Medication and Treatment
10. In-Hospital Specialist Visit
* Surgical — unlimited number of visits
+ Non-surgical — max 2 visits / day
11. Post-Hospitalisation Treatment
(within 180 days after discharge)
+ Diagnostic Tests
+ Specialist Consultation
+ Medication and Treatment

OMONOASHK

. Organ Transplant
(any organ, unlimited number of transplant)
Hospitalisation due to Covid-19 or Complication
arising from Covid-19 vaccination

Limit (RM)
500,000

No lifetime limit
250

180

180

As Charged, subject
to any Deductible.
Deductible will be

waived for admission

to Malaysian
Government /
Semi-Government
Hospital.

Out-Patient Benefits
14. Out-Patient Kidney Dialysis Treatment
15. Out-Patient Cancer Treatment

16. Emergency Accidental Out-Patient Treatment
(within 72 hours from accident and follow-up

treatment up to a maximum of 31 days)

17. Day-Care Surgery

18. Out-Patient Physiotherapy Treatment
(limit per Policy Year, within 180 days after
discharge / surgery)

Other Benefits

19. Intraocular Lens — Monofocal / Multifocal
(limit per life on each eye)

20. Medical Report Fees

Special Benefits

21. Step Up Advantage

22. Compassionate Benefit
23. Emergency Assistance Program (EAP)

Note:

As Charged, subject to any
Deductible. Deductible will
be waived for admission to
Malaysian Government /
Semi-Government
Hospital.

5,000

3,000

As Charged

The privilege to upgrade
this plan to anew medical
plan without medical
underwriting, subject to
terms and conditions.
10,000
In accordance with the
benefit provisions in
EAP agreement

Compassionate Benefit and Emergency Assistance Programme are not included in

the Annual Limit.

 


Page # 5
    
 

  

How Does iCare Medic Work?

Let us look at the scenario below.

Hospitalisation for Knee Replacement Surgery
Patient: John
Days of Hospitalisation: 6 days

Comparison between treatment received at
Government and Private Hospital:

Government
Hospital

 

Total Eligible Medical

Expenses for Knee RM15,000
Replacement Surgery

Required to Pay Deductible No
Deductible paid by John Waived

Cae ees apance at RM180 x 6 days = RM1,080
overnment Hospital

If John chooses to be
admitted into a Government
Hospital, his Deductible of
RM250 will be waived and
the total eligible medical
expenses will be fully paid
by Us. Additionally, John will
be paid a total Daily Cash
Allowance of RM1,080.00

Tin

Description

Private
Hospital

 

RM60,000

Yes

RM250

Not Applicable

If John chooses to be
admitted into a Private
Hospital, he will need to
pay a Deductible of RM250
and the remaining eligible
medical expenses will be
paid by Us. John will not
be entitled to the Daily
Cash Allowance.

 

Annual Premium

Age Band (Age Last Birthday)

0
1 year
2 years
3 years
4 years
5 years
6 — 10 years
11-15 years
16 - 20 years
21-25 years
26 — 30 years
31-35 years
36 — 40 years
41 - 45 years
46 years
47 years
48 years
49 years
50 years
51 years
52 years
53 years
54 years
55 years
56 years
57 years
58 years
59 years
60 years

    
 

Rates

Annual Premium (RM)

1,972 1,661
1,701 1,540
1,567 1,416
1,433 1,299
1,303 1,212
1,236 1,124
1,195 1,042
1,195 1,042
1,361 1,067
1,361 1,119
1,361 1,119
1,375 1,255
1,431 1,452
1,558 1,888
1,708 2,261
1,772 2,385
1,931 2,503
2,089 2,619
2,249 2,688
2,412 2,783
2,572 2,849
2,695 2,947
2,800 3,013
2,883 3,108
3,100 3,317
3,316 3,415
3,655 3,723
3,991 4,028
4,328 4,145

 


Page # 6
Annual Premium (RM) Pee aed (a)

 

61 years 5,365 4,997 90 years! 27,849 27,612

62 years WOO) 5,327 91 years! 28,655 28,404

63 years 5,935 5,772 92 years! 29,481 29,228

64 years 6,113 6,220 93 years! 30,405 30,073

65 years 6,291 6,411 94 years! 31,853 30,944

66 years 9,960 9,684 95 years! 33,303 31,841

67 years 10,237 10,292 96 years! 34,749 32,765

68 years 10,773 10,833 97 years! 36,199 33,712

69 years 11,316 11,372 98 years! 37,708 34,693

70 years 11,853 11,913 99 years' 39,277 35,701 :
71 years' 12,389 12,453

72 years! 12,929 12,995

73 years! 13,611 13,679 Note:

74 years! 14,289 14,363 | | | | ;

75 years! 14,9714 15,044 1. The premiums payable will vary according to the attained age, gender and occupational

class. Please speak to our Zurich Wealth Planner to obtain the premium rates that are

76 years! 15,6514 15,731 applicable to you.
77 years! 16,331 16,415

78 years! 17,191 17,279 2.1 On renewal basis only.
79 years! 18,053 18,144

80 years! 18,912 19,0114

81 years' 19,772 19,875

82 years! 20,636 20,743

83 years! 21,721 21,835

84 years! 22,813 22,929

85 years! 23,903 24,024

86 years! 24,877 24,663

87 years! 25,591 25,367

88 years! 26,319 26,092

89 years! 27,076 26,837

 


Page # 7
    
    

Frequently Asked Questions (FAQ)

What is Zurich iCare Medic?

Zurich iCare Medic is a standalone medical plan with Deductible of RM250 which provides
cashless hospitalisation benefits, out-patient benefits, and other medical benefits up to age 100.

    

Who is eligible for Zurich iCare Medic?

Anyone between 14 days old to 70 years old (attained age) is eligible to purchase
Zurich iCare Medic.

 
   
 

What is Deductible and how does it work?

Deductible is a fixed amount you are required to pay per Policy Year for eligible medical expenses
incurred as cost sharing. You will need to pay the initial RM250 if you are admitted to private
hospital and we will pay the rest of the eligible medical expenses incurred within a Policy Year.

    

Is the premium paid for Zurich iCare Medic eligible for income tax relief?

Yes. The premium paid for this standalone medical plan may qualify you for personal income tax
relief subject to the final decision of the Inland Revenue Board of Malaysia (IRB).

    

Am | covered for medical treatment received outside Malaysia?

Yes, but if you are residing or traveling outside Malaysia, the worldwide coverage is subject
to a maximum of 90 consecutive days.

 

Exclusions

Medical & Hospitalisation Benefit
This plan does not cover any hospitalisation, surgery or charges caused directly or indirectly,
wholly or partly, by any one of the following occurrences:

1. Pre-existing conditions; or

2.  Plastic/Cosmetic surgery or treatment (except medically necessary surgery),
circumcision (except circumcision due to infection), eye examination, glasses and
refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or
acquisition of external prosthetic appliances or devices such as artificial limbs, hearing
aids, implanted pacemakers and prescriptions thereof; or

3. Dental conditions including dental treatment or oral surgery except as necessitated by
Accidental Injuries to sound natural teeth occurring wholly during the coverage period
of the Policy Contract; or

4. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation,
venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or
ARC (AIDS Related Complex) and HIV (Human Immunodeficiency Virus) related
diseases, and any communicable diseases requiring quarantine by law except for the
Eligible Expenses covered under Hospitalisation due to Covid-19 or complication
arising from Covid-19 vaccination; or

5. Any treatment or surgical operation for Congenital Conditions or deformities including
hereditary conditions; or

6. Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or
postnatal care and surgical, mechanical or chemical contraceptive methods of birth
control or treatment pertaining to infertility, erectile dysfunction and tests or treatment
related to impotence or sterilisation; or

7. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination,
general physical or medical examinations, not incidental to treatment or diagnosis of a
covered disability or any treatment which is not medically necessary and any
preventive treatments, preventive medicines or examinations carried out by a General
Practitioner and/or Specialist; or

8. Treatments specifically for weight reduction or gain; or
9. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane; or
10. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty

in any armed forces, direct participation in strikes, riots and civil commotion or
insurrection; or


Page # 8
11.

12.

13.

14.

15.

16.

17.

18.

lonising radiation or contamination by radioactivity from any nuclear fuel or nuclear
waste from process of nuclear fission or from any nuclear weapons material; or

Expenses incurred for donation of any body organ by the Life Assured and costs of
acquisition of the organ including all costs incurred by the donor during organ
transplant and its complications; or

Investigation and treatment of sleep and snoring disorders, hormone replacement
therapy and alternative therapy such as treatment, medical service or supplies,
including but not limited to chiropractic services, acupuncture, acupressure,
reflexology, bone setting, herbalist treatment, massage or aromatherapy or other
alternative treatment; or

Psychotic, mental or nervous disorders, (including any neuroses and their physiological
or psychosomatic manifestations); or

Costs/expenses of services of a non-medical nature, such as television, telephones,
telex services, radios or similar facilities, admission kit/pack and other ineligible
non-medical items; or

Sickness or injury arising from racing of any kind (except foot racing), hazardous sports
such as but not limited to skydiving, water skiing, underwater activities requiring
breathing apparatus, winter sports, professional sports and illegal activities; or

Private flying other than as a fare-paying passenger in any commercial scheduled
airlines licensed to carry passengers over established routes; or

Expenses incurred for sex changes.

Note: This exclusion list is not exhaustive. Please refer to the policy documents for the full list
of exclusions under this plan.

Important Notes

. The brochure is for illustrative purposes only. For further details of terms and conditions,
please refer to the product disclosure sheet, and policy documents.

. You should be certain that this plan meets your needs and that the premium payable
under the policy is an amount you can afford.

. If the policy is cancelled within the 15 days free-look period from the date of delivery of
the policy, the full premium paid less medical expenses (if any) will be refunded.

. Waiting period - The eligibility for benefits under this policy will only start 30 days after the
effective date of the policy, except for a covered accident occurring after the effective date of
coverage. For Specified Illnesses, the waiting period is 120 days from the Commencement
Date or effective date of change or reinstatement date whichever is latest.

. The premium is not guaranteed and subject to review in future. The revision in premium, if
any, is affected by claim experience, cost of medical treatment, medical inflation,
advancement in medical technology and other circumstances. Such revisions shall be
applicable to all policyholders regardless of their policy coverage term and claim
experience. Zurich Life Insurance Malaysia Berhad reserves the right to revise the premium
by notifying the policyholder at least 30 days before the anniversary date.

. It may not be advantageous to switch from one medical and health policy to another
medical and health policy, as you may be subject to new underwriting requirements waiting
period, exclusion of specified illness or pre-existing conditions under the new policy.

. Medical treatment received outside Malaysia is limited to the Reasonable and Customary
and Medically Necessary Charges that are equivalent to the local treatment found in
Malaysia and shall exclude the cost of transport to the place of treatment. No benefit shall
be payable for any medical treatment received by the Life Assured outside Malaysia, if the
Life Assured resides or travels outside Malaysia for more than 90 consecutive days.

. All premium and fees shown in this document may be subject to tax or other
government levies.

Panel of Hospitals

Please visit www.zurich.com.my to download the list of participating hospitals.

For more information and assistance on Zurich iCare Medic, please contact our Zurich Wealth
Planner or Zurich Call Centre at 1300-888-622 or email us at <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>

In the event of discrepancy, ambiguity, and conflict in interpreting any term or condition, the
English version shall prevail and supersede the Bahasa Malaysia, Chinese and Tamil versions.