Zurich Infinite Care
Comprehensive health benefits that truly fit you.
Meet Zurich Infinite Care. Apart from covering your medical bills including cashless hospitalisation assistance and out-patient benefits, this unit deducting rider rewards you for staying healthy with No Claim Discount. And best of all, this companion is one that understands your financial means and provides for different stages of life.
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Why should I choose this plan?
Stay Healthy, Get Discount
Enjoy No Claim Discount of up to 30% on the insurance charges of this medical rider.
Save More with Multiple Deductible Options
The higher your Deductible amount, the lower your insurance charges. You can even enjoy savings up to 77% on the insurance charges depending on the chosen Deductible amount.
Protect Against Inflation
Enjoy Inflation Shield benefit that enhances your coverage by rewarding you with a 20% increase on your Annual Limit every 5 years, based on the prevailing plan’s initial Annual Limit.
Get Additional Optional Coverage
You have the choice of enjoying further coverage for selected Critical Conditions with our Total Critical Care, which provides comprehensive medical treatment from pre to post hospitalisation.
The table below illustrates the benefits payable under this optional rider.
Benefits Payable RM a) Genomic Cancer Test
40,000
(limit per life)
b) Survivor Benefit
(Reimburse up to 5 years per Critical Condition, maximum 2 different Critical Conditions per life)
- Medical examination
- Imaging
- Specialist Consultation
- Medication
- Physiotherapy
- Traditional, Complementary, Speech, Occupational Therapies
8,000
(limit per year)
c) Alternative Treatment Benefit
(Applicable within 90 days prior to Hospitalisation, Hospitalisation and within 210 days after discharge due to surgery)
- Traditional and Complementary Therapies
4,000
(limit per disability)
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What benefits do I get?
Comprehensive Medical Coverage
Get up to RM1,000 for Daily Hospital Room & Board, depending on the plan you choose. Comes with high annual limit with no lifetime limit to give you a total peace of mind.
Early Years Discount
Enjoy discount on insurance charges of 35% for the first rider year and 20% for the second rider year, simply because you deserve it.
Longer Post-Hospitalisation Care
Receive reimbursement for diagnostic tests, specialist consultation as well as medication and treatment within 210 days after discharging from the hospital.
Medical Assistance Device Benefit
Should you need medical assistance devices such as Pacemaker, Artificial Limb or defibrillator, get reimbursement of up to RM20,000 on such expenses.
Retirement Option to Reduce Your Deductible
You can choose to reduce your Deductible amount according to your financial status, without underwriting after retirement. Terms and conditions apply.
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Is there a range of plans that I can choose from?
Plans Plan 300 Plan 500 Plan 1,000 Limit (RM) Annual Limit
(for In-Patient Benefit, Out-Patient Benefit plus Other Benefit)
1,800,000
3,000,000
5,000,000 Lifetime Limit No lifetime limit Deductible
(amount per Rider Year)
• 0
• 250
• 5,000
• 250
• 5,000
• 10,000
• 100,0001
• 10,000
• 100,0001
In-Patient Benefit 1 Daily Hospital Room & Board
(limit per day, unlimited number of days)
300 500 1,000 2 Daily Cash Allowance at Government Hospital (limit per day, unlimited number of days) 180 3 Intensive Care Unit or High Dependency Unit (maximum 210 days per Rider Year)
As Charged, subject to any Deductible. Deductible will be waived for admission to Malaysian Government / Semi-Government Hospital.
4 Hospital Supplies & Services
5 Surgical Fees
6 Anaesthetist Fees
7 Operating Theatre Fees
8 Ambulance Fees
9 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 210 days after discharge)
• Diagnostic Tests
• Specialist Consultation
• Medication and Treatment
12 Organ Transplant
(any organ, unlimited number of transplant)
13 Hospitalisation due to Covid-19 or Complication arising from Covid-19 Vaccination
Out-Patient Benefit
14 Out-Patient Kidney Dialysis Treatment As Charged, subject to any Deductible. Deductible will be waived for admission to Malaysian Government / Semi-Government Hospital.
15 Out-Patient Cancer Treatment
16 Emergency Accidental Out-Patient Treatment
(within 72 hours and follow-up treatment up to a maximum of 31 days)
17 Day-Care Surgery
18 Out-Patient Physiotherapy Treatment
(within 210 days after discharge/ surgery)
Other Benefit 19 Out-Patient Dengue Fever Treatment
(limit per event)
3,000
3,000 6,000 20 Intraocular Lens – Monofocal / Multifocal
(limit per life on each eye)
6,000 21 Second Medical Opinion
(limit per Rider Year)
2,000 22 Hospitalization due to Mental Illness
(limit per Rider Year)
3,000 3,000 6,000 23 Medical Assistance Device Benefit
• Pacemaker
• Defibrillator
• Artificial Limb
(Limit per Rider Year, maximum 2 claims per life)
12,000 12,000 20,000 24 Guardian Benefit
(limit per day, maximum 210 days per Rider Year)
150 150 250 25 Home Nursing Care
(limit per Rider Year, maximum 210 days per life)
12,000 12,000 20,000 26 Medical Report Fees
As Charged Special Benefit
The limit under the following Special Benefit is additional to the Annual Limit.
27 Inflation Shield
At the beginning of 6th Rider Year and at every interval of 5 years thereafter, the Annual Limit will be increased by 20% based on prevailing plan’s initial Annual Limit. 28 No Claim Discount
No Claim Discount (NCD) on the insurance charges of the current rider year if there is no claim paid in the preceding rider year.
If any medical claim is paid during a rider year, NCD shall reset on the following rider year.Consecutive Years of Without Claim Paid Discount on Insurance Charges 0 0% 1 10% 2 20% 3 30% >3 30%
29 Infectious Disease Benefit2
(limit per Infectious Disease)
6,000 6,000 10,000 30 Emergency Assistance Program (EAP)
In accordance with the benefit provisions in EAP agreement Note:
1Life Assured who purchases Plan 500 and Plan 1,000 with a Deductible of RM100,000 may choose to select a lower Deductible amount without underwriting, on the rider anniversary immediately following the 60th birthday. We shall notify Life Assured on the option of 90 days prior to the rider anniversary immediately following his 55th birthday. Life Assured must exercise the option by replying to us no later than the specified timeline. Only Life Assured with entry age of 50 years old and below is eligible for this benefit.
2 Infectious Disease Benefit will cease when the Life Assured attains age 70.
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How does this plan work?
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Who is eligible for this plan?
Unborn babies aged between 13 weeks of gestation to before birth, as well as anyone between 14 days old and 70 years old (attained age), are eligible to attach Zurich Infinite Care as a rider to selected regular premium investment-linked plans.
If you are an existing policyholder with Flex Maternity Care rider, you can activate the Option to Purchase New Policy for Child and attach this rider to your child's policy immediately after birth.
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Where can I get more information?
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Contact us