Enhance Your Coverage With Our Riders
Provide a peace of mind to your family by enhancing your coverage with any of the following optional riders with Zurich Life Insurance Malaysia Berhad.
| Rider Name | Rider Description |
| Critical Care |
This rider provides coverage in the event that the Life Assured is first diagnosed to be suffering from any one of the 50 Critical Illnesses covered during the rider coverage term. It accelerates the payment of the basic plan sum assured up to as high as 100% depending on the rider sum assured. The rider coverage term is up to Life Assured's age 100 or maturity of basic plan, whichever earlier. |
| Payor Benefit Rider |
This rider will waive the premiums payable in the event the Payor dies, sustains Total and Permanent Disability (TPD) before age 70, or is diagnosed with any one of the Critical Illnesses defined under this rider. If Life Assured is a child, the rider coverage term is up to Life Assured age 25, expiry of premium payment term or maturity of basic plan, whichever is earliest. Any extension of coverage is subject to insurable interest requirement. If Life Assured is an adult, the rider coverage term is up to Payor's age 85, expiry of premium payment term or maturity of basic plan, whichever earliest. |
| Payor Benefit for Early Stage Critical Illness Rider |
This rider will waive the premiums payable for 5 Premium Years or remaining rider coverage term, whichever is shorter, in the event Payor is diagnosed with any one of the Early Stage Critical Illness defined under this rider. This rider can be attached to Basic Policy, if Payor Benefit Rider is attached. The rider coverage term is up to Payor's age 85 or maturity of the basic plan, whichever earlier. |
| Second Payor Rider |
This rider will waive the premiums payable in the event the Second Payor dies, sustains Total and Permanent Disability (TPD) before age 70, or is diagnosed with any one of the Critical Illnesses defined under this rider. This rider can be attached to Basic Policy, if Payor Benefit Rider is attached. The rider coverage term is up to Life Assured age 25 or maturity of the basic plan, whichever is earlier. Any extension of coverage is subject to insurable interest requirement. |
| Second Payor Rider for Early Stage Critical Illness Rider |
This rider will waive the premiums payable for 5 Premium Years or remaining rider coverage term, whichever is shorter, in the event Second Payor is diagnosed with any one of the Early Stage Critical Illness defined under this rider. This rider can be attached to Basic Policy, if Second Payor Benefit Rider is attached. The rider coverage term is up to Life Assured age 25 or maturity of the basic plan, whichever is earlier. Any extension of coverage is subject to insurable interest requirement. |