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Z-MedProtect Takaful

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 Takaful, a yearly renewable medical takaful with comprehensive coverage that covers your medical bills, ensuring you and your loved ones total peace of mind and will not be financially burdened.

image_icon_high overall annual limit
 

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.

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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.

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Guaranteed Renewable up to 100 years old

Enjoy the rewards of a well-lived life with continuous coverage into your golden age.


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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%.

No Claim Bonus
 

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 Person Covered Discount
 

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 Visit
 

Unlimited In-Hospital Physician Visits

Get extensive care from your attending in-hospital physicians while you are focusing on recovery.


Second Opinion For Surgeries
 

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
 

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
 

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
 

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
 

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.

Benefits
 Limit (RM)

Plan 1

Plan 2

 Plan 3   Plan 4

Plan 5

Overall Annual Limit

For Section A & Section B

 100,000
 300,000
 500,000 1,000,000 2,000,000
No Claim Bonus

Reduction of 10% on renewal contribution

(if no claims made)
Section A– Inpatient & Daycare Benefits
Hospital Room & Board (maximum 365 days per annum) 100  150 180   200 500
Intensive Care Unit As Charged (maximum 180 days per annum)
Hospital Supplies & Services As Charged
Daycare Procedures
 As Charged
Surgical Fees
 As Charged
Anaesthetist’s Fee As Charged
Operating Theatre Fee As Charged
In-Hospital Physician Visit (unlimited)  As Charged
Ambulance Fees  As Charged
Daily-Cash Allowance At Government Hospital 100 (maximum 365 days per annum)
Covered Child’s Daily Guardian Benefit 250 (maximum per disability)
Medical Reports Fees
 150 

Organ Transplant

(Heart, Kidney, Lung, Liver or Bone Marrow)

 As Charged 
Tax on Eligible Expenses
 As Charged 
Section B – Outpatient Benefits
Pre-Hospital Diagnostic Tests
 As Charged (within 60 days prior to hospitalisation)
Pre-Hospital Specialist Consultation  As Charged (within 60 days prior to hospitalisation)
Post Hospitalisation Treatment
  As Charged (within 90 days from hospitalisation)
Emergency Accident Outpatient Treatment
  As Charged (within 24 hours and follow-up treatment to a maximum of 60 days)
Outpatient Physiotherapy Treatment
  As Charged (within 90 days from discharge)
Outpatient Kidney Dialysis Treatment
  As Charged 
Outpatient Cancer Treatment
  As Charged 

Emergency Accident Outpatient Dental Treatment

 4,000 (per accident) 
Home Nursing Care
  4,000 (up to 180 days, lifetime maximum)
Second Surgical Opinion
  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

  50,000 (maximum per annum)
Funeral Expenses (All Causes)
  2,000
Section D - Optional

Deductible (Per Any One Disability)

Applicable for Section A Only

 Option  A   B C D
 Deductible Amount 0  5,000  10,000 20,000 
 Contribution Discount   0%   15% 30%  50% 
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).