Z-MedProtect

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.

High Overall Annual Limit, No Lifetime Limit

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.

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.

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.

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%.

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.

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.

Schedule of Benefits

Benefits	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
	Limit (RM)
LIMITS
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 premium (if no claims made)
SECTION A - Inpatient & Daycare Benefits
Daily Hospital Room & Board	100	150	180	200	500
	(Maximum 365 days per annum)
Intensive Care Unit	As Charged (maximum 180 days per annum)
Hotel 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)
Insured 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 Repartiation	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
	Premium Discount	0%	15%	30%	50%

Note: The amount of benefits payable will be subject to medically necessary, reasonable and customary charges incurred for a covered disability.

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).