Teras Perdana
5-in-1 protection plan with Guaranteed Cash Back at maturity!
Life is a journey that brings us challenge after challenge. Whether you’re buying your dream home or starting a new business, you’d want to have peace of mind while facing them all. Teras Perdana is an Endowment Plan that lets you have just that, by providing you the very basic and yet comprehensive coverage at very affordable premiums.
You’ll get the following benefits, plus the flexibility to choose either to take the maturity proceeds in a series of annual payment or in one lump sum. The choice is yours!
Cash Back on Maturity
If you keep the policy until maturity, you’ll get back the maturity proceeds. You may choose how you want the money back in one of the following ways:
- 120% of total premium paid* in a series of annual payment over a fixed number of years corresponding to the term of the policy.
- In one lump sum, which is equivalent to the discounted value of a series of annual payments. The choice is yours!
* Total premium paid is defined as total basic premium payable under the annual mode premium, excluding any optional rider premium.
Accidental Death & Dismemberment Protection
Pays the sum assured in the event of death or total and permanent disability (TPD), and a percentage of the sum assured (based on scale of benefits) on partial and permanent disability (PPD) of accidental causes up to age 65, anywhere.
Death Protection
In the event of death, pays your dependent the sum assured.
36 Critical Illnesses Coverage
Pays the sum assured upon diagnosis of any one of the 36 Critical Illnesses/Dread Diseases covered including cancer, heart attack, stroke, kidney failure and other diseases during the term of the policy and subject to standard exclusion including:
- Any pre-existing conditions
- Diagnosis within the 60 days of policy issue
- Self-inflicted injuries or wilful misuse of alcohol and drugs
- Injury or illness arising from participation in riot, strike, civil commotion, insurrection, war, invasion, aviation, motor or horse racing or submarine operations
- For juvenile insureds – any congenital defects
Protection Against Total and Permanent Disability (TPD)
In the event of TPD before age 60, pays you the sum assured.
Daily Hospital Income
Pays you daily hospital income (up to age 60 or the term of the policy, whichever is earlier) according to the plan selected, up to 90 days per year.
Schedule of Benefits
| PLANS | PLAN 1 | PLAN 2 | PLAN 3 | PLAN 4 | PLAN 5 | PLAN 6 | PLAN 7 |
| LIMIT (RM) | |||||||
| Death or TPD | 25,000 | 50,000 | 75,000 | 100,000 | 200,000 | 300,000 | 500,000 |
| 36 Critical Illnesses | 25,000 | 50,000 | 75,000 | 100,000 | 200,000 | 300,000 | 500,000 |
| Daily Hospital Income (up to 90 days per year) |
25 | 25 | 50 | 50 | 100 | 150 | 250 |
| Accidental Death & Dismemberment | 50,000 | 100,000 | 150,000 | 200,000 | 400,000 | 600,000 | 1,000,000 |
You can be insured with Teras Perdana if you are between 15 days and 55 years of age; however, the policyholder must be at least 16 years old.
Locate Your Nearest Zurich Branch
The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Life Insurance Malaysia Berhad or PIDM.