Zurich Essential Cover
Protecting your future with ease
Zurich Essential Cover provides the essential protections to ensure that you have what you need to protect yourself. With the Guaranteed Acceptance feature and flexibility to select from 20 or 30 years coverage term, you can enjoy a customized life protection plan that suits your financial situation.
Guaranteed Acceptance with Hassle-Free Application
Our Guaranteed Acceptance feature ensures that you will not be turned away from the protection you need. From entry age up to 70 years old, you can enjoy a hassle-free application as there will not be any medical check-ups or health questionnaire required.
High Protection of Up To 600% Basic Sum Assured (BSA)
The plan offers up to 600% of BSA1 in the event of the unfortunate incidents as listed below:
| Benefit | Benefit Payable |
| Death / Total and Permanent Disability (TPD) / Golden Age Disability (GAD) | Higher of 100% of BSA or Total Premium Paid |
| Balik Kampung Accidental Death | Death benefit + 100% of BSA |
| Public Conveyance Accidental Death | Death benefit + 200% of BSA |
| Overseas Accidental Death | Death benefit + 300% of BSA |
| On-board Flight Accidental Death | Death benefit + 400% of BSA |
| Natural Disaster Accidental Death | Death benefit + 500% of BSA |
1 Only the highest death benefit is payable. Accidental death benefits is subject to a maximum limit of RM10,000,000 inclusive of any benefits as a result of an accident payable under other policies insuring the Life Assured.
Disability Support Plan
Zurich Essential Cover provides a comprehensive disability protection that includes Total and Permanent Disability (TPD) benefit up to age 70 and continuous coverage with Golden Age Disability (GAD) benefit up to the end of the policy.
Stay Protected Affordably
With Zurich Essential Cover, you can provide a financial cushion for your dependents from as low as RM1.432 a day. Furthermore, the premium payable is guaranteed and remain the same throughout your coverage term.
2 Based on Life Assured aged 25, male, non-smoker, BSA of RM100,000 for coverage term of 30 years.
Flexibility to Meet Your Protection Goal
At Zurich, we understand that every individual has changing needs when moving into different life stages. This is why Zurich Essential Cover provides the flexibility to select your preferred coverage term from 20 or 30 years and you can select the BSA that suits your protection goal ranging from RM20,000 to RM300,000.
Note:
- In the event of death, TPD or GAD (other than due to accident) of the Life Assured within the first 2 policy years, all premiums paid from policy inception, less any indebtedness, will be refunded.
- Total premium paid shall mean the total premium payable under the Basic Policy calculated based on annual mode of payment (excluding any interest).
- For further details of terms and conditions, please refer to Product Disclosure Sheet, sales illustration and policy documents.
Zurich Essential Cover is open to anyone between 14 days old and 70 years old. However, the policy owner must be at least 16 years old.
The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Takaful Malaysia Berhad or PIDM.