Zurich Everlasting Cover

Always with you through good and bad times

Introducing Zurich Everlasting Cover, a whole life plan that covers death and disability up to age 100. In addition, this plan has a Guaranteed Acceptance with no medical check-up required.

Guaranteed Acceptance with Hassle-Free Application

We believe in accessibility for all and thus, Zurich Everlasting Cover will be available for registration without requiring any medical check-up and no application will be rejected.

Coverage Up To Age 100

With the coverage of up to age 100, Zurich Everlasting Cover is also dedicated to ensuring your peace of mind. Furthermore, you may select your choice of preferred Basic Sum Assured (BSA) ranging from RM20,000 to RM300,000.

Disability Support Plan

Zurich Everlasting Cover comes with Total and Permanent Disability (TPD) benefit up to age 70 and continuous coverage with Golden Age Disability (GAD) benefit up to age 100.

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)	Highest of 100% of BSA or Total Premium Paid or Cash Value
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

¹Only 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.

Maturity Benefit

When you reach the end of your policy year after your 100^th birthday, you will receive a guaranteed maturity benefit in a lump sum payment as follows.

Entry Age	Maturity Benefit
40 years old and below	150% of Basic Sum Assured
Above 40 years old	130% of Basic Sum Assured

Repatriation Benefit

In the event of death during their travels, the Life Assured’s nominee will be reimbursed up to RM3,000 per policy for repatriation expenses incurred when sending the Life Assured’s mortal remains back to the home country.

Note:

1. 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.

2. Total premium paid shall mean the total premium payable under the Basic Policy calculated based on annual mode of payment (excluding any interest).

3. For further details of terms and conditions, please refer to Product Disclosure Sheet, sales illustration and policy documents.

Zurich Everlasting Cover is open to anyone between 14 days old and 65 years old. However, the policy owner must be at least 16 years old.