Zurich Multi Shield

Disability Support Plan¹
Zurich Multi Shield provides Total and Permanent Disability (TPD) benefits up to age 70 and continuous coverage with Golden Age Disability (GAD) benefits up to age 100. In the event of TPD or GAD and if such disability persists for at least 6 months, 100%of Basic Sum Assured will be payable.

Terminal Cancer & Illness Care¹
In the event of diagnosis of such ailments, such as Terminal Illness or Terminal Cancer, 100% of Basic Sum Assured will be payable.

High Protection up to 600% of Basic Sum Assured (BSA)¹
Zurich Multi Shield offers high protection in the event of unfortunate incidents as listed below:

Note:

1. Only the highest death benefit is payable.
2. For further details of terms and conditions, please refer to product disclosure sheet, sales illustration and policy documents.

¹Only one of the death benefits, Disability Support Plan or Terminal Cancer & Illness Care is payable. The Disability Support Plan and the above accidental death benefits have a lifetime limit of RM10,000,000 whereas Terminal Cancer & Illness Care have a lifetime limit of RM8,000,000.

Guaranteed Maturity Benefit
Upon maturity, we pay up to 150% of the Basic Sum Assured (BSA) or 130% of Total Premium paid, depending on the coverage term, premium payment term and entry age.

*Total premium paid is based on annual premium mode and does not include loading (if any).

Spouse Care Privilege
Your spouse is entitled to purchase a new life policy of up to 50% of Basic Sum Assured with a capping at RM500,000 without going through the hassle of medical underwriting if you pass on.

Flexibility to Suit Your Needs
Based on your needs, we offer coverage term and premium payment term options as follows:

For 30 years coverage term, convertible option is available for continuous protection after your policy is matured. In addition, you can also enhance your protection with a wide range of riders.

Same Premium Across Premium Payment Term
With Zurich Multi Shield, the premium payable is guaranteed throughout the premium payment term and you may select your preferred premium payment mode.

No Medical Check-up Required
You can get higher protection without medical check-up of up to RM4,000,000. Please refer to the table below:

**Depending on the selected Basic Sum Assured, age and health condition of the Life Assured.

Note:

1. All benefits payable will be deducted by the amount due to us (if any).
2. For further details of terms and conditions, please refer to product disclosure sheet, sales illustration and policy documents.

The minimum entry age for this plan is 14 days old and maximum entry age is 70 years old. For Multi Shield-30 plan with limited pay of 20 years, the maximum entry age is 65 years old. However, the policy owner must be at least 16 years old.