Zurich Prestige Cover
The plan that grows with you, for you
Introducing Zurich Prestige Cover, an endowment plan with 30 year coverage term that invests in your future while you work towards it. This plan comes with a short premium payment term of either 5, 10 or 20 years, allowing you to pay premium for a limited period while enjoying longer coverage term.
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 |
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.
Maturity Benefit
When the plan matures, you will receive a guaranteed maturity benefit to help maintain the lifestyle you want for a comfortable retirement, or leave a legacy to your children.
| Premium Payment Term | Maturity Benefit |
| Pay for 5 years | 130% of Total Premium Paid |
| Pay for 10 years | 120% of Total Premium Paid |
| Pay for 20 years | 110% of Total Premium Paid |
Guaranteed Acceptance with Hassle-Free Application
With Guaranteed Acceptance feature, any individual, regardless of their health condition, can sign up for this plan. We have also developed a hassle-free process with no medical check-up required, so you can have more time to enjoy the better things in life.
Disability Support Plan
With Zurich Prestige Cover, your financial safety is guaranteed with Total and Permanent Disability (TPD) benefit of up until age 70 and continuous disability coverage with Golden Age Disability benefit, which covers you until the maturity of the policy.
Flexibility to Meet Your Financial Needs
Zurich Prestige Cover provides flexible premium payment terms where you can choose to pay for 5, 10 or 20 years but remain protected for 30 years. In addition, you also can select your preferred BSA 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 Prestige Cover is open to anyone between 14 days old and 55 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 Life Insurance Malaysia Berhad or PIDM.