MediAfya
Health and wellbeing hand in hand
At Zurich Takaful, we are always looking for ways to help you prepare for the unexpected. This is why we introduced MediAfya, an optional medical rider that gives you the medical care you need with hassle-free admission at any of our panel hospitals.
Comprehensive Medical Coverage
MediAfya puts your mind at ease with its comprehensive coverage, ranging from diagnostic tests performed prior to hospitalisation to post-hospitalisation treatments, and out-patient benefits including cancer and kidney dialysis treatments.
Annual Protection of up to RM350,000 with No Lifetime Limit
This medical rider comes with no lifetime limit for your peace of mind. Even better, the plan is guaranteed renewable up to the age of 80.
Covering You in Times of Need
In the event that you are hospitalised due to an accident, the Co-Takaful will be waived and you can focus on your road to recovery.
Government Hospital Benefit
Enjoy zero Co-Takaful if you are admitted to a Semi-Government or Government Hospital. For admission to a Government Hospital, you will also receive a daily cash allowance of up to RM280.
Hassle-free Hospital Admissions
MediAfya comes with the convenience of cashless hospitalisation. This enables you to a speedy admission when you show your medical card at any of our panel hospitals.
Note: Terms and conditions apply.
Schedule of Benefits
| Plans | Plan 180 | Plan 280 | ||
| Overall Limit | Limit (RM) | |||
| Annual Limit | 250,000 | 350,000 | ||
| Lifetime Limit | No lifetime limit | |||
| In-Patient Benefits | ||||
| Daily Hospital Room & Board (limit per day, unlimited number of days) |
180 |
280 |
||
| Daily Cash Allowance at Government Hospital (limit per day, unlimited number of days) |
180 |
280 |
||
| Intensive Care Unit or High Dependency Unit (maximum 120 days per annum) |
As Charged, subject to any Co-Takaful1 |
|||
| Hospital Supplies & Services | ||||
| Surgical Fees | ||||
| Anaesthetist Fees | ||||
| Operating Theatre Fees | ||||
| Ambulance Fees | ||||
|
In-Hospital Specialist Visit
|
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| Organ Transplant (any organ, unlimited number of transplants) |
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| Out-Patient Benefits | ||||
|
Pre-Hospitalisation Diagnostic Tests
|
As Charged, subject to any Co-Takaful1 |
|||
|
Post-Hospitalisation Treatment (within 180 days after discharge)
|
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| Day-Care Surgery | ||||
| Emergency Accidental Out-Patient Treatment
(within 72 hours and follow-up treatment up to a maximum of 31 days) |
As Charged |
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| limit under the below Out-Patient Benefits is additional to the Annual Limit | ||||
| Out-Patient Kidney Dialysis Treatment (limit per annum)2 |
150,000 |
250,000 |
||
| Out-Patient Cancer Treatment (limit per annum)2 |
||||
| Out-Patient Physiotherapy Treatment (limit per annum, within 180 days from discharge/surgery) |
5,000 |
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| Other Benefits | ||||
| Intraocular Lens – Monofocal / Multifocal (once per lifetime, limit on each eye) |
3,000 | 5,000 | ||
| Second Medical Opinion –Critical Illness Treatment (limit per annum) |
1,000 |
|||
| Medical Report Fee | As Charged | |||
| Emergency Assistance Program (EAP) (The limit under EAP is additional to the Annual Limit) |
In accordance with the benefit provisions in EAP agreement | |||
1A Co-Takaful of 10% from the eligible medical expenses shall apply, subject to a maximum of RM1,000 per Rider Certificate Year. However, Co-Takaful will be waived for admission to Malaysian Government / Semi-Government Hospital (due to any cause) or Private Hospital (due to accident only).
2Out-Patient Kidney Dialysis Treatment and Out-Patient Cancer Treatment benefit limit per annum is a combined limit.
The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Takaful Malaysia Berhad or PIDM.
Zurich Takaful beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibuat. Jumlah Tabarru’ akan dimasukkan ke dalam Akaun Pelaburan Risiko Peserta (APRP / Participant Risk Investment Account) di mana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar daripada APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan Zurich Takaful mengikut nisbah 50:50. Keuntungan daripada pelaburan yang diperolehi daripada Akaun Pelaburan Peserta (APP / Participant Investment Account) adalah berdasarkan kepadaaset yang disandarkan dan Zurich Takaful akan mengenakan bayaran Yuran Wakalah Bi al-Istithmar (Yuran Wakil Pelaburan) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai, tolak Yuran Wakalah Bi al-Istithmar seperti dinyatakan, akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.