MAXMEDIC

Zurich Life Insurance Malaysia Berhad · Medical rider on investment-linked policy · 5 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 1	RM 50,000annual limit	RM 500,000	RM 110	n/a	10%	10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible	Yes	Yes	—	0–70
Plan 2	RM 75,000annual limit	RM 750,000	RM 160	n/a	10%	10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible	Yes	Yes	—	0–70
Plan 3	RM 100,000annual limit	RM 1,000,000	RM 210	n/a	10%	10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible	Yes	Yes	—	0–70
Plan 4	RM 125,000annual limit	RM 1,250,000	RM 310	n/a	10%	10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible	Yes	Yes	—	0–70
Plan 5	RM 150,000annual limit	RM 1,500,000	RM 400	n/a	10%	10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible	Yes	Yes	—	0–70

Plan 1 RM 50,000 annual limit

LIFETIME: RM 500,000
ROOM & BOARD: RM 110
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: 10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: 0–70

Plan 2 RM 75,000 annual limit

LIFETIME: RM 750,000
ROOM & BOARD: RM 160
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: 10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: 0–70

Plan 3 RM 100,000 annual limit

LIFETIME: RM 1,000,000
ROOM & BOARD: RM 210
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: 10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: 0–70

Plan 4 RM 125,000 annual limit

LIFETIME: RM 1,250,000
ROOM & BOARD: RM 310
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: 10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: 0–70

Plan 5 RM 150,000 annual limit

LIFETIME: RM 1,500,000
ROOM & BOARD: RM 400
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: 10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: 0–70

● WAITING PERIODS

Verified: 24 Aug 2026
Source: official PDS / product page
Official contract PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/maxmedic: unit-deducting rider on ILP; annual limits RM50k-150k, lifetime RM500k-1.5m; R&B RM110-400/day max 200 days/yr; 10% co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient); waiting 30 days general, 120 days specified; entry 14 days-70, renewal to age 80; renewable at prevailing insurance charges (guaranteed renewal not stated); cashless via MediExpress panel hospitals

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