MEDICAL CARD / Zurich
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 50,000 | 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 75,000 | 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 100,000 | 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 125,000 | 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 150,000 | 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 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- 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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