MEDICAL CARD / Zurich
ZURICH ESSENTIAL COVER
Zurich Life Insurance Malaysia Berhad · Standalone medical card · 1 tiers · verified 24 Aug 2026
| Tier | Annual limit | Lifetime | Room & board | Deductible | Co-ins. | Co-pay | ICU | Day surg. | Renewable | Entry age |
|---|---|---|---|---|---|---|---|---|---|---|
| Base Plan | — | — | — | — | — | — | — | — | — | — |
● WAITING PERIODS
- General: —
- Specified (120-day): —
- Pre-existing: —
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- pds-life/zurich-essential-cover-pds-en.txt (PDS dated 1 Jan 2026): 30-year term covering Death, TPD, Golden Age Disability (GAD) and Accidental Death Benefit; illustration (healthy 30yo male non-smoker, RM1,536/yr): Death/TPD/GAD RM300,000 or total premiums paid whichever higher (policy years 3-30; years 1-2 = all premiums paid); ADB add-ons: Balik Kampung +RM300k, Public Conveyance +RM600k, Overseas +RM900k, On-board Flight +RM1.2m, Natural Disaster +RM1.5m; premium duration 30 years; premium guaranteed; commission 28.5% of premium or RM2,626.56 over 6 years; grace 31 days; cooling-off 15 days; juvenile lien applies to Death/TPD before age 4; sum assured range not stated (illustration only)
Premiums are quote-gated in Malaysia. Get an official quote from Zurich — we never publish invented premiums.