MY://INSURANCE [F1] HELP [D] DATA [I] INDEPENDENCE

AS-OF 2026-08-24 VERIFIED

PAMB 9TIER — PRUBSN 5TIER — AIA 9TIER RM 1,500,000 ALLIANZ 2TIER RM 3,000,000 ETIQALIFE 9TIER RM 50,000 SUNLIFE 2TIER RM 2,000,000 GENERALI 10TIER RM 110,000 AMMETLIFE 2TIER RM 100,000 GELIFE 1TIER — ZURICH 12TIER RM 50,000 FWD 1TIER — MANULIFE 1TIER RM 3,000,000 HLA 1TIER RM 2,500,000 MCIS 20TIER RM 150,000 ETIQAFAMILY 11TIER RM 60,000 SUNLIFETAKAFUL 8TIER RM 300,000 FWDTAKAFUL 9TIER RM 50,000 GETAKAFUL 6TIER RM 1,500,000 ZURICHTAKAFUL 4TIER RM 500,000 AIAPUBLICTAKAFUL 4TIER RM 1,500,000 AMMETLIFETAKAFUL 1TIER RM 100,000 TAKAFULIKHLAS 3TIER RM 250,000 TMKL 3TIER RM 550,000 TOKIOMARINE 27TIER RM 100,000 PAMB 9TIER — PRUBSN 5TIER — AIA 9TIER RM 1,500,000 ALLIANZ 2TIER RM 3,000,000 ETIQALIFE 9TIER RM 50,000 SUNLIFE 2TIER RM 2,000,000 GENERALI 10TIER RM 110,000 AMMETLIFE 2TIER RM 100,000 GELIFE 1TIER — ZURICH 12TIER RM 50,000 FWD 1TIER — MANULIFE 1TIER RM 3,000,000 HLA 1TIER RM 2,500,000 MCIS 20TIER RM 150,000 ETIQAFAMILY 11TIER RM 60,000 SUNLIFETAKAFUL 8TIER RM 300,000 FWDTAKAFUL 9TIER RM 50,000 GETAKAFUL 6TIER RM 1,500,000 ZURICHTAKAFUL 4TIER RM 500,000 AIAPUBLICTAKAFUL 4TIER RM 1,500,000 AMMETLIFETAKAFUL 1TIER RM 100,000 TAKAFULIKHLAS 3TIER RM 250,000 TMKL 3TIER RM 550,000 TOKIOMARINE 27TIER RM 100,000

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MEDICAL CARD / Zurich

ZURICH ICARE MEDIC

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
Plan 180	RM 500,000	Unlimited	RM 180	RM 250	n/a%	Deductible RM250 per policy year; waived for ICU/HDU admission and outpatient kidney dialysis & cancer treatment at Malaysian Government/Semi-Government Hospital	Yes	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
PDS EN PDF (valid as at 01/01/26, downloaded 2026-08-25): annual limit RM500,000, no lifetime limit, R&B RM180/day unlimited days, deductible RM250/policy year; coverage starts 30 days (except accidents), specified illnesses 120 days; entry 14 days-70 attained age, coverage to age 100, renewal guaranteed but premium rates not guaranteed; cashless basis; product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-icare-medic

Premiums are quote-gated in Malaysia. Get an official quote from Zurich — we never publish invented premiums.

[!] THIS IS NOT FINANCIAL ADVICE. BENEFITS CHANGE — ALWAYS CONFIRM ON THE INSURER'S OFFICIAL SITE.