MEDICAL CARD / Zurich
ZURICH MULTI SHIELD
Zurich Life Insurance Malaysia Berhad · Standalone medical card · 1 tiers · verified 26 Aug 2026
Zurich Multi Shield —
- LIFETIME
- —
- ROOM & BOARD
- —
- DEDUCTIBLE
- —
- CO-INS.
- —
- CO-PAY
- —
- ICU
- —
- DAY SURG.
- —
- RENEWABLE
- —
- ENTRY AGE
- 14 days old–70
● WAITING PERIODS
- General: —
- Specified (120-day): —
- Pre-existing: —
● SOURCE
- Verified: 26 Aug 2026
- Source: official PDS / product page
- Zurich MY product page + PDS pds-multi-shield-100-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker illustration). Non-participating plan covering Death, TPD (to age 70), Golden Age Disability GAD (to age 100), Accidental Death, Terminal Illness (TI) and Terminal Cancer (TC); Death/TPD/GAD/TI/TC = RM500,000 (illustration) or cash value or Total Premium paid whichever higher; protection up to 600% BSA via accidental death ladders (Balik Kampung +100%, Public Conveyance +200%, Overseas +300%, On-board Flight +400%, Natural Disaster +500% of BSA); Guaranteed Maturity Benefit 150% of BSA (entry age <= 40) or 130% of Total Premium paid (entry age > 40); 30-year coverage convertible for continuous protection; Spouse Care Privilege up to RM250,000 without medical underwriting; min entry 14 days, max entry 70 (65 for 20-year limited-pay 30-year plan); optional riders: Accidental Death Benefit & RCC, Accident Indemnity, Personal Accident, ProLife 36 Super Rider, Hospitalisation Benefit Rider, Hospital & Surgical Benefit, Special Payor Benefit, Critical Care Premium Waiver; guaranteed annualised returns 1.30% if held to maturity (PDS); premium payable guaranteed throughout premium term; suicide exclusion within 1 year; PIDM-protected
Premiums are quote-gated in Malaysia. Get an official quote from Zurich — we never publish invented premiums.