MEDICAL CARD / Zurich
ZURICH SMART HEALTH
Zurich Life Insurance Malaysia Berhad · Standalone medical card · 2 tiers · verified 24 Aug 2026
Plan A RM 1,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 250
- DEDUCTIBLE
- RM 500
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM500 per year; waived for emergency treatment, outpatient kidney dialysis & cancer treatment, and treatment at Government Healthcare Facilities
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan B RM 1,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 250
- DEDUCTIBLE
- RM 5,000
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM5,000 per year; waived for emergency treatment, outpatient kidney dialysis & cancer treatment, and treatment at Government Healthcare Facilities
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 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 RM1,000,000, no lifetime limit, R&B RM250/day unlimited days, deductible RM500 (Plan A)/RM5,000 (Plan B) per year waived for emergency treatment, outpatient kidney dialysis & cancer treatment and Government Healthcare Facilities; 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-smart-health
Premiums are quote-gated in Malaysia. Get an official quote from Zurich — we never publish invented premiums.