MEDICAL CARD / Zurich
ZURICH SMART HEALTH
Zurich Life Insurance Malaysia Berhad · Standalone medical card · 2 tiers · verified 24 Aug 2026
| Tier | Annual limit | Lifetime | Room & board | Deductible | Co-ins. | Co-pay | ICU | Day surg. | Renewable | Entry age |
|---|---|---|---|---|---|---|---|---|---|---|
| Plan A | RM 1,000,000 | Unlimited | RM 250 | RM 500 | n/a% | Deductible RM500 per year; waived for emergency treatment, outpatient kidney dialysis & cancer treatment, and treatment at Government Healthcare Facilities | Yes | Yes | Yes | 0–70 |
| Plan B | RM 1,000,000 | Unlimited | RM 250 | RM 5,000 | n/a% | Deductible RM5,000 per year; waived for emergency treatment, outpatient kidney dialysis & cancer treatment, and treatment at Government Healthcare Facilities | 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 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
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