MEDICAL CARD / Zurich Takaful
MEDIAFYA+ (ZURICH MEDIAFYA+)
Zurich Takaful Malaysia Berhad · Medical rider on investment-linked policy · 4 tiers · verified 24 Aug 2026
Plan 200 (Deductible RM500) RM 500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 200
- DEDUCTIBLE
- RM 500
- CO-INS.
- n/a%
- CO-PAY
- —
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 300 (Deductible RM500) RM 1,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- RM 500
- CO-INS.
- n/a%
- CO-PAY
- —
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 200 (Deductible RM5,000) RM 500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 200
- DEDUCTIBLE
- RM 5,000
- CO-INS.
- n/a%
- CO-PAY
- —
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 300 (Deductible RM5,000) RM 1,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- RM 5,000
- CO-INS.
- n/a%
- CO-PAY
- —
- 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
- Official product page (zurich.com.my/takaful-products/protection/for-my-health/mediafya-plus) + BM/ENG brochure (downloaded 2026-08-25): Plan 200 annual RM500,000 / Plan 300 RM1,000,000, lifetime limit unlimited, R&B RM200/300 per day unlimited days, deductible RM500 or RM5,000 per year (waived for emergency treatment except emergency accidental outpatient and govt healthcare facilities), ICU/HDU as charged max 210 days/yr, pre-hosp 90 days, post-hosp 210 days, outpatient physio within 210 days, intraocular lens RM5,000/eye once per lifetime, second medical opinion RM1,000/yr, govt hospital daily cash RM200/300, EAP additional to annual limit, entry age 30 days-70 attained, renewable yearly to age 80, rider on selected ordinary family takaful plans (Tabarru' monthly from PIA), waiting 30/120 days, exclusions: pre-existing, specified illnesses first 120 days, conditions first 30 days (except accidents), suicide, war/terrorism. PDS PDF not published on site; brochure used.
Premiums are quote-gated in Malaysia. Get an official quote from Zurich Takaful — we never publish invented premiums.