Zurich

Underwritten by Zurich Insurance Malaysia Berhad

Zurich Early Care Critical Illness

Upon a diagnosis of any critical illness, have complete financial security for your treatment and recovery, including rehabilitation benefits and a second medical opinion allowance.

    • Non-Increasing Premiums
    • Income Tax Relief
    • Early Stage Illness Payout
    • Refund Within 15 Days Cancellation

Get protected now with Zurich Early Care Critical Illness

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Contact Info

Who do I contact for any inquiries?

Zurich Hotline
  •  1300888622
  • Coverage

    What can I claim from this insurance policy?

    Coverage Type 
    • Cancer

      Cancer

    • Major Organ Related Illnesses

      End Stage Kidney Failure
      Covered
      Medullary Cystic Disease
      Not Covered
      Systemic Lupus Erythematosus With Lupus Nephritis
      Covered
      End Stage Liver Failure
      Covered
      End Stage Lung Disease
      Covered
      Fulminant Viral Hepatitis
      Covered
      Primary Pulmonary Arterial Hypertension
      Covered
      Chronic Aplastic Anemia
      Covered
      Terminal Illness
      Covered
      Major Organ Transplant
      Covered
      Bone Marrow Transplant
      Covered

    • Heart Related

      Heart Attack
      Covered
      Other Serious Coronary Artery Disease
      Covered
      Heart Valve Surgery
      Covered
      Surgery To Aorta
      Not Covered
      Severe Cardiomyopathy
      Not Covered
      Coronary Artery Bypass Surgery
      Covered
      Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
      Covered
      Artery Disease
      Covered

    • Brain Related

      Brain Surgery
      Covered
      Benign Brain Tumor
      Covered
      Coma
      Covered
      Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
      Covered
      Disorders
      Covered
      Loss Of Independent Existence
      Not Covered
      Motor Neuron Disease
      Covered
      Multiple Sclerosis
      Covered
      Muscular Dystrophy
      Covered
      Paralysis Or Paraplegia
      Covered
      Parkinson's Disease
      Covered
      Stroke
      Covered

    • Infection Related

      Bacterial Meningitis
      Covered
      Encephalitis
      Covered
      HIV Due To Blood Transfusion
      Covered
      Occupationally Acquired HIV
      Covered
      HIV Due To Infection
      Not Covered
      Full Blown AIDS
      Covered

    • Accident Related

      Major Burns
      Covered
      Major Head Trauma
      Covered

    • Sensory Loss

      Deafness Or Total Loss Of Hearing
      Covered
      Loss Of Speech
      Covered
      Blindness Or Total Loss Of Sight
      Covered

    Requirements

    Are you eligible to apply for this insurance?

    Minimum Age
    At least 30 days of age
    Maximum Age
    At most 60 years of age

    Frequently Asked Questions about Zurich Early Care Critical Illness

    Things you might want to know

    So what is Zurich's Early Care Critical Illness all about?

    As with it's namesake, you will receive critical illness payout on early diagnosis of major medical conditions such as cancer, a rehabilitation or 'get-well' benefit, along with second medical opinion allowance for both early and advance stage illnesses.

    Okay, who can apply for this CI insurance policy?

    Anyone between 30 days old to 60 years old can purchase this CI insurance plan as a rider to supplement a regular premium investment-linked plan.

    Tell me more about the second medical opinion benefit?

    If you're not sure that you should go for that surgery or treatment - you can request for a lump sum benefit of RM2,000 to enable you to choose a specialist of your choice to access your condition and give you a second opinion.

    Your second medical opinion payout can only be given once, and covers you up to the age of 85. There will be no such benefit for diagnosis for Angioplasty, and other treatments for major coronary artery diseases.

    Will my insurance payout differ if I claim at a later stage of illness?

    Yes, of course - this is not uncommon for critical illness policies. For a end stage critical illness, you can receive up to 100% of your sum assured, payable upon diagnosis. BUT, provided only if you have not claimed for early stage illnesses before. End stage critical illness will be covered up to age 100.

    For an early diagnosis of a severe medical condition, you will receive only 50% of your sum assured upon diagnosis. This is by no means a small amount - for example, if your initial sum assured is RM300,000, you will stand to receive RM150,000 to facilitate your recovery and daily expenses. This benefit will cover you up to age 85.

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