Underwritten by Zurich Insurance Malaysia Berhad

Zurich Flex Medical

Enjoy essential health care without having to worry about the costs, let Zurich take care of the rest. Get quick and convenient hospitalisation & treatment at any panel hospital.

    • Investment-Linked Policy
    • Hospital Accommodation Up To 200 Days
    • 15-Day Cancellation Refund

Apply online now for Zurich Flex Medical

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How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
  • Pre-Hospitalisation Diagnostic Tests
    This covers the cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM160 per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM50000 per lifetime
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM75000 per lifetime
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • Medical Assistance Services
      For costs incurred from on-site care and assistance by medical personnel.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM200 per disability
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged per lifetime
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged per lifetime
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM100 per disability
View more coverage details +


How much your premiums may cost

    Actual premium rates will be determined by Zurich Insurance Malaysia Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

    Suggested Premium is inclusive of 6% GST

    How to Claim

    To make a claim, simply head on over to the MyClaims portal on the Zurich Page, or go to any Zurich Branch or your respective insurance Agent. 

    You will be required to submit a claims form along with a few supporting documents such as;

    • Medical Reports
    • Hospital Bills
    • Bank statements for proof of payment
    • a copy of your NRIC

    Once you have it all together either send of to Zurich with your Agent or mail the documents to the Zurich Head Office, address to General Claims;

    Zurich Insurance Malaysia Berhad
    11th Floor, Menara Zurich,
    No. 12, Jalan Dewan Bahasa,
    50460 Kuala Lumpur, Malaysia

    Medical Assistance Hotline & Services
     1300800020 Emergency Assistance Programme
    Zurich Customer Care Hotline

    Panel Hospitals

    Find a hospital or clinic near you!


    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 30 days of age
    Maximum Entry Age
    At most 69 years of age
    Maximum Renewal Age
    At most 100 years of age

    Frequently Asked Questions about Zurich Flex Medical

    Things you might want to know

    What is the Flex Medical all about?

    The Flex Medical is one of the more comprehensive medical protection plans offered by Zurich Insurance. It offers you coverage up to the age of 100 and have no overall lifetime limit. This way you are good to enjoy unlimited medical protection for as long as you are covered under the policy.

    Also, this policy comes with a selection of 4 plans within it. Each with varying premiums and coverage schemes. Select the plan you are most comfortable with and have reassurance that Zurich will help pay your medical expenses according to the plan you choose. There is no co-insurance or deductible feature with this plan.

    How much does the plan cover?

    With the 4 plans to choose from each plan covers all hospital and medical expenses in relation to housing, use of hospital equipment, supplies and services. All the plans also cover to a certain degree pre- and post-hospitalization. If you require hospitalization, all pre-hospitalization diagnostic tests and specialist consultations will be covered by the insurance company.

    On that note, you will also have access to post-hospitalization treatment within 90 days of your discharge. Apart from that, there are also a few out-patient benefits that you might want to take note of. If you so required it, the plans all cover costs for kidney dialysis treatment, cancer treatments, physiotherapy and emergency accidental outpatient care.

    Following that, for patients with small children, the policy offers a child guardian benefit for day care. Along with that you will also have the benefits of home nursing care, if you have no one to care for you, post-hospitalization.

    Who can apply for this policy?

    Anyone over the age of 18 can legally pick up this plan as and when they need. However, to eligible for the protection, children need to be over 30 days old and the age band continues till the age of 69 years old.

    To enjoy coverage up the age of 100 you will need to have been registered with a policy before your 69th birthday. After that it will only be a matter of renewing the policy contract every year.

    Do I get a medical card?

    Sure you do! To avoid the hassle of getting into a hospital, especially when there’s an emergency, simply flash your Zurich Medical Card and let them handle the rest. Take note that to enjoy this cashless admission you will need to be at a Zurich Panel Hospital.

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