Underwritten by Zurich Life Insurance Malaysia Berhad

Zurich Flex Medical

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

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


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.
    from RM175000 up to RM225000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days prior to hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM280 up to RM380per day up to 200 days per annum
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days prior to hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 60 days a year
    • 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 for post-surgical care within 90 days from discharge
    • 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 2 visits per day up to 200 days per annum
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days from discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM225000 up to RM300000per lifetime
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM300000 up to RM400000per lifetime
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged within 180 days from discharge or surgery
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged once per lifetime
    • 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 within 72 hours from accident and follow-up treatment up to 31 days
    • 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 RM75 up to RM85per day up to 200 days per annum
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM300 up to RM400per disability
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 200 days per lifetime
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      up to RM120 per disability
View more coverage details +


How much your premiums may cost

  • Young Entrepreneur

    Rita is 25 and expanding her career, she needs an all encompassing medical coverage with affordable monthly premiums, to protect her in case of an emergency.

    Suggested PremiumRM200.00
    Get Quote
  • Business Traveller

    Heather is nearing her 40's and wants to extend her medical coverage but still be able to maintain her budget, with reasonable monthly premiums for great coverage.

    Suggested PremiumRM300.00
    Get Quote
  • Retiree

    Mr.Lee is in his 60's and recently retired, he needs a comprehensive personal medical plan to give him the coverage he needs while giving him affordable monthly premium. 

    Suggested PremiumRM800.00
    Get Quote

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

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

Medical Assistance Hotline & Services
 1300888622 Emergency Assistance Programme
Zurich Customer Care Hotline


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 2 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 2 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.

Any other benefits?

Yes of course. Zurich also offers an Emergency Assistance Programme to anyone who takes up this policy. It will give you the tools you need to gather the care you need in the event of an emergency. The coverage offered has a benefit of up to USD 1 Million available to all plans.

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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