Zurich FlexMed 2 Medical Card

Enjoy comprehensive medical insurance with Zurich FlexMed 2. With no Lifetime Limit up to the age of 100, this plan will cover you even in your golden years.

Zurich FlexMed 2 Medical CardBetter Benefits
Annual Limit
up to RM187.5k
Lifetime Limit
No limit
Room & Board
up to RM210
Coverage Age
30 days - 100 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM75k up to RM187.5k
Lifetime Limit
No limitExcept for Plan 1 with lifetime limit of RM750,000
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM160 up to RM210
Surgical Fees
As charged for post-surgical care within 90 days from discharge
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Medication and Treatment
As charged infectious disease
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged unlimited number of days
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Outpatient Kidney Dialysis Treatment
from RM50k up to RM150kmaximum limit per lifetime
Outpatient Cancer Treatment
from RM75k up to RM200kmaximum limit per lifetime
As charged within 180 days from discharge or surgery
Organ Transplant
As charged once per lifetime
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
As charged within 72 hours and follow-up treatment up to 31 days
Accidental Death
from RM10k up to RM20k
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM60unlimited number of days
Insured Child Guardian Benefit
from RM200 up to RM250
Home Nursing Care
As charged maximum 200 days per lifetime
Medical Report Fee
from RM100 up to RM120maximum limit per disability


Additional benefits with this insurance

Up to RM5,000

How to Claim

Who do I contact if I have a question or emergency?

Zurich Customer Care Hotline

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

Level 23A, Mercu 3,
No. 3, Jalan Bangsar, KL Eco City,
59200 Kuala Lumpur, Malaysia


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

More Information

What is Zurich FlexMed 2 Medical Card all about?

Zurich FlexMed2 is a medical insurance protection plan to ensure you get the right care when you need it. 

The plan offers you the benefit of No Lifetime Limit up to the age of 100. 

There are 2 comprehensive plans to choose from, each with all the coverage you could possibly need.

Select the plan you prefer and gain not only coverage, but a contingency for your loved ones to fall back on. 

The Zurich insurance also comes with a deductible programme of up to RM5,000.

How much does the medical card cover?

Both the plans offered with FlexMed 2 covers all hospital and medical expenses in relation to housing, use of hospital equipment, supplies and services. 

Both Zurich insurance plans also cover 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.

This Zurich medical card also comes with coverage for Infectious Diseases with a benefit of RM5,000 per disease diagnosed before the age of 70 years old. 

For an insured aged, 15 years old and under, the diseases covered are Cholera and Tuberculosis (TB). Insured aged 16 years old and above will be covered for Influenza A (Avian Influenza A -H7N9 & H5N1) and Malaria.

Who can apply for this Zurich insurance?

Anyone over the age of 18 can legally pick up this Zurich insurance as and when they need. 

However, to be 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.

Does Zurich FlexMed 2 Medical Card provide 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 FlexMed 2 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.