Underwritten by Zurich Life Insurance Malaysia Berhad

Zurich MedicaGen 200 Medical Card

This is a medical policy that is renewable up to 75 years old. Benefits include the choice to pick from 4 different plans, with high lifetime limits, and added personal accident cover.

    • Hospital Accommodation Up To 365 Days
    • 2 Years No Claim Bonus At 300%
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for Zurich MedicaGen 200 Medical Card

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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.
    from RM35000 up to RM120000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM35000 up to RM120000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM110 up to RM360per day up to 365 days
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day up to 60 days
    • 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 up to 365 days
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 31 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM11000 up to RM36000per year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM22000 up to RM72000per year
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged within 90 days from discharge/surgery
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged within 24 hours, follow-up treatment up to 31 days
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM50000
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      from RM350 up to RM1200
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM100 per day up to 365 days
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM200 up to RM400per disability
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM1500 per year
    • 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.
      from RM80 up to RM100
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Meena is in her 20s and had worked as a part-time promoter when she was in college. The first thing she wants to get with her savings is a medical card.

    Suggested PremiumRM364.00
    Get Quote
  • School Teacher

    Paul, a 40 years old math teacher is getting himself a medical insurance as he is well aware that he can never afford to undergo major medical treatment.

    Suggested PremiumRM635.00
    Get Quote
  • Retiree

    At the age of 58, nothing is more important than a decent medical card for Patrick who has retired.

    Suggested PremiumRM1754.00
    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

Forget about pages of instructions and complicated rules to get your claim done, Zurich has the simplest guide to teach you how.

1) First, remember to inform Zurich of your circumstances the soonest possible within 30 days of your incident.

2) Request for a claim form from either your servicing agent, contacting Zurich customer careline at 1300 888 622 or fill up an online enquiry form.

3) Complete the claim form and attach it with the necessary documents such as an original medical bill, original receipt and physician's medical report.

4) Got everything with you? Sweet, deliver them to your nearest Zurich branch and leave them in their good hands.

5) If you prefer not to submit them personally, have your appointed agent to do it for you.

Zurich will process your claim promptly and notify you of any progress.

Medical Assistance Hotline & Services
 1800882318 24-hour assistance
Zurich Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 year of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 75 years of age

Frequently Asked Questions about Zurich MedicaGen 200 Medical Card

Things you might want to know

What is the MedicaGen 200 then?

MedicaGen 200, is a new and improved Zurich medical insurance cover that offers protection to all those who have it against the financial burden of having a medical catastrophe. It will prepare you for the sometimes-overwhelming cost of medical treatments and help you to concentrate your efforts on getting better instead of worrying about expenses.

How much does it cover?

Well like most plan the MedicaGen 200 covers all expenses for medical and hospital services. So that means everything from room and board, to the use of the ICU on to surgical fees and physician visits. These are all the costs covered by the policy itself.

However, the perks of this plan is that it also covers a select number of outpatient and post-hospitalization treatments. Such as kidney dialysis treatments, cancer treatments and physiotherapy should you require it. Also, in case you face any accidental injury after your surgery or hospitalization, the remedies for that will be covered by the policy.

Other than that, you will have coverage for child care, ambulance fees and home nursing care, if recommended by the doctors.

Are there benefits?

Well there are a couple that you might want to take note of. This policy comes with high annual and lifetime limits and protection of up to 3 times the overall annual limit. Unlike most medical insurance plans, this one comes with and personal accident cover of RM50,000 as well.

MedicaGen 200 is made up of 4 different plans within the policy, each with varying ranges of coverage and varying ranges for premiums. Therefore, you can choose to select and customize the plan you want to meet your needs and your budget as you see fit.

Who can get this plan?

Anyone over the legal age can purchase this plan, as and when you want to. For parents who are picking it up for your kids, they need to be at least a year old before they become eligible for the plan. Maximum entry age for this policy is before your 60th birthday. After which, the plan can be renewed up till the age of 75.

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