Zurich MedicaGen 200 Medical Card

Zurich MedicaGen 200 Medical Card is renewable up to 75 years old. The benefits include high annual and lifetime limits, including added personal accident cover.

Zurich MedicaGen 200 Medical Card
Annual Limit
up to RM120k
Lifetime Limit
up to RM120k
Room & Board
up to RM360
Coverage Age
From 1 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM35k up to RM120k
Lifetime Limit
from RM35k up to RM120k
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM110 up to RM360per day up to 365 days
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Intensive Care Unit (ICU)
As charged per day up to 60 days
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged per day up to 365 days
Post-Hospitalisation Treatment
As charged within 31 days after discharge
Outpatient Kidney Dialysis Treatment
from RM11k up to RM36kper year
Outpatient Cancer Treatment
from RM22k up to RM72kper year
As charged within 90 days from discharge/surgery
Emergency Accidental Outpatient Treatment
As charged within 24 hours, follow-up treatment up to 31 days
Accidental Death
from RM50k 
Ambulance Fees
from RM350 up to RM1.2k
Cash Allowance at Government Hospital
from RM100 per day up to 365 days
Insured Child Guardian Benefit
from RM200 up to RM400per disability
Home Nursing Care
from RM1.5k per year
Government Service Tax (GST)
As charged 
Medical Report Fee
from RM80 up to RM100


Additional benefits with this insurance

No Claim Bonus
2 years no claim bonus at 300%
15 days cancellation refund
Hospital Accommodation
Up to 365 days

How to Claim

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

Medical Assistance Hotline & Services
Zurich Customer Care Hotline

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.


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

More Information

What is the Zurich MedicaGen 200 Medical Card?

Zurich 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. 

This Zurich medical card 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 this Zurich insurance cover?

Well like most plan the Zurich insurance 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 medical insurance 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.

What are the benefits of this medical insurance?

There are a couple that you might want to take note of. 

This medical insurance comes with high annual and lifetime limits and protection of up to 3 times the overall annual limit. 

Unlike most medical insurance plans, this Zurich medical card comes with and personal accident cover of RM50,000 as well.

Zurich MedicaGen 200 medical card 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 Zurich MedicaGen 200 Medical Card?

Anyone over the legal age can purchase Zurich MedicaGen 200 medical card, as and when you want to.

For parents who are picking this Zurich insurance up for their kids, they need to be at least a year old before they become eligible for the plan. 

The maximum entry age for this medical insuarance is before your 60th birthday. After which, the plan can be renewed up till the age of 75.

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