Underwritten by Zurich Insurance Malaysia Berhad

Zurich MedicaGen 200

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

Apply online now for Zurich MedicaGen 200

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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
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM110 up to RM360per day up to 365 days
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      As Charged
    • 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
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist 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
      To help you recuperate after you've been discharged from the hospital.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM11000 up to RM36000per year
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments 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
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment due to an accident.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM50000
    • Ambulance Fees
      Charges for ambulance ride to the hospital and paramedic support.
      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 home nursing care due to sickness or injury.
      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
    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
    Get Quote
  • Retiree

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

    Suggested PremiumRM1754
    Get Quote

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

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 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

Panel Hospitals

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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