Underwritten by Zurich Insurance Malaysia Berhad

Zurich MedicaLife 210E

Don't let rising medical costs bring you down. Be prepared to protect your loved ones with a medical card that provides high lifetime limit. Overseas coverage included!

    • Hospital Accommodation Up To 200 Days
    • 15-Day Cancellation Refund
View product disclosure sheet.


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 RM50000 up to RM200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM350000 up to RM1400000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM120 up to RM350per day up to 200 days
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      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
    • 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 up to 200 days and max 2 visits per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM50000 up to RM300000per lifetime
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM75000 up to RM400000per lifetime
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • 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
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      from RM300 up to RM750per disability
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM85per day up to 200 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 RM500 up to RM1500per disability
    • 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 RM100 up to RM120per disability
View more coverage details +


How much your premiums may cost

  • Budget Planner

    30 years old Brandon lives a frugal life and anything he gets is always the cheapest among all.

    Suggested PremiumRM630.00
    Get Quote
  • Office Admin

    At the age of 40, Simon is a white collar and he lives an ordinary life. He thinks it's better to prepare the umbrella before it rains.

    Suggested PremiumRM1118.00
    Get Quote
  • Retiree

    Johar has turned 56 and he realised that work is not everything in his life. Living a worry free and a healthy life is his priority now.

    Suggested PremiumRM2788.00
    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.

How to Claim

It takes only a minute or two to learn the proper way on making a claim and it certainly makes your claim process a whole lot less troublesome.

1) Notify Zurich of your incident that may give rise to a claim as soon as you can to have your claim reported without any future hiccup.

2) Fill up the claim form that you can get from Zurich's customer representative by calling 1300 888 622 or by sending an enquiry online.

3) Keep the below documents safe and get them ready:

  • Original itemised medical bill
  • Original payment receipt
  • Medical report

4) It's time to send all the documents to where they should be, the nearest Zurich branch to you!

You can always check on your claim status by giving a call to their customer service hotline.

Medical Assistance Hotline & Services
 1300800020 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 59 years of age
Maximum Renewal Age
At most 80 years of age

Frequently Asked Questions about Zurich MedicaLife 210E

Things you might want to know

What's the Zurich MedicaLife 210E all about?

You need the full protection of a comprehensive medical insurance plan to pay for expensive hospital bills and excessive surgical fees. We're willing to bet that the last thing you want to worry about when you go to the hospital is well...money!

With that said - having additional cash to cushion the blow to your financials during an emergency is not a luxury, but essential. Choose from 4 affordable insurance plans with in-patient and out-patient hospitalisation benefits, including access to the Emergency Medical Assistance Programme with protection of up to 1 million USD.

What's great about this Zurich medical card?

There are quite a few additional benefits that are unique to the Zurich MedicaLife 210E!

  • Guardian Benefits - Zurich will reimburse the expenses for meals and lodging for those accompanying you in the hospital regardless of your age!
  • Instant Hospital Admissions - just show your Zurich medical card at any participating hospitals in Malaysia for quick and easy admissions. Need to get into the ER at 3 a.m. on a Monday? Sure thing!

Who can apply for the MedicaLife 210E?

Anyone between the ages of 30 days up to 59 years old can apply for this medical card with Zurich. Renewal is also guaranteed up to your 80th birthday or when your lifetime Limit is exhausted.

Is there a waiting period?

Yes, there is a waiting period of 30 days from the effective date stated in your policy. However, this condition will be waived in the event of an accidental injury.

If I renew my MedicaLife 210E insurance policy, will the 30-day waiting period still apply?

Great news - no it won't, your policy is effective immediately!

How much can I claim each year?

Depending on your chosen plan, you may claim up to your overall annual limit for each year and up to the Lifetime Limit throughout your policy period.

Is there any deductible amount for each and every claim?

Unlike many medical insurance packages, there isn't any co-insurance or deductible option for this MedicaLife 210. All your bills will be paid in full by Zurich. 

Can I seek treatment at a non-panel hospital?

Yes, you can. However, you have to pay for all your medical bills first before you'll be able to submit a claim to Zurich for reimbursement.

Can I upgrade my plan anytime?

Yes, you may. However, any request to upgrade will be treated as a new application and may require you to provide updated details of your current health status.

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