Zurich MegaMed Medical Card

Zurich MegaMed Medical Card provides comprehensive protection plan with coverage for everything you could possibly need. No lifetime limit up to the age of 100.

Zurich MegaMed Medical CardComprehensive Protection
Annual Limit
up to RM2.3m
Lifetime Limit
No limit
Room & Board
up to RM380
Coverage Age
30 days - 100 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM375k up to RM2.3m
Lifetime Limit
No limitExcept for Plan 1 with lifetime limit of RM750,000
Pre-Hospitalisation Diagnostic Tests
As charged with 60 days prior to admission
Room & Board
from RM160 up to RM380
Surgical Fees
As charged for post-surgical care within 90 days from discharge
Pre-Hospitalisation Consultation
As charged with 60 days prior to admission
Intensive Care Unit (ICU)
As charged per day, up to 60 days per year
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged max 200 days per annum
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
As charged within 180 days from discharge or surgery
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 RM40k
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM85max 200 days per annum
Insured Child Guardian Benefit
from RM200 up to RM400
Home Nursing Care
As charged max 200 days per lifetime
Government Service Tax (GST)
As charged from RM1 
Medical Report Fee
from RM100 up to RM120


Additional benefits with this insurance

Investment Linked Plan
15 days cancellation refund

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 Life 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 the Zurich MegaMed Medical Card all about?

Zurich MegaMed is a medical insurance plan open to anyone who wants to be proactive and requires a comprehensive medical insurance policy. 

The Zurich insurance comes with coverage for all sorts of medical maladies and procedures that one might need in their lifetime.

More importantly, it comes with a chance at peace of mind for both the insured and their loved ones.

You will have 4 plans to choose from, each with various feature and premiums to fit your needs. 

Select the plan best suited to you and get access to coverage that is worthy of your time and resources.

How much does the Zurich medical card cover?

All the plans offered with this Zurich medical card covers all hospital and medical expenses in relation to housing, use of hospital equipment, supplies and services. 

Both medical 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.

Zurich MegaMed Medical Card with the added benefit of coverage for a secondary medical opinion. 

This is because sometimes illnesses may require a different set of expertise to battle. If you are found to be in this case, remember that the plan offers for Overseas Medical Treatment in Singapore. 

Which means you can be treated and receive care and consultation at any Singaporean medical hospital and have reimbursement for the cost.

Please also take note that these Zurich medical card benefit does come with its own set of terms and conditions you may want to consult prior to making your decision.

Who can apply for this medical insurance?

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

However, to 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.

Will Zurich Malaysia provide a medical card?

Of course! To avoid the hassle of getting into a hospital, especially when there’s an emergency, simply flash your Zurich MegaMed 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.