Underwritten by Zurich Life Insurance Malaysia Berhad

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.

    • Investment-Linked Policy
    • 15-Day Cancellation Refund


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 RM375000 up to RM2250000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit Except for Plan 1 with lifetime limit of RM750,000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged with 60 days prior to admission
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM160 up to RM380
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged with 60 days prior to admission
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day, up to 60 days per year
    • 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 for post-surgical care within 90 days from discharge
    • 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 max 200 days per annum
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged within 180 days from discharge or surgery
    • 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 within 72 hours and follow-up treatment up to 31 days
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM10000 up to RM40000
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM85max 200 days per annum
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM200 up to RM400
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged max 200 days per lifetime
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      from RM1 / As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM100 up to RM120
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Mira is a 25 year old graduate looking to get her first job and needs a full coverage medical insurance plan that comes with affordable monthly premiums.

    Suggested PremiumRM200.00
    Get Quote
  • School Teacher

    Cheong is a teacher in his 40's and is looking to get additional medical coverage to accommodate his age but with a reasonable monthly premium rate.

    Suggested PremiumRM300.00
    Get Quote
  • Homemaker

    Mrs.Leon is now 65 years of age and needs a comprehensive medical insurance plan with reasonable monthly premiums now that she retired, in case of emergencies.

    Suggested PremiumRM800.00
    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

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

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 69 years of age
Coverage Expiry Age
At most 100 years of age

Frequently Asked Questions about Zurich MegaMed Medical Card

Things you might want to know

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. 

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