Zurich Omni Health Medical Card

Zurich Omni Health Medical Card takes a step further than just covering your medical bills. Stay in the pink of health and get rewarded with premium discounts.

Zurich Omni Health Medical Card10% Cash Back
Annual Limit
up to RM200k
Lifetime Limit
up to RM1.4m
Room & Board
up to RM350
Coverage Age
From 30 days
No. of Panel Hospitals
92
Investment-Linked Plan
No

Coverage

How much you can claim for hospital bills

Annual Limit
from RM100k up to RM200k
Lifetime Limit
from RM700k up to RM1.4m
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation. 10% co-insurance with a maximum of RM2000 applies.
Room & Board
from RM180 up to RM350per day, up to 200 days a year
Surgical Fees
As charged for post-surgery care within 60 days after discharge. 10% co-insurance with a maximum of RM2000 applies.
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation. 10% co-insurance with a maximum of RM2000 applies.
Intensive Care Unit (ICU)
As charged up to 60 days a year. 10% co-insurance with a maximum of RM2000 applies.
Hospital Services and Supplies
As charged 10% co-insurance with a maximum of RM2000 applies
Anaesthetist Fees
As charged 10% co-insurance with a maximum of RM2000 applies
Operating Theatre Fees
As charged 10% co-insurance with a maximum of RM2000 applies
In-Hospital Physician Visits
As charged 2 visits per day up to 200 days per year. 10% co-insurance with a maximum of RM2000 applies.
Post-Hospitalisation Treatment
As charged within 60 days after discharge. 10% co-insurance with a maximum of RM2000 applies.
Outpatient Kidney Dialysis Treatment
As charged Subject to lifetime limit of RM150000 up to RM300000. 10% co-insurance with a maximum of RM2000 applies
Outpatient Cancer Treatment
As charged Subject to lifetme limit of RM200000 up to RM400000. 10% co-insurance with a maximum of RM2000 applies.
Physiotherapy
As charged within 90 days after surgery. 10% co-insurance with a maximum of RM2000 applies.
Organ Transplant
As charged once per lifetime
Day Surgery
As charged 10% co-insurance with a maximum of RM2000 applies
Emergency Accidental Outpatient Treatment
As charged within 72 hours and follow-up treatment up to 31 days. 10% co-insurance with a maximum of RM2000 applies.
Ambulance Fees
As charged 10% co-insurance with a maximum of RM2000 applies
Cash Allowance at Government Hospital
from RM60 up to RM85per day, up to 200 days a year
Insured Child Guardian Benefit
from RM250 up to RM400per disability
Home Nursing Care
from RM750 up to RM1.5kper disability
Medical Report Fee
from RM120 up to RM120per disability

Features

Additional benefits with this insurance

Co-insurance
Up to 10%
No Claim Bonus
1 year no claim bonus at 10%
Refund
15 days cancellation refund
Hospital Accommodation
Up to 200 days

How to Claim

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

Zurich Customer Care Hotline

Making a claim might seem easy but if it's not done right, you could end up in a big mess. Zurich discharges you of your medical bills in two ways, with medical card or without:

Medical Card

Zurich Omni Health comes with a medical card that gives you a cashless experience just like a credit card. Here are the simple steps to put it into use:

  1. Whenever hospital admission is required, present your medical card to the hospital attendant and any deposit or upfront payment that otherwise would have been needed will be waived
  2. Your admission will be prioritised compared to those who do not hold a medical card
  3. Upon hospital discharge, all you got to settle is any co-insurance charges and the rest of your medical bill will be covered by Zurich
  4. These only apply if you are admitted to any of the Zurich panel hospitals

Without Medical Card

  1. The very first thing you'll have to do is notify Zurich of your incident as soon as possible
  2. Download and complete the Accident and Hospitalisation Claim Form. Do note that the second part of the form has to be filled in by your attending doctor
  3. You'll need to submit few supporting document as a prove such as hospital bills, police report (for accident), admission and discharge notes, and any medical reports that you might have
  4. Submit all completed documents to Zurich head office or your nearest branch and it's done!

Requirements

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

More Information

How does Zurich Omni Health medical card benefit me?

Getting bedridden in a hospital is already depressing enough, you would never want to be hit by another wave of tragedy where you find yourself financially incapable of settling the medical bills at the end of the day. 

This is where Zurich Omni Health medical card comes to the rescue!

Medical treatment and services such as Room and Board, administration of anaesthesia, diagnostic tests prior to hospitalisation, intensive care unit, surgery, out-patient treatment and many others do not come cheap at all. 

This medical insurance covers them all up to your policy's lifetime limit so you can concentrate on getting recovered.

Are there any special benefits that this medical insurance offer?

Certainly, Zurich Omni Health is more than just an ordinary medical insurance. 

Other than the extensive protection it provides, you can also enjoy 10% cashback on the premiums paid in the preceding year upon renewal if no claims have been made.

Zurich Insurance Malaysia does not treat a person with health issues any differently from the others but gives extra attention and support to those who are in need. 

Z Wellness Care programmed is specially designed to improve your health condition by giving professional guidance and regular assessments. 

You will be placed under this programme if you have health diseases such as high cholesterol or obesity at the point of application.

The most interesting part of this medical card is if you successfully get rid of your diseases or at least bring them down to a level that meet their requirements at the end of the programme, Zurich insurance Malaysia will give you a massive discount on your premium as a reward!

What is co-insurance and does it apply for this Zurich insurance?

Co-insurance basically means your share of the cost of the claims made.

Simply put, it is the portion of medical fees claimed that you have to pay out of your pocket before the insurer could cover the rest.

Yes, Co-insurance of 10% is levied on your total medical expenses and the maximum chargeable amount is RM2000.

But hey, on the bright side is it's not applicable to all benefits.

How many plans are there in Zurich Omni Health medical card?

With Zurich Omni Health medical card, you have the flexibility to choose from 3 different plans, being Silver, Gold and Platinum depending on your budget. 

The three medical insurance policy share the same coverage, what makes them different is the amount covered for each benefit.