Underwritten by Zurich Life Insurance Malaysia Berhad

Zurich Omni Health

Zurich Omni Health takes a step further than just covering your medical bills. Stay in the pink of health and you will get rewarded with premium discounts. Already have particular health setback when purchasing this plan? Zurich will help you bounce back up!

    • 10% Co-Insurance Up To RM2000
    • Hospital Accommodation Up To 200 Days
    • 1 Year No Claim Bonus At 10%

Apply online now for Zurich Omni Health

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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 RM100000 up to RM200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM700000 up to RM1400000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    As Charged within 60 days before hospitalisation. 10% co-insurance with a maximum of RM2000 applies.
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM180 up to RM350per day, up to 200 days a year
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation. 10% co-insurance with a maximum of RM2000 applies.
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 60 days a year. 10% co-insurance with a maximum of RM2000 applies.
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged 10% co-insurance with a maximum of RM2000 applies
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged for post-surgery care within 60 days after discharge. 10% co-insurance with a maximum of RM2000 applies.
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged 10% co-insurance with a maximum of RM2000 applies
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged 10% co-insurance with a maximum of RM2000 applies
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged 2 visits per day up to 200 days per year. 10% co-insurance with a maximum of RM2000 applies.
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 60 days after discharge. 10% co-insurance with a maximum of RM2000 applies.
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged Subject to lifetime limit of RM150000 up to RM300000. 10% co-insurance with a maximum of RM2000 applies
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged Subject to lifetme limit of RM200000 up to RM400000. 10% co-insurance with a maximum of RM2000 applies.
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged within 90 days after surgery. 10% co-insurance with a maximum of RM2000 applies.
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged 10% co-insurance with a maximum of RM2000 applies
    • 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. 10% co-insurance with a maximum of RM2000 applies.
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged 10% co-insurance with a maximum of RM2000 applies
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM60 up to RM85per day, up to 200 days a year
    • Guardian Benefit
      Reimbursement of expenses for guardians of insured who are admitted into the hospital ward.
      from RM250 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 RM750 up to RM1500per disability
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      RM120per disability
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Only started working for 6 months, Saidah who is at the age of 24 plans to get herself an affordable medical insurance to better secure her future.

    Suggested PremiumRM1269.88
    Get Quote
  • Office Admin

    35 years old Mei Ching was admitted to hospital once before she had any medical insurance. Once bitten twice shy, she is more than eager to invest in an above average insurance plan now.

    Suggested PremiumRM2385.00
    Get Quote
  • Machinery Operator

    Constantly exposed to dust and fumes, 34 years old Ah Choi is well aware that he has to pay extra for premium but nothing's gonna stop him from getting rid of his medical woes.

    Suggested PremiumRM3100.50
    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

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!
Zurich Customer Care Hotline

Panel Hospitals

Find a hospital or clinic near you!


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 Omni Health

Things you might want to know

How does this medical insurance 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 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 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% cash back on the premiums paid in the preceding year upon renewal if no claims have been made.

Zurich 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 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 will give you a massive discount on your premium as a reward!

How many plans are there in Zurich Omni Health?

You have the flexibility to choose from 3 different plans, being Silver, Gold and Platinum depending on your budget. They share the same coverage, what makes them different is the amount covered for each benefit.

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

Co-insurance basically means your share of 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.

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