Zurich Takaful Medica2015 Medical Card

Get the full package with a great plan, better coverage and better benefits. On top of that never have to be too worried that your protection will run out.

- Hospital Accommodation Up To 200 Days
- 1 Year No Claim Bonus At 20%
- Family Discount Starting At -1%
- 15-Day Cancellation Refund

Coverage
Premiums
How to Claim
Requirements
Guide / FAQ
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2019-05-272019-12-31

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Coverage

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 RM500000
Lifetime Limit
Know your lifetime limit, your medical card expires if you reached this amount.
No Limit
Pre-Hospitalisation Diagnostic Tests
This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
As Charged 90 days after hospitalisation or surgery
Room & Board
For the days that you spend in a hospital room instead of your own bed.
from RM150 up to RM1000per day, up to 200 days a year
- Pre-Hospitalisation Consultation
  What's covered for medical consultation prior to hospitalisation or day care.
  As Charged
- Second Medical Opinion
  In case you'd like the medical opinion of another physician before undergoing treatment.
  from RM500 per year
- Intensive Care Unit (ICU)
  Worsening conditions may require critical care in the specialised hospital ward.
  As Charged
- 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
- Diagnostic and Physiotherapy Procedures
  What's covered when diagnosing your condition and to get your back on your feet again.
  As Charged
- Hospital Specialist Fees
  Consultation cost for a hospital specialist that's provided by your health insurance policy.
  As Charged
- 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
- 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 90 days after hospitalisation or surgery
- Emergency Accidental Outpatient Treatment
  Cover for emergency outpatient treatment and follow up due to an accident.
  As Charged
- Funeral Benefits
  Cash compensation for funeral expenses if policyholder passes away during cover period.
  from RM5000
- accidentalDeath
  Coverage benefit for family if policyholder passes away due to an accident.
  up to RM5000
- 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 RM250per day, up to 200 days a year
- Insured Child Guardian Benefit
  Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
  from RM150 up to RM500
- Home Nursing Care
  How much you're allowed to claim for care from a government-licensed nurse at your home.
  from RM250 up to RM2000per 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.
  As Charged

View more coverage details +

Premiums

How much your premiums may cost

Budget Planner
Ahmad is someone relatively new to the work force and wants a worthwhile plan that won't break the bank.
Suggested PremiumRM979.44
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School Teacher
Zeke is looking to get a protection plan within her budget that will ease her medical insecurities.
Suggested PremiumRM2214.36
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Retiree
Mr K, is not as young as he once was, and wants medical protection that is easy to handle so that he's prepared for a rainy day.
Suggested PremiumRM9548.48
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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 medical claims, can be bothersome and due to the reason of the claim most people are not in the right state of mind to get everything together. So here is a list of things that you will need when making your medical insurance claim to Zurich Takaful;

Claims form
Police report (if related to Accident/Road Accidents)
Medical Report
Original itemised medical bills
Original medical receipts
Referral letter from doctors
Bank/Credit card statements (proof of payment)
Post mortem report and death certificate (in the case of death)
Proof of relationship to the claimant.

Once you have all the necessary information, along with a written statement of your own account, make your way over the nearest Zurich Takaful branch or call their customer care hotline for further information :+60362876666.

Medical Assistance Hotline & Services: 24-hour worldwide assistance services
Zurich Takaful Customer Care Hotline: +60362876666

Requirements

Am I eligible to apply for this insurance?

Minimum Entry Age: At least 30 days of age
Maximum Entry Age: At most 65 years of age
Maximum Renewal Age: At most 80 years of age

Frequently Asked Questions about Zurich Takaful Medica2015 Medical Card

Things you might want to know

What is the Medica2015 all about?

The Medica2015 is a Zurich Takaful medical insurance plan that aims to provide both the most necessary and the most affordable coverage to its users. There are various plans within in the product that allows you to pick the premium and coverage that suits you best without breaking the bank.

Who can apply for this policy?

Essentially, the plan is meant for everyone, as long as the applicant is over the legal age of 18 you can choose to purchase the plan. For those of you who would like to pick up the plan for your kids, feel free to do so. They can be eligible for this coverage as soon as they turn 30 days old.

How much does it cover?

You are covered in the case of accidents and death of course, but that also means, that if and when you required medical attention, then you won’t have to worry about hospitalization charges and specialist consultation fees. If you do require surgery at any one point, then this policy will take care of all fees as they are charged.

Also, if you are a parent, there is an aspect of coverage for child care services. Should you need post hospitalization care, you have coverage for home nursing care, kidney dialysis treatments, cancer treatments as well as physiotherapy.

How long am I covered for?

Since this is an annual plan, you will be covered for the entire duration of a year, after which you can renew your policy.

What if I want to cancel the plan?

If you so decide that you no longer need the plan, there is a 15-day cooling period where you can drop the policy and get a refund. However, after that cooling period, if you wanted to cancel the plan, there is no guarantee that you will be refunded for the premiums that you have put down.