Underwritten by Zurich Life Insurance Malaysia Berhad

Zurich SeniorGold

Enjoy retirement and the golden years ahead with the only life insurance plan that promises guaranteed acceptance, level premiums that don't increase with age and no medical check-up required!

    • Up to RM86985 Accidental Death Benefit

Get covered now with Zurich SeniorGold

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What makes this insurance policy stand out?

  • Cover Type
    for senior citizen
  • Maximum Entry Age
    protection up to 100 years of age


How much you can claim for Zurich SeniorGold

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM3212 up to RM86985
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    Not Covered
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    Not Covered
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      up to RM3000
View more coverage details +


How much your premiums may cost

  • Retiree

    En. Mat is now retired and needs an affordable policy to cover him, so as not to trouble his children.

    Suggested PremiumRM50.00
    Get Quote
  • Homemaker

    Mrs. Teh is in her 50's and wants to have a small amount of coverage for herself, now that she's a widow.

    Suggested PremiumRM150.00
    Get Quote
  • School Teacher

    Mr Chin looks young but is approaching his 60's and his retirement. He's looking for an affordable plan once he stops working.

    Suggested PremiumRM200.00
    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

Before you go to make a claim with Zurich you will first want to download the proper claim form, so pick up the Zurich Takaful Personal Accident Claim form. Or to be completely sure, give them a call and have them send you the claim form they require along with a specialized list of documents. 

However, since that might take some time, here is a generalized list of the most essential or most important of documents. 

  • Police report
  • Medical report
  • Driving license of Participant (only for motor accidents)
  • Copy of Participant NRIC
  • Original Medical bills
  • Medical Leave certificate (if applicable)
  • Credit card statements/Bank Statements (as proof of payment)

Once you have everything in order, along with a written statement describing the incident that took place, make your way over to the nearest Zurich Takaful Office or call their customer care hotline at, 03 6287 6666 for further information.

Customer Service Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 50 years of age
Maximum Age
At most 80 years of age
Maximum Renewal Age
At most 100 years of age

Frequently Asked Questions about Zurich SeniorGold

Things you might want to know

Why should I get Zurich SeniorGold?

This is a personal accident, life protection policy for those of you in your golden years. Just as life doesn’t stop when you’re done with work and happily retired, protection shouldn’t either.

How protected am I?

Protect yourself or signup a parent for this plan with an affordable fixed premium of RM50 per unit, an expense you won’t even notice. The best part, your premiums remain the same no matter what your age.

What are the age requirements?

This policy is available to anyone between the ages of 50 and 80. You are not required to go for a medical check-up when signing on for this policy.

Furthermore, Zurich SeniorGold is a renewable policy that works for you even at the age of 100.

What benefits do I get?

Besides the high age entry and the low premiums, Zurich offers you an Accidental Death Benefit of up to 5x your basic sum assured. Of course this is exclusively available to you between the ages of 50 and 65. However, fear not, if you fall between 66 and 80 years old, the benefit applies to you at 3x the basic sum assured. If you are above 80 years of age you will be offered 2x the basic sum assured.

In the case that you happen to pass due to natural causes, you will receive the basic sum assured provided you've been on the plan for 2 years. If you haven't had the insurance for that long, maybe you're a new customer, any premiums that you have paid will be refunded to you.

Another thing, after retirement it is entirely common for people or couples to travel the world and explore new horizons. Zurich understands this and offers a repatriation benefit of up to RM3,000.

Added Income Tax Relief

Regardless of what happens in the future, here is what we can control. With the Zurich SeniorGold, you are entitled to a maximum of RM6,000 a year in income tax relief. This is a loan that tries to help at every turn, so ditch the stress and hit the apply now to sign up right now for some well-deserved peace of mind.

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