Zurich Essential Cover

Searching for a life protection plan? Look no further than Zurich Essential Cover that offers you essential protections specially curated for you. A plan that is both affordable and flexible up to 30 years coverage term.

Zurich Essential Cover
Increasing Sum Assured
Min Sum Assured
Entry Age
14 years16 years - 70 years
Max Coverage
100 years
No Lapse Benefit
Not applicable


Cover Term
Protection up to age 100
Premium Type
Flat rate. Stays the same throughout coverage term.


How will Zurich help to secure your family's financial future?

Main CoverageCoverage PeriodAm I Protected?
  • from 16 up to 70  years old
  • Yes , up to 100% sum insured   or Total Premium Paid
Accidental Death
  • from 16 up to 70  years old
  • Yes , up to 100% sum insured   including Death Benefit
Public Conveyance Death
  • from 16 up to 70  years old
  • Yes , up to 200% sum insured   including Death Benefit
Total and Permanent Disability (TPD)
  • from 16 up to 70  years old
  • Yes , up to 100% sum insured   or Total Premium Paid

How to Claim

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

Zurich Customer Care Hotline

It's easy to make a claim. You can do so by clicking the "My Claims" on Zurich page, or you can also refer to your respective insurance agent. Alternatively, you may head over to any Zurich branch nearest to you to make a claim as well. 

To make a claim, kindly submit a claim form together with a few supporting documents such as:

  • Medical report
  • Hospital bill
  • Bank statement for proof of payment
  • A copy of your NRIC
  • Death Certificate (if needed)
  • NRIC copy of the Deceased (if needed)

After you compile all the necessary documents, you may either submit them to your respective agent or mail them to Zurich Main Office, addressed to General Claims:

Zurich Life Insurance Malaysia Berhad

Level 23A, Mercu 3,

No.3, Jalan Bangsar, KL Eco City, 

59200, Kuala Lumpur, Malaysia


Minimum Entry Age
At least 14 days of ageAt least 16 years of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 100 years of age

More Information

Good news for all! Until 30 September 2021, stand a chance to get a complimentary COVID-19 Post Vaccination Benefits when you apply for Zurich Essential Cover with at least RM2,400 worth of Total Annual Premium. Terms and conditions apply.

What is Zurich Essential Cover?

Underwritten by Zurich Life Insurance Malaysia Berhad, Zurich Essential Cover is a life protection plan specially curated for you that offers essential protections against unfortunate mishaps. 

Not only this life protection plan comes with affordable premiums suitable for all income bands, but Zurich Essential Cover also offers you the flexibility to choose your preferred coverage terms from 20 years up to 30 years and Basic Sum Assured (BSA) ranging from RM20,000 to RM300,000 to better meet your protection goal. 

To apply for Zurich Essential Cover, you do not need to undergo any medical check-ups or submitting health questionnaires. So rest assured that every application for this life protection plan is guaranteed!

What benefits do I get?

Zurich Essential Cover comes with benefits on Death, Total and Permanent Disability (TPD) and Golden Age Disability (GAD) - a disability coverage that starts from the age of 70 up to 100 years of age. The benefit payable for these three (3) benefits is higher than 100% of the Basic Sum Assured (BSA) or Total Premium Paid. 

Another benefit included in this life protection plan is Balik Kampung Accidental Death with benefit payable of Death Benefit + 100% of BSA. Plus, if you're an avid user of public transportation, you will also be covered with Public Conveyance Accidental Death that is payable of Death Benefit + 200% of BSA.

Should there be an unfortunate death that occurred outside of Malaysia, an Overseas Accidental Death with benefit payable of Death Benefit + 300% of BSA is applied. Meanwhile, the On-board Flight Accidental Death benefit payable is Death Benefit + 400% of BSA.

Last but not least, Natural Disaster Accidental Death is also offered in Zurich Essential Cover and the benefit payable is Death Benefit + 500% of BSA.

In summary, the benefits you will get are:

BenefitBenefit payable
Death / Total and Permanent Disability (TPD) / Golden Age Disability (GAD)Higher of 100% of BSA, or Total Premium Paid
Balik Kampung Accidental DeathDeath benefit + 100% of BSA
Public Conveyance Accidental DeathDeath benefit + 200% of BSA
Overseas Accidental DeathDeath benefit + 300% of BSA
On-board Flight Accidental DeathDeath benefit + 400% of BSA
Natural Disaster Accidental DeathDeath benefit + 500% of BSA

*Please do note that only the highest death benefit is payable and Accidental Death benefits is subject to a maximum limit of RM10 Million inclusive of any benefits as a result of an accident payable under other policies insuring the Life Assured.

How do I pay my premiums?

In support of the Go Green initiative, you may pay your premiums conveniently with E-Payment via MyPolicy on the Zurich page using your Current Account or Savings Account via FPX. Alternatively, you can also opt for Direct Debit, E-Wallet, or NETS to pay your premiums.

Am I eligible to apply for Zurich Essential Cover?

This life protection plan is open to anyone as young as 14 days old and up to 70 years old. But you should be at least 16 years of age to be eligible as the policy owner.

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