Zurich Prestige Cover

Invest for a comfortable future for you and your loved ones with Zurich Prestige Cover, an endowment plan that ensures a longer coverage period with flexible premium payment terms. Get covered today with guaranteed acceptance!

Zurich Prestige Cover
Increasing Sum Assured
Min Sum Assured
Entry Age
14 years16 years - 55 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 55  years old
  • Yes , up to 100% sum insured   or Total Premium Paid, or Cash Value
Accidental Death
  • from 16 up to 55  years old
  • Yes , up to 100% sum insured   including Death Benefit
Public Conveyance Death
  • from 16 up to 55  years old
  • Yes , up to 200% sum insured   including Death Benefit

How to Claim

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

Zurich Customer Care Hotline

You can conveniently make a claim online. Just head over to the Zurich website and click on "My Claims" at the Menu bar. Alternatively, you may also pay a visit to the nearest Zurich branch to file a claim, or contact your respective insurance agent.

To make a claim, you will need to download and print out the claim form, along with some important documents for reference including:

  • 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)

Afterwards, you may compile all of the said documents and submit them to your agent, or mail them to the Zurich Main Office, addressed to General Claim:

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 55 years of age
Coverage Expiry Age
At most 100 years of age

More Information

From now until 30 September 2021, grab this chance to get a complimentary COVID-19 Post Vaccination Benefits when you sign up for Zurich Prestige Cover with a minimum of RM2,400 worth of Total Annual Premium! Terms and conditions apply.

What is Zurich Prestige Cover?

Building a comfortable future is difficult, especially if you don't have any plans at hand. Have you heard of a life protection plan? This type of insurance plan such as Zurich Prestige Cover comes with a 30-year long-term coverage for you and your family. With this policy, you can live a peaceful life knowing that you are all well covered from unfortunate events.

Zurich Prestige Cover offers its policyholders high Basic Sum Assured (BSA) ranging from RM20,000 up to RM300,000. It also comes with the flexibility to opt for any premium payment terms of your choice as short as 5 years, 10 years, or a maximum of 20 years -- either way, you and your loved ones will still be covered up until 30 years.

What are the key benefits of this plan?

First of all, Zurich Prestige Cover offers guaranteed acceptance with a hassle-free application! This means your application will be accepted by Zurich 100% without you having to undergo medical check-ups or submitting any health questionnaires, regardless of your health conditions. 

Next, depending on your choice of premium payment terms, you will get to enjoy high Maturity Benefits. Kindly see the table below for easy reference:

Premium Payment TermMaturity Benefit
Pay for 5 years130% of Total Premium Paid
Pay for 10 years120% of Total Premium Paid
Pay for 20 years110% of Total Premium Paid

*Please note that the Total Premium Paid above means the total premium payable under the Basic Policy calculated based on the annual mode of payment (excluding any interest). Plus, in the event of Death, TPD, or GAD (other than due to accident) of the Life Assured within the first 2 policy years, all premiums paid from policy inception, less any indebtedness, will be refunded.

Zurich Prestige Cover also offers protections towards Total and Permanent Disability (TPD), Golden Age Disability (GAD) and Accidental Death benefits as listed below:

BenefitBenefit payable
Death / Total and Permanent Disability (TPD) / Golden Age Disability (GAD)Highest of 100% of BSA, or Total Premium Paid, or Cash Value
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 note that only the highest death benefit is payable. Accidental death benefits are 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 can I pay for my premiums?

There are a few ways that you can pay for your premiums and the easiest to do so is via online payment. What you only need to do is go to the "MyPolicy" tab somewhere above the Zurich website, log in or sign up, select your current policy, and pay the amount that appeared by clicking on your preferred payment method.

Another way of paying is by using Direct Debit Deduction where you will need to register your current active bank account or credit card as your payment method. Zurich will then deduct your premiums every month automatically. You can also opt for E-Wallets such as GrabPay, Boost, or Touch 'n Go eWallet to pay for your premiums easily.

Who can apply for Zurich Prestige Cover?

Anyone can apply for Zurich Prestige Cover up until the age of 55 years. Those that are as young as 14 days old are also eligible to be covered by this plan. However, you should be at least 16 years old to become a policyholder.

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