With Zurich Smart Health, you can select a Deductible that fits your budget, and the Deductible is waived for important treatments—such as emergency care, services at Government Healthcare Facilities, and outpatient treatments for cancer and kidney dialysis.
Maximize Your Health Coverage with Flexible Options
What benefits do I get?
Extensive Coverage, Zero Worries
Feel secure with an impressive annual limit of RM1,000,000 with no lifetime limit, ensuring protection until the age of 100.
Flexible, Just Like You
Choose a Deductible that suits your lifestyle. Select between 2 Deductible options: RM500 per year to minimise out-of-pocket costs or RM5,000 per year for lower premiums and greater long-term savings.
Emergency? We have got you covered
No Deductible is required if you are hospitalized for an emergency, for Out-Patient Kidney Dialysis and Cancer Treatment, or if treated at a Government Healthcare Facility.
Easy Hospital Admission
Simply show your medical card at any of our panel hospitals for a quick and smooth admission—no hassle, no stress.
Heartfelt Financial Support
In the unfortunate event of your passing, your family will receive RM10,000 as a compassionate benefit to ease the burden of funeral expenses.
Seamless Coverage Upgrade
After 5 years, step up to a new medical plan for better benefits and comprehensive medical protection without needing medical underwriting, subject to terms and conditions.| Plans | Plan A | Plan B | ||||||||||||||||
| Limit (RM) | ||||||||||||||||||
| Annual Limit | 1,000,000 | |||||||||||||||||
| Lifetime Limit | No lifetime limit | |||||||||||||||||
| Deductible1 (amount per year) | 500 | 5,000 | ||||||||||||||||
| In-Patient Benefits | ||||||||||||||||||
| Daily Hospital Room & Board (limit per day, unlimited number of days) | 250 | |||||||||||||||||
| Daily Cash Allowance at Government Hospital (limit per day, unlimited number of days) | 250 | |||||||||||||||||
| Intensive Care Unit or High Dependency Unit (maximum 120 days per policy year) | As charged | |||||||||||||||||
| Hospital Supplies & Services | ||||||||||||||||||
| Surgical Fees | ||||||||||||||||||
| Anaesthetist Fees | ||||||||||||||||||
| Operating Theatre Fees | ||||||||||||||||||
| Ambulance Fees | ||||||||||||||||||
Pre-Hospitalisation Diagnostic Tests
| ||||||||||||||||||
In-Hospital Specialist Visit
| ||||||||||||||||||
| Post-Hospitalisation Treatment (within 180 days after discharge)
| ||||||||||||||||||
| Organ Transplant (any organ, unlimited number of transplants) | ||||||||||||||||||
| Out-Patient Benefits | ||||||||||||||||||
Out-Patient Kidney Dialysis Treatment | As charged | |||||||||||||||||
Out-Patient Cancer Treatment | ||||||||||||||||||
Accidental Out-Patient Treatment (within 72 hours from accident and follow-up treatment, up to a maximum of 31 days) | As charged | |||||||||||||||||
| Day-Care Surgery | ||||||||||||||||||
| Out-Patient Physiotherapy Treatment (limit per policy year, within 180 days after discharge / surgery) | 5,000 | |||||||||||||||||
| Other Benefits | ||||||||||||||||||
| Intraocular Lens – Monofocal / Multifocal (limit per life on each eye) | 3,000 | |||||||||||||||||
| Medical Report Fees | As charged | |||||||||||||||||
| Special Benefits | ||||||||||||||||||
| Step Up Advantage | Life Assured is allowed to upgrade this plan to a new medical plan without medical underwriting, subject to terms and conditions | |||||||||||||||||
| Compassionate Benefit2 | 10,000 | |||||||||||||||||
| Emergency Assistance Program (EAP)2 | In accordance with the | |||||||||||||||||
Note:
1 The Deductible is applicable to all Eligible Medical Expenses except (i) Emergency Treatment, (ii) Out-Patient Kidney Dialysis and Cancer Treatment or (iii) Treatment sought at a Government Healthcare Facility.
2 Compassionate Benefit and Emergency Assistance Programme are not included in the Annual Limit.