Zurich Medical Insurance

With 150 years of experience in insurance, it is no surprise that Zurich is among the most trusted insurers. They boast of putting their claws in more than 215 countries with 55,000 employees that are dedicated to protecting their customers by providing various insurance and takaful solutions.

What is Medical Insurance?

Medical insurance is a type of insurance that will help cover your medical bills (hospitalization, consultation, surgery, treatment, medical supplies, and medication).

What type of medical insurance plans are available in Zurich

These are types of Zurich Medical Insurance plans:

    • Z-MedProtect

A comprehensive medical plan to protect you and your family

    • MedicaGen 200

A comprehensive individual medical coverage plan to help cover your medical bills

    • MediLove

A comprehensive cashless medical coverage plan to protect you and your family

    • ProLife 36 Super Basic

A basic medical coverage plan that covers critical illnesses and diseases

    • Zurich ProWell Critical Illness

A standalone comprehensive medical coverage plan that covers critical illnesses and diseases

    • Zurich SureHealth

A standalone medical coverage plan that covers your medical bills and rewards you for being healthy

    • Zurich Omni Health

A comprehensive medical plan to protect you and your family

    • Z-eCoVac Protect

A standalone medical coverage plan that covers against hospitalization, death, or disability due to COVID-19 vaccination

Is there any add-on plans?

Yes, there are various types of add-on plans listed below:

    • Zurich ValueCare

A unit deducting rider plan that covers your medical bills and the deductible amount.

    • Max Medic

A unit deducting rider plan that covers your hospitalization and surgery bills due to covered injuries or illnesses.

    • Critical Care

A unit deducting rider plan that can be attached to your investment-linked insurance that covers 50 critical illnesses. For additional payout, you can opt for Critical Care Essential.

    • Early Care Critical Illness

A unit deducting rider plan that can be attached to your investment-linked insurance that supports you financially upon diagnosis of critical illness.

    • Flex Lady Critical Illness

A unit deducting rider plan that can be attached to your investment-linked insurance that covers major female critical illnesses.

    • Flex Junior Critical Illness

A unit deducting rider plan that can be attached to your investment-linked insurance that covers your child against critical illnesses. This plan can also be attached with Flex Maternity Care.

    • Flex Maternity Care

A comprehensive medical coverage plan that protects you during pregnancy and childbirth as well as your child until they turn 2.

    • Hospital Income Plus

A unit deducting rider plan that provides you daily cash benefit during hospitalization

    • Hospital & Surgical Benefit

A rider plan that provides you daily cash benefit during hospitalization due to injuries or illnesses 30 days after the issued date and it is available worldwide.

Why Buy Zurich Medical Insurance?

    • Prioritize customers’ needs

Zurich is dedicated to ensuring your every need is met by providing various plans that can be adjusted according to your needs and budget.

    • Hassle-free cashless admission facility

It is obvious that being sick is not a walk in the park and Zurich knows it too! With them, enjoy a cashless admission facility to ensure you get your treatment without having to wait for hours!

    • Various payment methods

Renewing your policy is one thing but paying for it is another. Zurich knows your frustration and offers you various payment methods to ensure you are insured.

How to buy Zurich Medical Insurance?

You can buy Zurich medical insurance through Zurich official website OR making an appointment with their agents.

How do I claim Zurich medical insurance?

Generally, Zurich medical insurance plans are on a cashless basis, but in certain circumstances (exclusions under policy terms, or admission to non-panel/ overseas hospitals), it will be on a reimbursement basis.

Here are the guides to Zurich medical insurance claim:

  1. Cashless
    • Contact the number behind your medical card
    • Present NRIC, medical card, and referral letter (if available)
    • Sign the admission form and wait for your hospital to request for guarantee letter from your TPA
    • Pay deposit (if requested by the hospital)
  2. Reimbursement
    • Go to Zurich’s website and download claim form
    • Submit the claim form along with the supporting documents to Zurich branches, Zurich-appointed TPA, or through your agent

You can refer to here for more information.

What are the documents needed for Zurich Medical Insurance Claim?

These are the documents needed for you to file your claim:

  • Claim form
  • Attending physician’s statement
  • Copy of duly certified NRIC
  • Original tax invoices/ bills
  • Original detailed bills
  • Original official receipts
  • Copy of medical test results
  • Copy of referral letter (if available)

To check on the status of your claim, contact Zurich-appointed TPA at 1800-82-6100 or zurichmedical@ihpmy.com.

Can I change my Zurich medical insurance plan?

Yes, you can! Contact Zurich or your agent to arrange this change.

Does Zurich pay my medical bills on a cashless or reimbursement basis?

Generally, Zurich pays your medical bills on a cashless basis, but under certain circumstances (exclusions under policy terms, or admission to non-panel/ overseas hospitals), it will be on a reimbursement basis.

How much do I have to pay for Zurich medical insurance?

Consult Zurich agents to receive quotations!

Can I pay for Zurich medical insurance on an installment basis?

No, the premium of Zurich medical insurance needs to be paid annually.

What are the modes of payment available for Zurich medical insurance?

Zurich accepts these modes of payment:

  • Online payment via Zurich’s website (debit card/ credit card)
  • Online payment via MyPolicy (debit card/ credit card/ FPX)
  • JomPAY
  • Auto debit
  • eWallets (Boost/ Touch ‘n GO eWallet/ GrabPay/ Alipay/ WeChat Pay)
  • NETS

Will my Zurich medical insurance policy expire if I do not renew it on time?

Yes, your medical insurance policy will expire if you do not pay your premium on time.

How do I contact Zurich?

Contact Zurich at 1300-88-8622 and they will be ready to serve you!