Zurich Insurance Malaysia 2014 Commercial Ad ~ Rain

New Rider Launched in year 2014 ~ Flex Medical

Flex Medical

 Focus on getting well. We will take care of the rest.

When hospitalisation is what the doctor orders, the last thing you want to worry about is how much it will cost you. Hospitalisation charges, surgical treatments, medication, examinations and consultation fees all add up. With medical costs already as high as they are today, imagine what it will be like ten, twenty or thirty years down the road.

Flex Medical is Zurich’s solution to help protect you from rising medical costs throughout your life. Flex Medical is a guaranteed renewable unit deducting rider that provides comprehensive medical coverage up to age 100 and can be attached to basic regular premium investment-linked plans. Its comprehensive features will ensure you get quality healthcare when you need it, with no worry and without any hassle.


Stay protected with Flex Medical Benefits.

• Guaranteed Renewal Up To Age 100

Provides you with lifetime medical coverage up to age 100.

• No Overall Lifetime Limit¹

With no Overall Lifetime Limit, you can enjoy unlimited medical protection without worries from now until age 100.

(¹Only available for Plan 2 and above. Please contact our Zurich Sales Advisor for more details.)

• No Co-insurance

Pays your medical bill according to the plan you have purchased, without co-insurance.

• Hassle-Free Hospitalisation With Cashless Facility

Convenient admission and discharge at all participating hospitals. Just show your medical card for immediate hospital admission and discharge. You only need to settle the excess amount, if any. The arrangement will be facilitated by MediExpress (M) Sdn Bhd.

Click here for Panel of Hospitals

• Guardian Benefit For All

Now you don’t have to be alone in the hospital. We will reimburse the expenses for meals and lodging incurred for those accompanying you in the hospital regardless of your age.

 

Schedule of Benefits

PLANS	Plan 1	Plan 2	Plan 3	Plan 4
	LIMIT (RM)
OVERALL LIMIT²
Overall Annual Limit	75,000	125,000	175,000	225,000
Overall Lifetime Limit	750,000	No Overall Lifetime Limit
HOSPITAL BENEFITS
Daily Hospital Room & Board (max. 200 days per annum)	160	210	280	380
Intensive Care Unit/High Dependency Unit (max. 60 days per annum)	As Charged
Hospital Supplies & Services
Surgical Fees (for post-surgery care, within 90 days from discharge)
Anaesthetist Fees
Operating Theatre
Ambulance Fees
Day Surgery
Pre-Hospital Diagnostic Tests (within 60 days prior to admission)
Pre-Hospital Specialist Consultation (within 60 days prior to admission)
In-Hospital Physician Visit (max. 200 days per annum)
Post-Hospitalisation Treatment (within 90 days from discharge)
OUT-PATIENT BENEFITS
Out-Patient Kidney Dialysis Treatment (max. limit per lifetime)	50,000	150,000	225,000	300,000
Out-Patient Cancer Treatment (max. limit per lifetime)	75,000	200,000	300,000	400,000
Out-Patient Physiotherapy Treatment (within 180 days from discharge/surgery)	As Charged
Emergency Accidental Out-Patient Treatment (within 72 hours and follow-up treatment to a max. of 31 days)
OTHER BENEFITS
Daily Cash Allowance at Government Hospital (max. 200 days per annum)	50	60	75	85
Guardian Benefit (max. per disability)	200	250	300	400
Medical Report Fees (max. per disability)	100	120	120	120
Home Nursing Care (max. 200 days per lifetime)	As Charged
Government Service Tax
Emergency Assistance Programme	up to USD 1 Million³

² Out-Patient Kidney Dialysis Treatment, Out-Patient Cancer Treatment and Emergency Assistance Programme are not included in the Overall Limit.

³ Please refer to the policy contract for full details of the benefit coverage.

The schedule of benefits is subject to the definitions and benefit coverage as defined in the policy contract.

Who is eligible for Flex Medical?

Anyone from the ages of thirty (30) days up to sixty-nine (69) years old. For mothers who purchased Flex Maternity Care rider and exercised the option to purchase a new policy for her child, you can add Flex Medical immediately after your child is born.

The website information is for illustrative purposes only. For further details of terms and conditions, please refer to the product disclosure sheet, sales illustration and policy contract.

Happy Great New Year to Everyone; May all your Dream come true!

Zurich TrueLady Introduction Video

Zurich Launching a new product - Zurich TrueLady

Life’s beautiful at every stage
when you have a sure plan.

 

Zurich TrueLady is a special plan designed for women solely from our understanding and recognition of the many roles a woman will take on in the course of her life. It is a single comprehensive policy that evolves and grows to protect a woman’s changing roles and needs, from a single to married lady, followed by pregnancy and childbirth, and all the way through motherhood. It puts ladies first, in every way, by taking into consideration what makes her feel secure, at every stage of her life.

Start with
Investment-Linked Plan

Single and young, your life stretches out ahead of you. Do what you want, when you want, for a life that follows your heart’s desires. (Zurich FlexiLife Plus is an investment-linked premium plan with the flexibility to meet your changing needs for protection, investment and savings, at every stage of your life.)


Get
Female Critical Illness

If you are a working single or already married to the love of your life, now is the time to ensure you continue to enjoy good health. A unit-deducting rider attachable to individual basic regular premium investment-linked plans, Flex Lady CI provides comprehensive coverage against major female critical illnesses and related surgical treatments from now till you are 80.

Add on
Maternity Care

Pregnancy indeed is a special journey. Stay at your healthiest at this stage of life to provide the best head start for your growing baby with Flex Maternity Care.

Complete with
Juvenile Critical Illness

Start motherhood with total peace of mind by getting your baby the Flex Junior CI rider. It protects your child as soon as he is born all the way until he/she reaches the age of 25.

Zurich FlexiLife Plus New Launching on 18/09/2013

Zurich FlexiLife Plus

 

 

 

 

 

All-in-one, for all times.

Zurich FlexiLife Plus is a regular premium investment-linked plan thoughtfully created to take into account different life stages, maturing when the life assured reaches the age of 100. It rewards you with Loyalty Bonus, and offers more than your expectations with No Lapse Benefit. It also enhances your protection at different life events without further underwriting.

The five pluses of Zurich FlexiLife Plus

Protects

Comprehensive Coverage

It covers Death or Total and Permanent Disability. In addition, you can enhance your protection by attaching a wide range of optional riders such as:- Hospitalisation & Surgical Coverage, Critical Illness Coverage, Personal Accident Coverage, Female Protection Coverage and Waiver of Premium.

Flexible

Flexibility in managing your protection and investment needs

Apart from its all-in-one comprehensive plan, it is flexible to accommodate changes to meet your life stage needs. You can increase or decrease your sum assured and premium at anytime; choose or switch funds according to your risk tolerance level.

Rewarding

Loyalty Bonus

Rewards you with a Loyalty Bonus of 0.5% of the average monthly account value over the last 5 premium years. This will be paid to you every 5 premium years in the form of units, until policy expires at the age of 100 subject to full premiums being paid on time.

Understanding

No Lapse Benefit for the first 3 policy years*

We understand that protection is important to you, so we allow the policy to continue to be in-force and provide coverage within the first three (3) policy years even if your investment account value is insufficient to cover the cost of insurance and monthly fee charges.

Enhancing

Guaranteed Insurability Option*

We are taking care of your protection needs at different life events by providing Guaranteed Insurability Option for you. Upon your request, this option allows you to increase your basic sum assured up to 20% of the original basic sum assured in every life event without underwriting. These life events are marriage, birth of child or legally adopting child, buying a house or death of a spouse. The basic sum assured will increase up to 100% or RM500,000 whichever is lower and maximum up to 5 events.

Early Care Critical Illness Rider

Enjoy financial support for both treatment and recuperation expenses upon diagnosis of any defined early stage critical illnesses.

 

Early Care Critical Illness Features

Early Stage Critical Illness Benefit

You will receive a payout of 50% of the Early Care Critical Illness sum

assured upon diagnosis of any defined critical Illness, to facilitate the best

and most effective treatment when it can make the most difference. The

sum assured will be reduced by the amount claimed and continue to provide

an end stage critical illness benefit. This benefit will cover you up to age 85.

End Stage Critical Illness Benefit

Up to 100% of the Early Care Critical Illness sum assured is payable upon

diagnosis of any defined end stage critical illnesses, provided no early stage

claim payout has been made before. End stage critical illness will be covered

up to age 100.

Rehabilitation Benefit* - Paid monthly to aid complete recovery

An additional 12% of the Early Care Critical Illness sum assured will be

payable to you at the first approved diagnosis of critical illness for

rehabilitative needs. The amount will be paid on a monthly basis for

a period of 12 months.

Second Medical Opinion* - To be certain about your treatments

A lump sum of RM2,000 will be payable to give you the flexibility to choose your preferred specialist for a Second Medical Opinion.

Sin Chew Daily 星洲日报副刊报道（剪报）18/4/13

Zurich 迎接新伙伴的方式

Gong Xi Fa Cai !新年进步！

Achiever Wealth Planner 及 Zurich Insurance 恭祝各界新年进步，事事顺意！

Merry Christmas & Happy New Year

Zurich Ads Release

Zurich FlexiLife (ZLI) Special Promotion

Zurich Insurance Malaysia ~ Investment-Link Fund Performance as at Sep2012

Zurich New Product ~ Zurich FlexiLife

Zurich已在十月一号推出新保单，

详情请联络我们的专业顾问。

Good New！Our new life product on sales now.

Please contact our Advisor for details.

Teem-X

The Sky is the Limit

Zurich Rebranding! A new era begins...

Francis's birthday at Korean Restaurant, Ampang

Chinese New Year Greeting / 龙年吉庆

引接了2012，农历年也即将到来，在此恭祝大家新年新气象；身体安康，生意兴旺，生活美满！