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.