Enhance your Medical Coverage with Zurich MegaMed

Offering tons of solution for your healthcare needs

Fundsupermart May 24, 2017 1795


Life is full of uncertainty whereby anyone can be diagnosed with any disease/critical illness at any age. It sounds scary but it has become a norm in our society today. Although better medical facilities and treatments are available, they come with a heavy price and you wouldn’t want to be worry about the expensive medical bill when you are recovering. If you think you’re prepared, think again.



Let’s look at the facts.

#1 Fact: Nearly half of all Malaysian cancer patients experience financial struggles a year after being diagnosed with cancer.

Source: The Asean Costs in Oncology (Action) study by Sydney-based George Institute for Global Health.

#2 Fact: The medical inflation rate, which is the increase of medical costs, is between 10% - 15% every year.

Medical Treatment Current Cost (RM) Cost in 20 Years (RM)
Cataract 3,500 to 5,000 24,000 to 34,000
Heart Attack 10,000 to 30,000 67,000 to 202,000
Knee Replacement 15,000 to 40,000 101,000 to 270,000
Hip Replacement 18,000 to 50,000 121,000 to 336,000
Cancer 18,000 to 300,000 121,000 to 2,018,000
Stroke 35,000 to 75,000 235,000 to 505,000
Kidney Failure 150,000 and above 1,009,000 and above
(It serves only as a guide for healthcare costs from government as well as private hospitals. Conservative assumption: Healthcare inflation of 10% a year).

Source : Planning for healthcare costs in retirement, 2015, The Star

When we are sick, the last thing that we want to worry is the affordability of the special care that we need or becoming financially drained due to any medical treatment we might require. Life takes unexpected turns, always be prepared for the worst!

Consider Zurich MegaMed with High Annual Limit

Zurich MegaMed is a unit deducting rider that you can add on to your basic regular premium investment-linked plan for higher medical protection and total peace of mind. With Zurich MegaMed, you not only enjoy high Annual Limit – you also benefit from invaluable additional feature, including protection against dengue fever, and overseas hospitalisation coverage.

Main Features:

4 Available Options Catered for You

Overall Annual Limit 375,000 1,000,000 1,750,000 2,250,000
Overall Lifetime Limit 750,000 No limit
Daily Hospital Room & Board
(max. 200 days per annum)
160 210 280 380

*Out-Patient Dengue Fever Treatment and Emergency Assistance Programme are not included in the overall limit.




Protect yourself and your loved ones now and enjoy savings at FSM Insurance!

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