Protecting you during your hospital stay
- Guaranteed acceptance
- No medical examination required
- Benefits paid directly to you or your family, free of tax
- Benefits paid in addition to any other insurance you may have
- Monthly contributions do not increase with your age
- You can enrol if you are age 18-60
What’s inside this personal accident plan?
| Core Benefits | Basic | Supreme | Premier | Premier Plus |
|---|---|---|---|---|
| Accidental Daily Hospital Income Benefit (per day) | 100 | 200 | 300 | 500 |
| Double Accidental Daily Hospital Income for ICU Benefit (per day) | 200 | 400 | 600 | 1,000 |
| Family Daily Allowance Benefit (per day) | 50 | 100 | 150 | 250 |
| Post Hospitalisation Treatment Allowance Benefit | 500 | 1,000 | 1,500 | 2,500 |
| Add-on Benefits | Basic | Supreme | Premier | Premier Plus |
| Dengue and Malaria Daily Hospital Income Benefit (per day) | 100 | 200 | 300 | 500 |
| Motorcycle Accidental Daily Hospital Income Benefit (per day) | 100 | 200 | 300 | 500 |
| Accidental Major Surgery Benefit | 1,000 | 2,000 | 3,000 | 5,000 |
| Outpatient Cash for Emergency Treatment Benefit | 50 | 100 | 150 | 250 |
All amounts are in Ringgit Malaysia (RM)
What do the Key Benefit payouts actually cover?
Hospital Income Benefit
Up to RM500 per day for up to 60 days if the following happens after an accident:
- You are treated in the hospital for more than 24-hours because of an injury
Double Hospital Income for ICU Benefit
Up to RM1,000 per day for up to 30 days if the following happens after an accident:
- You are treated in a hospital Intensive Care Unit for more than 24-hours because of an injury
Family Allowance Benefit
Up to RM250 per day for up to 30 days to help your family cover their bills while you are in the hospital if:
- You are treated in the hospital for more than 24-hours because of an injury
Post Hospital Treatment Allowance Benefit
Up to RM2,500 to help cover additional costs if you require follow-up treatments after being released from hospital if:
- You are in hospital for at least a consecutive 7 days
- You undergo follow-up treatment as prescribed by a doctor within 30 days from the day you were discharged from the hospital
- You receive the Accidental Daily Hospital Income Benefit or the Double Accidental Daily Hospital Income Benefit
If I enhance my plan with some additional cash payouts, what do they include?
Dengue and Malaria
Up to RM500 per day for Dengue and Malaria
You and your family will receive this Daily Hospital Income Benefit for up to 30 days if:
- You are treated in the hospital for more than 24 hours because of dengue or malaria
Motorcycle Accident
Up to RM1,000 per day for Motorcycle Accidents
You and your family will receive this Daily Hospital Income Benefit for up to 60 days if:
- You are treated in hospital for an injury caused while riding a motorcycle or a pillion rider
- You report the motorcycle accident to the police within 24 hours and your claim is supported by the corresponding police report
Major Surgery
Up to RM5,000 for Major Surgery
You and your family will receive this lump sum cash benefit if:
- You undergo major surgery due to an accident and are hospitalised for a minimum 48 hours
- Your major surgery is one of the following covered operations: transplant of a major organ, hip or knee joint replacement surgery, excision of tissue of brain with craniotomy, open heart surgery, or hysterectomy
Outpatient Cash
Up to RM250 in cash for Outpatient Emergencies
You and your family will receive this lump sum cash benefit if:
- You undergo emergency outpatient treatment (prescribed by a doctor) within 48 hours of an accident
What else should I know about ezCergas?
- You and your spouse may enrol if you are both age 18-60.
- Payout amounts for children are 50% of adult’s payout amounts.
- A child must be age 6 months to 23 years and dependent on the Certificate holder. There is no limit to the number of children that can be covered.
- If you enrol in EZCergas, you may cancel by returning the Certificate to EZTakaful within 14 days of receiving it and any contribution paid by you will be refunded. Should you choose to cancel after 14 days of Certificate receipt, any contributions paid will not be refunded.
- EZCergas is guaranteed renewable, as long as contributions are paid, until age 65 at which time this plan ends.
- Zurich General Takaful Malaysia Berhad is the Takaful operator for EZCergas.
What isn’t covered under ezCergas?
EZCergas has exclusions which include prohibited activities, physical conditions, careless behaviour, pre-existing medical conditions, certain occupations and conditions.