[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-280549-105":53,"doc-detail-280549-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","revision-of-insurance-charges-for-medical-plan-letter","Revision of Insurance Charges for Medical Plan - Letter","","Revision notice informing policyholders of Zurich Life Insurance Malaysia Berhad that insurance charges for their medical plan will be revised, impacting premium amounts. The letter explains rising medical and healthcare costs in Malaysia and outlines measures including ongoing review of doctor and hospital panels and the appointment of a medical claims Third Party Administrator (TPA). It provides new monthly insurance charges by age, expected sustainability period for current premiums, and alternative coverage options. Appendices include COVID-19 support, revised annual charges, and FAQs.",{"@graph":63,"@context":122},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/revision-of-insurance-charges-for-medical-plan-letter/280549/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/revision-of-insurance-charges-for-medical-plan-letter/280549.png","ImageObject",442,249,{"name":88,"@type":89},"Noah","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-19","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":8},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114,118],{"name":105,"@type":106,"acceptedAnswer":107},"Why is Zurich revising the insurance charges for the medical plan?","Question",{"text":108,"@type":109},"Medical and healthcare costs in Malaysia have risen at a double-digit rate in recent years due to factors such as higher physician and laboratory fees, new treatments and prescription drugs, and more frequent healthcare usage.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How will the revision affect my premium?",{"text":113,"@type":109},"The revised insurance charges will impact the premium amount. The letter provides the new monthly insurance charges that vary by age and references the new insurance charges effective date.",{"name":115,"@type":106,"acceptedAnswer":116},"What are my options to maintain long-term coverage after the revision?",{"text":117,"@type":109},"You may downgrade your current medical rider plan (under specified conditions), consider other medical riders such as Zurich ValueCare or MaxMedic for similar or more comprehensive coverage, or remove optional rider(s).",{"name":119,"@type":106,"acceptedAnswer":120},"Where can I find more information about sustainability and additional support?",{"text":121,"@type":109},"Refer to the Frequently Asked Questions (FAQ) for more information on sustainability. Additional details are provided in the appendices, including Appendix 1 for COVID-19 pandemic affected customers and Appendix 3 for the FAQ.","https://schema.org",{"og:url":78,"og:type":124,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":126,"canonical":78},"index,follow",{"doc_id":128,"site_id":56},280549,1790182742,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":88,"user_avatar":133,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":8,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":139,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":61,"update_tm":143,"read_time":73},8796095462418,"https://ap-avatar.wpscdn.com/avatar/80000253c1241d02b47?x-image-process=image/resize,m_fixed,w_180,h_180&k=1778826106357471780","Date: \u003CInsert date>  \nPolicy No.  \nLife Assured  \nPolicy Status  \nNext Policy Anniversary Date Payment Frequency  \nNext Premium Due Date  \n: \u003CPolicy No>  \n: \u003CInsured Name>  \n: \u003CPolicy Status>  \n: \u003CNext Policy Anniversary Date>: \u003CPayment Frequency>: \u003CNext Premium Due Date>  \nRevision of Insurance Charges for \u003CPlan Description> (\u003CPlan Code>)  \nDear Valued Customer,  \nThank you for your continued support to Zurich Life Insurance Malaysia Berhad (ZLIMB) .  \nWe are writing to inform you that we will be revising the insurance charges for your medical plan.  \nThe medical and healthcare costs in Malaysia have been rising at a double-digit rate\\# in recent years. These costs go up for many reasons , such as increase in physician’s fees or laboratory charges, discovery of new medical treatments and prescription drugs, and higher frequency of seeking healthcare treatments. These costs increase yearly in spite of our efforts and various initiatives to control the cost. Even so, we are still taking steps to consistently review the panel of doctors and hospitals to ensure that medical charges are properly substantiated. To address this, we have appointed a medical claims Third Party Administrator (TPA) that will further support our efforts to keep costs under control.  \nIt is important for us to ensure you have a long-term protection. At ZLIMB, we carefully monitor and actively manage your insurance charges from time to time to make sure that you always have the medical coverage you need. As such, this letter is intended to inform you that we will be revising the insurance charges for your medical plan which will impact your premium amount.  \nKindly refer to the table below for the new monthly insurance charges which shall vary in accordance with your age.  \n\n| Current Medical Rider Plan | Your Insurance Charges* on Next Policy Anniversary |  |  |\n| --- | --- | --- | --- |\n|  | Prior to Revision | Upon Revision (New Insurance Charge) | New Insurance Charges Effective Date |\n| \u003CCurrent Plan Code> | RM\u003CCOI on next policy anniversary using old rate> | RM\u003CCOI on next policy anniversary using new rate> | \u003Crepricing date> |\n\n*inclusive of loading, if applicable.  \nWith your current premium paid, your policy is expected to sustain up to the sustainability period stated below.  \n\n| Current Basic Premium\u003Cbr>(RM)\u003Cbr>[a] | Current Regular Top-Up^\u003Cbr>(MSVR) (RM)\u003Cbr>[b] | Total Premium^\u003Cbr>(RM)\u003Cbr>[c] = [a] + [b] | Sustainability Period\u003Cbr>(Year) |\n| --- | --- | --- | --- |\n| RM\u003CCurrent Basic Premium Amt>/ \u003CPayment Mode Description> | RM\u003CCurrent MSVR Premium Amt>/ \u003CPayment Mode Description> | RM\u003CTotal Premium Amt>/\u003CPayment Mode Description> | \u003CSustainability Period> |\n\nTo ensure the continuous coverage of your life policy, you may refer your Wealth Planner for alternative options in maintaining your coverage as below:  \n(a) Downgrade your current medical rider plan- \u003CPlan Description> (\u003CPlan Code>)  \n(b) Consider other medical riders which provide similar or more comprehensive medical coverage. The available medical riders currently are Zurich ValueCare and MaxMedic.  \n(c) Remove optional rider(s)  \nNote:  \n1. For suggestion (a), it is applicable only if your medical rider plan is not Plan 1. Please refer to the letter header “Revision of Insurance Charges” above for your current plan code.  \n2. You are advised to review your premium from time to time to ensure your policy is sustainable up to maturity.  \n3. Refer to the Frequently Asked Questions (FAQ), for more information on the sustainability.  \nBesides the increase of the Insurance charge, we have also included the Frequently Asked Questions (FAQ) . For further information, please refer to the appendix:  \nAppendix 1: Additional Support for COVID-19 Pandemic Affected Customers  \nAppendix 2: Revised Annual Insurance Charges for \u003Ccurrent medical plan>  \nAppendix 3: Frequently Asked Questions (FAQ)  \nIf you require further assistance , please contact our Customer Service Careline at 1-300-888-622, or e","cbCaihTL7fnRU3Lh","https://ap.wps.com/l/cbCaihTL7fnRU3Lh","pdf",225865,"English","# Revision of Insurance Charges for \u003CPlan Description> (\u003CPlan Code>)\n## New monthly insurance charges and effective date\n## Sustainability period for current premium\n## Alternative options via Wealth Planner\n## Appendices: COVID-19 support, revised annual charges, FAQ","[{\"question\":\"Why is Zurich revising the insurance charges for the medical plan?\",\"answer\":\"Medical and healthcare costs in Malaysia have risen at a double-digit rate in recent years due to factors such as higher physician and laboratory fees, new treatments and prescription drugs, and more frequent healthcare usage.\"},{\"question\":\"How will the revision affect my premium?\",\"answer\":\"The revised insurance charges will impact the premium amount. The letter provides the new monthly insurance charges that vary by age and references the new insurance charges effective date.\"},{\"question\":\"What are my options to maintain long-term coverage after the revision?\",\"answer\":\"You may downgrade your current medical rider plan (under specified conditions), consider other medical riders such as Zurich ValueCare or MaxMedic for similar or more comprehensive coverage, or remove optional rider(s).\"},{\"question\":\"Where can I find more information about sustainability and additional support?\",\"answer\":\"Refer to the Frequently Asked Questions (FAQ) for more information on sustainability. Additional details are provided in the appendices, including Appendix 1 for COVID-19 pandemic affected customers and Appendix 3 for the FAQ.\"}]","Revision of Insurance Charges for Medical Plan - Letter | PDF",1789550625]