Protect all your accounts, cards, and e-wallets from unauthorised transactions.
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Underwritten by Zurich
• Malaysia citizen
• At least 18 years old
• You need to have an active GX Account to apply for this.
• Click here for the eligibility and requirements to open a GX Account.
• Commission: 25 % of premium
• Stamp duty: Not applicable
• Tax: 8% of premium
• All premium and fees shown in this document may be subject to tax or other government levies.
• For further details of the fees and charges, please refer to our Product Disclosure Sheet.
The benefit(s) payable under eligible products is protected by PIDM up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) brochure or contact Zurich General Insurance Malaysia or PIDM.
Click here for the Cyber Fraud Protect Product Disclosure Sheet.
Click here for the Cyber Fraud Protect Policy Wording.
Cyber Fraud Protect is an all-in-one insurance policy covering losses from cyber events. It protects all your bank accounts, debit/credit cards, and e-Wallets up to RM20,000 per year. Click here to see full FAQ.
You get reimbursed for money lost due to unauthorised transfers, fraudulent online purchases, or funds lost in digital wallets. Click here to see full FAQ.
This product protects you from financial losses caused by unauthorised transactions that occur without your consent.
Examples of covered scenarios:
Hacked accounts - Someone gains access to your bank account, debit/credit card, or digital wallet and makes unauthorised transactions.
Stolen banking credentials - Cybercriminals steal your online banking details through hacking, malware, or phishing and initiate fund transfers.
Compromised digital wallets - An unauthorized individual gains access to your stored payment wallet and transfers funds without your approval.
Phishing scams leading to unauthorised access - You unknowingly enter your banking details into a phishing website, and fraudsters use them to steal your money.
This product does NOT cover scams where you willingly make a payment, even if you were deceived.
Examples of non-covered scams:
Online shopping scams - Payments made for goods/services that never arrive (e.g., scams on TikTok, Instagram, Facebook).
Messaging app scams - Fake requests for money on WhatsApp, WeChat, or other messaging apps.
Social engineering scams - Sending money to scammers posing as loved ones, officials, or companies.
Fake investment schemes - Voluntarily transferring money for high-return investments that turn out to be scams.
Each claim is assessed individually, based on policy terms.
Unauthorised transactions must have occurred without your consent—willing transfers, even under deception, are not covered.
For complete details, please refer to the Product Disclosure Sheet or policy wording.
