What is ACE Jerneh Crystal Sihat about?
This is a medical insurance that helps you to lift thefinancial burden caused by hospitalisation treatment fees for illnesses or accident. Crystal Sihat from ACE Jerneh provides a wide range of medical benefits such as paying for your specialist consultations, ICU admissions, and even an option cashless hospital admission with your ACE Jerneh Crystal Sihat medical card - yes, you may not need to pay a single sen until you've been discharged from the hospital.
There's multiple plans to choose from, depending on what you know about your health condition and of course your budget. These plans differ in terms of your cash allowance everyday that you're bedridden in the hospital, kidney dialysis treatment coverage, and surgical fee benefits.
Who is eligible to enroll for this medical insurance plan?
Malaysians and permanent residents of Malaysia aged between 30 days and 60 years are eligible for enrollment. The maximum renewal age for this plan is 70 years old.
For the family plan, your dependent children (unmarried and unemployed) must be aged between 30 days and 19 years of age or 23 years of age if your kid is still studying in a local Malaysian university or college.
Can I upgrade my room when I am hospitalised?
If your chosen board and room price is higher than the eligible benefit stated in your medical insurance policy, you'll need to bear the additional costs.
Will my policy cover me if I no longer reside in Malaysia?
If you reside outside of Malaysia for more than 90 consecutive days, the policy will cease to be in effect - so if you plan to travel the world for more than 3 months, best to get a yearly travel insurance plan instead!
How do I make a claim to ACE Jerneh?
Crystal Sihat cashless plan allows you to get discharged without any payment. You do not need to worry about preparing and submitting claims because all of your hospital expenses will be paid directly to the hospitals.
What are the discounts available for this plan?
If you subscribe to a family plan, a family discount of 12% on the total premium for at least 3 family members is allowed. What's more – you'll entitled a 10% discount when you decide to renew your policy with ACE Jerneh.
Is this plan entitled for tax relief from LHDN?
Yes, you're entitled to claim up to RM3,000 in tax relief for premiums paid. However, the amount is subject to the income tax relief provisions.