ACE Jerneh

Underwritten by ACE Jerneh Insurance Berhad

ACE Jerneh Crystal Sihat

Protect the two most important things in life, your health and wallet! ACE Jerneh provides a range of medical benefits including outpatient treatment and cashless hospital admissions.

    • Hospital Accommodation Up To 150 Days
    • Family Discount Starting At 12%
    • 15-Day Cancellation Refund
View product disclosure sheet.


How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM10000 up to RM150000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM60 up to RM450per day up to 150 days
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      from RM120 up to RM600per day up to 75 days
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Day Care Surgery
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      from RM7000 up to RM100000
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      from RM7000 up to RM100000
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      from RM7000 up to RM100000
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 60 days from discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM1000 up to RM6000per month
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM1000 up to RM6000per month
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM5000 up to RM60000
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      from RM7000 up to RM100000
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      from RM300 up to RM800within 24 hours of accident up to 14 days follow up
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM25 up to RM60per day up to 150 days
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM25 up to RM200per day up to 60 days
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM50
View more coverage details +


How much your premiums may cost

  • Young Entrepreneur

    Miss Hana is an online shop owner who is turning 28 soon. She wants a comprehensive medical card from Ace Jerneh.

    Suggested PremiumRM799.00
    Get Quote
  • School Teacher

    Sir Hu is 38 years old and she is a teacher at government school. He's looking for a basic medical plan.

    Suggested PremiumRM323.00
    Get Quote
  • Business Traveller

    Mr. Lai is a senior business consultant who just turned 58 and he travels on business trips frequently. He wants the best Ace Jerneh medical card.

    Suggested PremiumRM2076.00
    Get Quote

Actual premium rates will be determined by ACE Jerneh Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

For the hospital related expenses, you will need to submit the photocopies of hospital bills to proceed to the claim. On top of that, you are required to present original bills to support medical related claims.

Also, you can contact customer service personnel at 03-2058 3000 or 1800 883 226 for assistance. Alternatively, you can send an email to [email protected]

Medical Assistance Hotline & Services
 1800882866 Crystal Sihat Assistance Service
ACE Jerneh Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 70 years of age
Coverage Expiry Age
At most 70 years of age

Frequently Asked Questions about ACE Jerneh Crystal Sihat

Things you might want to know

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.

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