Chubb Crystal Sihat Medical Card

Chubb Crystal Sihat Medical Card will save you from the shock & loss of income with comprehensive medical insurance coverage.

Chubb Crystal Sihat Medical Card
Annual Limit
up to RM150k
Lifetime Limit
Not applicable
Room & Board
up to RM450
Coverage Age
30 days - 70 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM10k up to RM150k
Lifetime Limit
Not applicable
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM60 up to RM450per day up to 150 days
Surgical Fees
from RM7k up to RM100k
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Intensive Care Unit (ICU)
from RM120 up to RM600per day up to 75 days
Hospital Services and Supplies
As charged inclusive of General Nursing Services
Day Care Surgery
from RM7k up to RM100k
Anaesthetist Fees
from RM7k up to RM100k
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged max 1 visit, up to 60 days
Diagnostic and Physiotherapy Procedures
As charged 
Hospital Specialist Fees
As charged within 60 days prior to hospitalization
Post-Hospitalisation Treatment
As charged within 60 days from discharge
Outpatient Kidney Dialysis Treatment
from RM1k up to RM6k
Outpatient Cancer Treatment
from RM1k up to RM6k
As charged within 90 days from discharge
Organ Transplant
from RM5k up to RM60k
Emergency Dental Treatment
from RM300 up to RM800within 24 hours and follow-up treatment up to 14 days
Ambulance Fees
As charged subject to Reasonable Customary Charges
Cash Allowance at Government Hospital
from RM25 up to RM60per day up to 150 days
Insured Child Guardian Benefit
from RM25 up to RM200per day, up to 60 days
Medical Report Fee
up to RM50


Additional benefits with this insurance

15 days cancellation refund
Hospital Accommodation
Up to 150 days

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
Chubb Customer Care Hotline

To make a medical insurance claim you will need to compile a few documents. Keep in mind that your claims must be made within 30 days of the event that warrants it. 

  • First download and complete the claim form.
  • Attach to the claim form, bank statements, bill and receipts that offer proof of your payments.
  • Also include a written statement describing the incident and/or accident that occurred.
  • Finally you will need to include any official report made, whether its a hospital medical report or a police report. 
  • Now you can submit your claims. 

Submit your claim directly to Chubb Malaysia Insurance Berhad by walking into their nearest outlet. That way you can expect your claim to be processed in approximately 5 working days. 


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

More Information

What is Chubb Crystal Sihat medical card?

Chubb Crystal Sihat medical card offers coverage for hospitalisation and surgical expenses incurred due to accidents or illnesses covered under the policy. 

The medical insurance comes with comprehensive medical benefits with 6 different plans to choose from, each with varying degrees of coverage and premiums.

This policy is renewable up to the age of 70. 

Who is eligible for this Chubb insurance?

The Chubb insurance is open to all Malaysians and Permanent Residents of Malaysia between the ages of 30 days (1 month) to 65 years old. 

You can continually renew this medical card up until the maximum age of 70 years old before expiry. Family members can also be covered under a policyholder. 

The benefit is limited to the policyholder or insured's spouse, with the condition that they are below the age of 60 at the first time of inclusion. 

Children of the insured person can also be covered under the plan as long as they are between the ages of 30 days old to 19 years old.

How do I make a claim to Chubb Malaysia?

Well to make a claim to Chubb Malaysia you simply have to collect all relevant documentation from the hospital or medical facility that you’ve visited, bills and receipts specifically. 

Attach it to a claim form and send it to Chubb Insurance Malaysia Berhad along with a written statement of your account.

Are my Chubb Crystal Sihat medical card premiums fixed?

Premium rates for this Chubb insurance is based on your age at the time of application and renewal. 

Renewal premium rates are not guaranteed and Chubb does have the right to revise your medical card premiums based on their risk assessments. 

However, you can be sure that the premium rates are reasonable and that you will get your money's worth in protection coverage.

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