Underwritten by Chubb Insurance Malaysia Berhad

Chubb Crystal Sihat Medical Card

Be prepared for any and all kinds of financial expenses, save yourself the shock and the loss of income with an insurance coverage that will look out for you on a rainy day.

    • Hospital Accommodation Up To 150 Days
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for Chubb Crystal Sihat Medical Card

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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 within 60 days before hospitalisation
  • 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 within 60 days before hospitalisation
    • 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 inclusive of General Nursing Services
    • 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
    • Diagnostic and Physiotherapy Procedures
      What's covered when diagnosing your condition and to get your back on your feet again.
      As Charged
    • Hospital Specialist Fees
      Consultation cost for a hospital specialist that's provided by your health insurance policy.
      As Charged within 60 days prior to hospitalization
    • 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 RM6000
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM1000 up to RM6000
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged within 90 days from discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM5000 up to RM60000
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      from RM300 up to RM800within 24 hours and follow-up treatment up to 14 days
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged subject to Reasonable Customary Charges
    • 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.
      up to RM50
View more coverage details +


How much your premiums may cost

  • Young Entrepreneur

    Claire is a single mother, turning 30 soon and building her career. She needs a comprehensive medical insurance in case of a rainy day.

    Premiums displayed are excluding SST and Stamp Duty

    Suggested PremiumRM506.00
    Get Quote
  • Business Traveller

    Karl is an accomplished businessman who has clients all over the world. He needs a medical insurance policy that allows him the freedom to go further.

    Premiums displayed are excluding SST and Stamp Duty

    Suggested PremiumRM961.00
    Get Quote
  • VIP

    Mr Raz is an acclaimed film director and is looking to get a good medical coverage system, if not for him for his family.

    Premiums displayed are excluding SST and Stamp Duty

    Suggested PremiumRM2831.00
    Get Quote

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

How to Claim

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. 

Medical Assistance Hotline & Services
Chubb 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 Chubb Crystal Sihat Medical Card

Things you might want to know

What is the Chubb Crystal Sihat?

The Crystal Sihat is a medical insurance that offers coverage for hospitalisation and surgical expenses incurred due to accidents or illnesses covered under the policy. This plan 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 policy?

This policy is open to all Malaysians and Permanent Residents of Malaysia between the ages of 30 days (1 month) to 65 years old. It can be renewed continually up till the maximum age of 70 years old before expiry. 

Family members can also be covered under a policy holder. The benefit is limited to the policy holder 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?

Well to make a claim 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 premiums fixed?

Premium rates for this Chubb protection plan 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 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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