Chubb Crystal Sihat

Coverage

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 cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.

  Not Covered

• 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

• • 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

  • 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

  • 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