What is the Chubb Crystal Sihat?
The Crystal Sihat is a medical insurance to help take the edge off the mountain of bills that come with a short stint in the hospital. This plan comes with comprehensive medical benefits for any situation.
The best part is there are 6 different plans for you to choose from depending on the coverage you want and what you can afford.
Who is eligible for this policy?
To be honest everyone, parents can get the Crystal Sihat for their kids as soon as they are 30 days old, and if you want to get it as an independent individual, you only need to be 18 years old. You are still eligible for it up until the age of 60 after which you may renew the plan up till the age of 70.
For the family plan specifically, any children you include in the plan must be between 30 days and 18 years old. However, if your kids are pursuing their tertiary education or still attending classes for in an educational capacity, then the age limit is extended to 23 years.
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.
Can I upgrade my facilities, and does this plan work overseas?
When you are admitted into the hospital, and find that you would prefer different rooms then you may upgrade yourself but it will be at your own cost. Chubb will still cover the original cost it proposed, you will only have to pay for the outstanding amount.
As to whether or not this plan works overseas, the short answer is yes. Provided you are only on vacation for less than 3 months. If you were to reside outside of Malaysia for more than 90 consecutive days then it would be more fruitful for you to pick up a year-long travel insurance plan.