Chubb

Underwritten by Chubb Insurance Malaysia Berhad

Chubb Crystal Sihat

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

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
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    Not Covered
  • Room & Board
    For the nights 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 Procedures
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      from RM7000 up to RM100000
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      from RM7000 up to RM100000
    • Anesthetist 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
      To help you recuperate after you've been discharged from the hospital.
      As Charged within 60 days from discharge
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM1000 up to RM6000
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments 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
View more coverage details +

Premiums

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

    Suggested PremiumRM536
    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.

    Suggested PremiumRM1019
    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.

    Suggested PremiumRM3001
    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.

Suggested Premium is inclusive of 6% GST

How to Claim

To make a medical insurance claim you will need to compile a few documents. 

  • 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 occured.
  • 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
+60320583000
Chubb Customer Care Hotline
 1800883226

Panel Hospitals

Find a hospital or clinic near you!

No hospital is currently accepting this medical card

Requirements

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

Things you might want to know

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.

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