Underwritten by Chubb Insurance Malaysia Berhad

Chubb Crystal Essentials

Your role in life is essential, regardless of who you are or where you come from. So guard it with a personal accident insurance to make sure that in unavoidable circumstances you are covered financially.

    • Up to RM1m Accidental Death Benefit
    • Up to RM1m TPD Benefit
View product disclosure sheet.


What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 80 years of age
  • Renewal Bonus
    10% increase of sum assured First sum assured for accidental death and permanent disablement


How much you can claim for Chubb Crystal Essentials

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM1000000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM1000000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    from RM60 up to RM500 per week
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    Not Covered
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM100000 up to RM2000000
    • Cosmetic Surgery
      Treatment for skin grafts and reconstructive surgery for disfiguration due to an accident.
      from RM5000 up to RM10000
    • Corrective Dental
      Cost covered for dental surgery that is accident related, including teeth and jaw area.
      from RM5000 up to RM10000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      from RM up to RM2000 per occurrence
    • Medical Evacuation Or Repatriation
      Insured cost for emergency medical evacuation, or return of mortal remains if you pass away while traveling abroad.
      from RM up to RM10000
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
      from RM up to RM5000 due to accident
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM5000 up to RM100000 due to Denggue, Malaria, or Japanese Encephalitis
    • Post Mortem Report
      For the cost involved in determining the cause of death of the policyholder.
      from RM up to RM200
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
      from RM up to RM25000
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM50000 up to RM300000 in Malaysia only
    • Snatch Theft
      For damage and loss of personal belongings if you're a victim of snatch theft.
      from RM up to RM300
    • Impotency Or Infertility
      Compensation to policyholder if an accident causes damage or loss of reproductive organs.
      from RM up to RM50000 due to accident
    • Temporary Partial Disablement
      Partial compensation if you are temporarily only able to perform limited work after an accident.
      from RM30 up to RM250 per week up
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      from RM2000 up to RM5000
View more coverage details +


How much your premiums may cost

  • Young Entrepreneur

    Mike is planning on starting up his own company and wants to make sure that he's taken care off financially should he need medical assistance.

    Suggested PremiumRM222.60
    Get Quote
  • Business Traveller

    Jason is a business owner who travels a lot to meet clients, so he wants to make sure that he has all the bases covered and his family is secure if any mishap should befall him.

    Suggested PremiumRM550.14
    Get Quote
  • School Teacher

    Lena teaches in a less than secure part of town, but because she loves her students and herself, she wants a basic coverage scheme that looks out her personal safety and covers her medical expenses financially.

    Suggested PremiumRM147.34
    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

Well since the policy has pretty wide coverage, whatever the situation you find yourself in, remember to always make official reports. Download and complete the claim form.

Once you have that in order, attach any or all of the following documents that you might have;

  • Police reports
  • medical records
  • doctors’ reports
  • official receipts
  • bills and credit card statements

Now that you have all these documents along with a copy of your IC or passport, attach it to your completed claim form.

Once you have everything ready, simply call Chubb at their customer service hotline: 1 800 883 226 for more comprehensive details. You can always fax your claim to Chubb Insurance Malaysia Berhad at 03 2058 3333. However, it might be safer to wait for further instructions from Chubb.

For your claim go through without a hitch, remember to submit it within 2 weeks of the incident that invoked it.

Customer Service Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 18 years of age
Maximum Age
At most 65 years of age
Maximum Renewal Age
At most 80 years of age

Frequently Asked Questions about Chubb Crystal Essentials

Things you might want to know

What is the Chubb Crystal Essentials?

As far as personal accident insurance plans go, this one covers all the basses, taking the word essential even further. It offers comprehensive coverage to anyone who applies regardless, of where they stand in terms of premiums.

There are 8 different plans offered under this programme ranging from Plan A to Plan H. Aptly named they sound like contingency plans that you enact when everything goes south on you.

However, the 8 plans are ranging plans for different sums assured, coverage limits and premiums. So you can pick from this list the plan that suites you the most, based on your work environment, life structure, or even your day to day travel circumstance. 

How much are the premiums?

Well the range from RM100.70 to about RM1,753.24. These premiums are based on which plan you opt for along with other factors like, underwriting or legal fees. Don’t worry though the Crystal Essentials comes with a large enough range to have something for everyone.

Are there any terms and conditions I need to know of?

There are few that you’ll want to make a note of, firstly you need to be between the ages of 18 and 65 to be eligible for this policy.

There are few major exclusions that the policy doesn’t cover. Self-inflicted harm, suicide, diseases, war, provoked assault and murder, unlawful acts or crime, any pre-existing conditions and mental defects or infirmity. This is not a comprehensive list, so remember to discuss this thoroughly with your insurance agent.

Can I cancel my policy?

Sure you can, simply deliver a written notice to Chubb Insurance Malaysia Berhad prior to cancellation. As for the refund of your premiums, it will be based on the scale of short period rates at the time of cancellation.

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