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.

Chubb Crystal Essentials
Accidental Death
up to RM1m
Permanent Disablement
up to RM1m
Medical Expenses
up to RM12k


What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 80 years
Renewal Bonus
10% increase of sum assured up to 100%   First sum assured


How much you can claim for Chubb Crystal Essentials

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM50k up to RM1m 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM50k up to RM1m 
Temporary Total DisablementCash compensation if you are unable to work temporarily because of total disability.
from RM60 up to RM500 per week
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM3.5k up to RM12k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM100k up to RM2m 
Cosmetic SurgeryTreatment for skin grafts and reconstructive surgery for disfiguration due to an accident.
from RM5k up to RM10k not applicable if you have already claimed for Corrective Dental
Corrective DentalCost covered for dental surgery that is accident related, including teeth and jaw area.
from RM5k up to RM10k not applicable if you have already claimed for Cosmetic Surgery
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
up to RM2k per occurrence
Medical Evacuation Or RepatriationInsured cost for emergency medical evacuation, or return of mortal remains if you pass away while traveling abroad.
up to RM10k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
up to RM5k due to accident
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
from RM5k up to RM100k due to Denggue, Malaria, or Japanese Encephalitis
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM30 up to RM225 per day, up to 180 days
Post Mortem ReportFor the cost involved in determining the cause of death of the policyholder.
up to RM200 
Home NursingHow much you can claim for home nursing care, if certified by a hospital following an accident.
from RM250 up to RM3k per month
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
from RM50 up to RM400 per visit for Traditional Treatments
KidnapCover benefits provided by the insurer if policyholder is kidnapped.
up to RM25k 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM50k up to RM300k in Malaysia only
Snatch TheftFor damage and loss of personal belongings if you're a victim of snatch theft.
up to RM300 
Impotency Or InfertilityCompensation to policyholder if an accident causes damage or loss of reproductive organs.
up to RM50k due to accident
Purchase Of Orthopaedic EquipmentAmount covered for braces, walking aids and other orthotic equipment to help your bones mend.
from RM1k up to RM5k 
Temporary Partial DisablementPartial compensation if you are temporarily only able to perform limited work after an accident.
from RM30 up to RM250 per week up
Travel ExpensesTravel reimbursement for family members to visit you while in the hospital.
from RM2k up to RM5k 

How to Claim

Who do I contact if I have a question or emergency?

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.


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

More Information

What is the Chubb Crystal Essentials?

This policy provides compensation in the event of injuries, disability or death caused solely and directly by violent, accidental, external and visible events.

What is covered by this policy?

Much like any other personal accident cover, the plan will provide protection for accidental death, permanent, and partial disablement. It also provides coverage for the medical treatment of accidental injuries, purchase of orthopedic equipment, along with a few other benefits, that some might find to be quite useful.

A list of benefits can be found on this page and you can be sure that which ever plan you choose, the benefit will be available to you.

How much premiums do I need to pay?

To each their own is what insurance plans practice. Your plan premium will be based on the plan you choose, your age and gender. Also some plan premiums may change at the end of your coverage term, based on those factors too.

With 8 plans to choose from, premium rates for Crystal Essentials will range from RM147.34 to RM2,016.12 annually. Refer to your insurance agent for the exact price based on your underwriting approval.

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.

To find out more, please refer to the Product Disclosure Sheet.

Can I cancel my policy?

Yes, 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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