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.