Personal Insurance

Crystal Essentials Personal Accident

Medical bills are the last thing you should worry about when accidents happen. Crystal Essentials is a comprehensive personal accident insurance that covers you medically and financially in such instances. Renewable up to the age of 80 years and available in 8 plans for different needs and budgets, this product is designed with Malaysian lifestyles in mind.

Coverage Highlights

Key Benefits

We provide basic protection and extend our cover to include:

  • Comatose
  • Disappearance
  • Exposure
  • Drowning
  • Food and drink poisoning
  • Harmful insect or snake bites or animal attacks
  • Hunting
  • Motorcycling
  • Suffocation by smoke or poisonous fumes
  • Natural disasters
  • Unprovoked murder and assault
  • Strike, riot and civil commotion
  • Sports extension
  • Mountaineering (without use of ropes or guides)
  • Polo-playing as an amateur
  • Underwater activities (up to 50 metres deep)
  • Water sports including yachting and water skiing, surfing and snorkelling as an amateur
  • Amateur sports other than boxing, martial arts and X-games
  • Intoxication
  • Terrorism

What It Covers

  • Accidental death
  • Permanent disablement
  • Temporary total disablement
  • Temporary partial disablement
  • Medical expenses
  • Corrective dental and/or cosmetic surgery
  • Traditional treatment
  • Purchase of orthopaedic equipment
  • Ambulance fees
  • Medical/post mortem report
  • Permanent impotency and infertility
  • Kidnap benefit
  • Bereavement allowance
  • Funeral allowance
  • Daily hospital income
  • Home nursing care
  • Travel expenses
  • Blood transfusion
  • Personal liability
  • Medical evacuation
  • Double indemnity
  • Renewal bonus
  • Cashless hospital admission
  • Snatch theft

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.

Forms and Documents

pdf
Product Disclosure Sheet
Product Disclosure Sheet 
pdf
Applications & Forms
Proposal Form 
Have a question or need more information?

Contact us to find out how we can help you get covered against potential risks