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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

Have a question or need more information?

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