Crystal Essentials Personal Accident in Malaysia

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.

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.

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