Personal Insurance

Crystal Sihat Health Insurance

Hospital stays are rarely something that is planned for, but being prepared for any unexpected instances will help our finances go a long way. Crystal Sihat is a comprehensive hospitalisation plan that helps you manage high medical expenses with cash-free admission and outpatient benefits. Choose from 6 affordable plans for different budgets and needs.

Coverage Highlights

What it covers

Crystal Sihat provides comprehensive coverage for medical expenses, including the following areas: 

  • Hospital Benefits 
    • Room and board 
    • Surgical fees 
    • Anaesthetic fees 
    • Day care procedures 
    • Hospital supplies and services 
    • Pre-hospital diagnostic tests 
    • Pre-hospital specialist consultation 
    • Operating theatre fees 
    • In-hospital physician visits 
  • Outpatient Benefits and Others
    • Emergency accidental dental treatment
    • Outpatient physiotherapy treatment 
    • Emergency accidental outpatient treatment 
    • Medical report fees 
    • Ambulance fees 
    • Tax relief of up to RM3000 for medical premiums paid

Our policy covers the following individuals:

  • Malaysians or Permanent Residents aged between 30 days to 65 years (renewable till the age of 70)
  • Family members of the policyholder 
    • Spouse – who must be below the age of 60 at the time of first inclusion 
    • Dependent children – who are between the ages of 30 days and 19 years

*Subject to terms and conditions of the current income tax relief provisions


  • Overall annual limit of up to RM150,000 
  • Hospital room and board up to 150 days 
  • Intensive care unit up to 75 days 
  • Outpatient benefits
  • Organ transplant benefits
  • Daily cash allowance at Government hospitals 
  • Insured child’s daily guardian benefits

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.

Have a question or need more information?

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