Personal Insurance

Crystal Sihat

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

Key Benefits

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

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

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