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.

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

Other 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