How To Make A Claim

  • 1. Check Your Policy

    Determine if you are covered for the event for which you intend to make a claim.

  • 2. Check Your Payment Records

    When was the last payment made? Make sure that the policy is still in force.

  • 3. Check In With Us

    Notify us immediately – head over to the nearest Gibraltar BSN branch for assistance.

Upon verification of your policy details and claim entitlement, we'll provide you with the necessary claim form(s) to be completed, along with information on the supporting documents we'll need from you in order to consider your claim.

If you need help going through the steps above, please don't hesitate to ask. Just call our Customer Service helpline at 1 300 22 6262 (Local) or +603 2298 0088 (Overseas) for assistance.

Beneficiary(ies) of the deceased policyholders who are searching for unclaimed life insurance proceeds can check with Life Insurance Association of Malaysia.

Help Us Speed Up Your Claim

Follow these tips before dropping by so that we have all the information needed to assess your claim straight away.

  • 1. Submit Your Notice of Claim

    Complete this Notice of Claim form and send it back to us immediately / within the prescribed time as written on your policy.

  • 2. Complete Your Claim Form(s)

    From the listing below, click on the type of claim relevant to you to download the right claim form(s). Print them out and fill them in.

  • 3. Prepare Supporting Documents

    You’ll also find a list of documents that you should provide us when making a claim. Make sure to bring original / certified copies.

Bear in mind that doing this is entirely optional – don’t worry if you don’t have your form(s) or documents ready before you come by. We’ll go through the entire process with you.

Types of Claim

  • Medical Claim

    Pay & File

    Claim Form(s)
    Forms Download
    Hospitalisation & Surgical Claim Form Part I : To be completed by the claimant Download
    Part II: To be completed by the Life Assured's attending physician Download
    Clinical Abstract Application Form
    • Please provide three (3) copies, in English or Bahasa Malaysia
    Download

    Required Documents
    • Original copies of:
      • Medical bill(s) and receipt(s)
    • Certified true copies of:
      • Itemised bills
      • Test result(s) available
      • Discharge note(s)
      • Bank statements / bank book details (for auto credit verification)

    Cashless

    • For cashless treatment, the Life Assured must be admitted to one of our Panel Hospitals.
    • Please note that all cashless payments will be managed by a third-party administrator.

    Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.
  • Hospital & Surgical Benefit

    Claim Submission

    A written notice of injury or sickness (upon which claims may be based) must be submitted to us within thirty (30) days, commencing from the date of injury or sickness covered.

    Claim Form(s)
    Forms Download
    Hospitalisation & Surgical Claim Form Part I : To be completed by the claimant Download
    Part II: To be completed by the Life Assured's attending physician Download
    Clinical Abstract Application Form
    • Please provide three (3) copies, in English or Bahasa Malaysia
    Download
    Required Documents
    • Certified true copies of:
      • Discharge note(s)
      • Test result(s) available
      • Medical bill(s) and receipt(s)
      • Bank statements / bank book details (for auto credit verification)

    Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.

  • Accident Indemnity

    (Weekly Indemnity & Medical Reimbursement)

    Claim Submission

    A written notice of injury (upon which claims may be based) must be submitted to us within thirty (30) days, commencing from the date of injury.

    Claim Submission(s)
    Forms Download
    Accident Indemnity Claim Form Part I : To be completed by the claimant Download
    Part II: To be completed by the Life Assured's attending physician Download
    Clinical Abstract Application Form
    • Please provide three (3) copies, in English or Bahasa Malaysia
    Download

    Required Documents
    • Original copies of:
      • Medical certificate(s)
      • Medical bill(s) and receipt(s) - for medical expenses purpose
    • Certified true copies of:
      • Bank statements / bank book details (for auto credit verification)
      • Police Report
      • Test result(s) and radiology report(s) available
    • Miscellaneous:
      • News articles on the accident (if available, in any language)

    Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.

  • Critical Illness Claim

    Claim Form(s)
    Forms Gibraltar BSN Policyholders BSN Don’t Worry Policyholders
    Critical Illness Claim Form Download
    Confidential of Certificate -
    Clinical Abstract Application Form
    • Please provide three (3) copies, in English or Bahasa Malaysia
    Download
    Policyholder’s Statement (Bank Officer or Authorised Personnel) Download -

    Required Documents
    • Original copies of:
      • Life Assured’s policy document (otherwise complete Indemnity for Loss of Policy Contract)
    • Certified true copies of:
      • Blood test, ECG and/or radiology reports, Histopathological report
      • Bank statements / bank book details (for auto credit verification)
      • Other relevant medical evidence
    • Miscellaneous:
      • Proof of age, i.e. identity card or birth certificate (if age was not previously disclosed)

    Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents such as medical evidence for different type of Critical Illness claim and information. 

  • Total and Permanent Disability Claim

    Claim Submission

    Kindly note that in order to make a Total and Permanent Disability claim, the Life Assured has to be totally and permanently unable to do or engage in work to earn or obtain wages, compensation or profit. Such disability must last for not less than six (6) months.

    Claim Form(s)
    Forms Gibraltar BSN Policyholders BSN Don’t Worry Policyholders Pos Assurance Policyholders
    Total and Permanent Disability Claim Form Part I : To be completed by the claimant Download
    Part II : To be completed by the Life Assured’s attending physician Download
    Clinical Abstract Application Form
    • Please provide three (3) copies, in English or Bahasa Malaysia
    Download
    Policyholder’s Statement (Bank Officer or Authorised Personnel) Download Download -

    Required Documents
    • Original copies of:
      • Life Assured’s policy document (otherwise complete Indemnity Loss of Policy Contract)
    • Certified true copies of:
      • Blood test, and all radiology reports
      • Bank statements / bank book details (for auto credit verification)
    • Photocopies of:
      • Medical bill(s) and receipt(s)
    • Miscellaneous:
      • Proof of age, i.e. identity card or birth certificate (if age was not previously disclosed
    • Additional document for Accidental Total and Permanent Disability Benefit
      • Certified True Copy: 
        • Police Report
        • Third Party Police Report
        • Final Investigation Police Report
        • News article on the accident (if available, in any language) 

    Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.

  • Death Claim

    Claim Submission

    Within two (2) years of issue date / reinstatement date.

    Claim Form(s)
    Forms Gibraltar BSN Policy BSN Don’t Worry Policy Pos Assurance Policy
    Death Claim Form Part I : To be completed by the claimant Download
    Part II : To be completed by the Life Assured’s medical attendant Download -
    Clinical Abstract Application Form
    • Please provide three (3) copies, in English or Bahasa Malaysia (duly signed by next of kin)
    Download -
    Policyholder’s Statement (Bank Officer or Authorised Personnel) Download Download -

    Required Documents

    • Original copies of:
      • Life Assured’s policy (otherwise complete Indemnity Loss of Policy Contract)
      • Deed of assignment (if available)
    • Certified true copies of:
      • Death certificate
      • Burial Permit or Police Report (for Cause of Death classified as 'Unknown' or Death certified by Police)
      • Letter from JPN (for Oversea Death)
      • MRTA (Mortgage Reducing Term Assurance) certificate
      • Nominee’s NRIC
      • Proof of relationship, i.e. marriage certificate (spouse), birth certificate (child / deceased)
      • Bank statements / bank book details (for auto credit verification)
    • Miscellaneous:
      • Proof of age, i.e. identity card or birth certificate (if age was not previously disclosed)
      • Letter of Administrative / Grant of Probate (if no nomination)
    • Additional document for Accidental Death Benefits:
      • Certified True Copy:
        • Police Report
        • Third Party Police Report
        • Final Investigation Police Report
        • Post Mortem / Autopsy Report
        • Toxicology Report
        • News article on the accident (if available, in any language)

    Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.