Focus on your dreams while we take care of the rest.

Have peace of mind, both in health and in sickness. Choose between pay-and-file and cashless admissions with Gibraltar BSN Medic & Medic Plus, two hospital and surgical riders that provide you with comprehensive medical coverage. Let us deal with the trivialities while you focus on getting back on track.

Benefits at a Glance

  • Cashless and Hassle-free Admission

    Smart Health provides cashless and hassle-free admission into most major hospitals and medical centres with options on hospital rooms and boards.
     

  • Health Reward
     

    If you do not make any claim for the first 3 years, you will enjoy Health Reward equivalent to 10% of the Annual Cost of Insurance paid.
     

  • Comprehensive Medical Coverage

    This plan covers the medical needs of you and your family, including in-patient, surgical and non-surgical, kidney dialysis & cancer treatment, and Daily Guardian Benefit for Children.

 
  Plan 1 (RM) Plan 2 (RM) Plan 3 (RM) Plan 4 (RM)
A) HOSPITAL BENEFITS
  • Hospital Room & Board (max. 200 days per disability)
150 250 350 450
  • Intensive Care Unit (max. 100 days per disability)
  • Hospital Supplies & Services
As Charged
(Reasonable & Customary Charges)
B) SURGICAL BENEFITS
  • Surgical Fees
  • Anaesthetist Fees
  • Operating Theatre
As Charged
(Reasonable & Customary Charges)
C) MEDICAL BENEFITS (NON-SURGICAL)
  • Pre-Hospitalisation Diagnostic Tests
    (within 60 days prior to admission)
  • Pre-Hospitalisation Specialist Consultation
    (within 60 days prior to admission)
  • Daily In-Hospital Physician Visit
    (2 visit per day)
  • Post-Hospitalisation Treatment
    (within 60 days per disability)
As Charged
(Reasonable & Customary Charges)
D) OUTPATIENT BENEFITS 
  • Emergency Accidental Outpatient Treatment

    (per accident including follow-up to 30 days)

  • Emergency Accidental Dental Treatment
    (per accident including follow-up to 30 days)
  • Home Nursing Care
    (max 180 days per lifetime)
  • Day Surgery & Day Care Benefits
  • Ambulance Fees
As Charged
(Reasonable & Customary Charges)
E) OUTPATIENT KIDNEY DIALYSIS & CANCER TREATMENT
  • Outpatient Kidney Dialysis Treatment
  • Outpatient Cancer Treatment
As Charged
(Reasonable & Customary Charges)
F) OTHER BENEFIT
  • Government Hospital Daily Cash Allowance
    (max 150 days)
80 100 120 140
  • Daily Guardian Benefit for Children
    (max 150 days)
80 100 120 140
  • Hospital Cash Benefit (per disability)
100 100 100 100
  • Medical Report Fees (per disability
70 70 70 70
  • Hospital Service Tax
As Charged
(Reasonable & Customary Charges)
  • Health Reward (HR)
10% of Annual Cost of Insurance
OVERALL ANNUAL LIMIT
(INCLUDES BENEFITS A TO F)
100,000 150,000 175,000 225,000
G) ORGAN TRANSPLANT (ADDITIONAL LIMIT, ONCE PER LIFETIME)
  • Heart, Kidney, Lung, Liver or Bone Marrow
30,000 40,000 60,000 80,000
OVERALL LIFETIME LIMIT
(INCLUDES BENEFITS A TO G)
1,200,000 1,800,000 2,100,000 2,700,000

Yes! I Am Interested! Please Contact Me!

 
 
 
 
State*
 
Preferred Contact Time

Eligibility

  30 days
  60 years old

(renewable up to 87 years old).