Critical Illness Insurance

We cover you with an affordable medical plan, whilst you continue making your mark in this world.

Critical Illness Insurance Plans

At Gibraltar BSN, we understand that battling a life-threatening illness is extremely distressing and challenging – and even more so when you take the hefty hospitalisation expenses and medical bills into account. Our wide range of critical illness insurance plans provides comprehensive and affordable protection for you and your loved ones in Malaysia, paying out a lump sum upon diagnosis to lift the financial burden off your shoulders. Whatever your current financial and personal circumstances are, we can match you with a critical illness insurance cover that best suits your needs.

Why Choose Us?

As one of Malaysia’s fast growing insurance companies, Gibraltar BSN has established itself as a reputable and trusted name in the insurance industry. We offer some of the most comprehensive yet affordable critical illness insurance plans in Malaysia, which can help safeguard your finances against a myriad of costs associated with critical illness including treatment cost, lifestyle changes, and loss of income. 

Gibraltar BSN standalone medical insurance

About Our Critical Illness Insurance Plans

We offer several critical illness insurance plans, amongst them, GoXtra Care and i-Protect & i-Protect Plus. GoXtra Care is our comprehensive critical illness insurance plan, with coverage of more than 150 critical illness conditions. With GoXtra Care, you can receive up to 350% of the coverage amount upon diagnosis of critical illness from 5 different critical illness groups.

i-Protect & i-Protect Plus cover up to five common critical illnesses, with premiums starting from as low as RM7.60 per month. 

Gibraltar BSN medical insurance rider

Critical Illness Insurance Riders

Gibraltar BSN also offers a host of supplementary riders that you can add to your critical illness insurance plan for additional financial protection against critical illnesses. Among them include Gibraltar BSN Critical Care, which pays 100% of the sum assured upon diagnosis of any of the 45 critical illnesses; CI Intense Shield, that provides coverage for Early and Advanced Stage Critical Illness conditions; and Gibraltar BSN Living Extra (Premium Waiver), a waiver of future premium of your policy upon diagnosis of any of the 44 critical illnesses. Whatever your needs are, we can match you with a suitable rider.

Want to see some suggestions instead?
Get Recommendation

What is critical illness?

Critical illness can be defined as a life-threatening health condition that requires extensive medical attention for the support of vital functions. This includes diseases such as cancer, heart attack, stroke, coronary artery by-pass surgery, and kidney failure, among others. 


What is the difference between medical insurance and critical illness insurance?

While medical insurance covers your medical bills, critical illness insurance provides a lump-sum payment to help you cover the other financial challenges that occur when diagnosed with a critical illness. 


How much critical illness cover should I get?

As a rule of thumb, you should ideally get a minimum of five times your annual salary as income replacement for critical illness cover.


What illnesses does a critical illness insurance plan cover? Will my plan cover my pre-existing conditions?

Common life-threatening conditions such as heart attack, stroke, and cancer are covered in our critical illness insurance plans, though the number of illnesses insured varies from plan to plan. Pre-existing conditions may be covered in our critical illness insurance plans subject to terms and conditions.


What is the critical illness insurance claims process?

Once you have checked that your policy is up to date and covers your claim, you may find the relevant forms and supporting documents to make a claim here. For assistance, call us at 1 300 22 6262 or check in with us at your nearest Gibraltar BSN branch. We’ll provide you with all the necessary claim form(s) to be completed, along with information on the supporting documents we'll need from you in order to process your claim. 


Is critical illness insurance cover necessary if I already have a medical insurance plan?

It is recommended that you have critical illness insurance coverage in addition to your existing medical insurance plan. Critical illness insurance ensures you are protected in times of critical illness diagnosis which can be very costly. Gibraltar BSN Malaysia’s critical illness insurance coverage provides you with affordable and wide-ranging protection so that you and your loved ones are financially protected in your time of need. 


Who should purchase critical illness insurance?

Individuals with family health history or a breadwinner whose family cannot meet monthly expenses without their income is highly recommended to purchase a critical illness insurance plan. Gibraltar BSN Malaysia’s GoXtra Care provide additional benefits such as coverage resets and optimal premium waivers so that patients can focus on a full recovery.


Am I eligible for critical illness insurance?

To find out more about our critical illness insurance plans in Malaysia, don’t hesitate to contact us or get an instant quote.


How do I find the right critical illness insurance plan?

Before pinpointing the ideal critical illness insurance plan for you and your loved ones, it is best to keep the following in mind: 

1. Affordability - With many critical illness policies available in Malaysia, it is important to know how much you need to pay for the right coverage that you need. At Gibraltar BSN Malaysia, we provide an instant quotation for our online critical illness insurance plan, starting from only RM7.60 a month.

2. The types of critical illnesses covered - Check that your insurance plan covers common or a wide range of critical illnesses.

3. Medical history - If you have a family health history of a critical illness, it is important to check that those critical illness conditions are covered.


Say no more! I'd like you to contact me!

What is your current marital status?

It’s important for us to know whether our clients smoke—not to judge— but because smoking affects several aspects of their health, and therefore what protection plans we can recommend. So, tell us, are you a smoker?

A client’s past history with critical illnesses also affects what and how we can help insure you. Do you have a history of critical illness?

Next, what do you do for a living? You can type in your designation.

Last but not least: what are your interests?


That's it! We have received your request.
You will be hearing from us soon.