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Coverage increase by 5% every 5 years until 20th year.
Total & Permanent Disability (TPD) Benefit
In the event of total and permanent disability, a lump sum will be payable to reduce your financial burden.
In the event of death, a lump sum will be paid to your loved ones.
Upon maturity of your policy, Investment Account Value shall be payable in one lump sum.
You may partially or completely switch among the Investment Link Funds we offer.
Wide selection of riders to enhance your protection
Enhance your main policy with riders for additional medical coverage, hospitalisation expenses and critical illnesses.
Flexible options to top up, or withdraw funds partially / fully at anytime
At any time throughout your policy term, feel free to add more into your investment or withdraw any amount as you need.
You can choose to renew your policy up to the maximum maturity age of 100 years old.
Want to add extra coverage to your main policy? Choose among these riders that best suit your needs!
Smart Health & Smart Health Plus
Go on and enjoy life’s most exciting moments knowing your medical and hospital-related bills are covered.
Gibraltar BSN IL Living Extra (WOP)
Rest easy, we’ve got you covered. Premium is waived if a critical illness occurs.
CI Intense Shield
Continue leading an inspiring life knowing you are protected against all stages of critical illnesses.
Gibraltar BSN IL CI (Additional)
Go on inspiring others as we’ve got you protected against critical illnesses.
Gibraltar BSN IL CI (Accelerated)
One less item to worry about. We’ll provide financial support if a critical illness occurs.
IL Hospitalisation Income Benefit
Stay focused on your recovery. We’ll take care of you with daily cash income for intensive care unit stay
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“I chose Gibraltar BSN for its good funds track record to diversify my investment portfolio, and I am confident in Gibraltar to manage my legacy during unforeseen events.”by GK
"I love Gibraltar BSN Pos Hayat because it is affordable and it also povides a very good coverage. It costs only RM91 per year with such good benefit and features."by Faizal
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"The family plan is so affordable and it offers a good rates. The agents are good in recommending plans that are suitable for saving for my children's future as well as getting them medical card. When comes to payment, I can easily pay with their multiple payment channels."by Shirleen Tan
"I know with Gibraltar BSN, I am not worried for my kids' future. I can grow my savings with their investment plan and also getting comprehensive medical coverage for the whole family."by Brandon
"The agent that called me was very polite and patient with me, their tele-sale process was relatively simple with clear next steps at each stage. The entire process gives me the impression that they care about me as a customer in making sure that help is available whenever I need it."by Kieran Paresh