Medical Insurance

We’ve got you covered on medical treatment and hospitalisation bills, so that you can keep living life to the fullest.

Medical Insurance Plans

Taking care of your health is the single most important investment you can make, and that means making sure that you can afford the proper care and medical attention required when life throws its curveballs. Medical bills have a way of piling up and putting your finances in a major crisis when you least expect it. Gibraltar BSN offers a comprehensive range of medical insurance plans for individuals and families in Malaysia, including online medical insurance, that can provide the medical cover you need at an affordable premium.

Why Choose Us?

As one of Malaysia’s fast growing insurance companies, Gibraltar BSN has established itself as a reputable and trusted name that offers medical health insurance. The wide range of our medical insurance, including online medical insurance plans, gives you options to select based on your needs. With Gibraltar BSN Malaysia's comprehensive and affordable protection solutions, you can safeguard your finances against medical and hospital-related expenses.

Gibraltar BSN standalone medical insurance

Standalone Medical Insurance Plan

We offer standalone medical insurance plans in Malaysia.

i-Med is an online medical insurance policy that provides essential medical coverage to get you through medical bills. Its benefits include hospital and surgical expenses, and outpatient benefits with an annual limit of up to RM 90,000. Anyone between the age of 18 and 45 is eligible to apply and the plan is renewable every year up to the age of 70. Premiums start from as low as RM41.85 per month.

Gibraltar BSN medical insurance rider

Medical Insurance Riders

Upgrade your insurance plan with a medical insurance policy. Gibraltar BSN offers a number of riders that are attachable to your main insurance policy for enhanced medical benefits and coverage. Whether you are looking for a plan with cashless and hassle-free admission or no lifetime limit, such as Smart Health & Smart Health Cover, or that provides daily cash income during hospitalisation, like the IL Hospitalisation Income Benefit, we can match you with a protection solution that aligns with your specific needs and budget.

Want to see some suggestions instead?
Get Recommendation

Why do I need a medical insurance plan?

While Malaysia has a public universal healthcare system that provides basic medical services to all legal citizens at economical prices, patients are often required to endure long wait times to obtain medical treatment. Signing up for a medical insurance plan gives you the flexibility of hassle-free admissions at private hospitals in Malaysia without having to worry about the price tag. 


How does medical insurance work?

Simply put, you pay a premium for your medical insurance plan, and in return, your insurer pays up to the agreed-upon limit in the event of a medical incident covered by your policy. Before making a claim, you should always check if your insurance policy is in-force.


How much coverage do I need on my medical insurance plans? Does my plan cover pre-existing conditions?

This depends on various factors such as age, lifestyle, family history, etc. Our wealth advisors are happy to help you evaluate your coverage options. Contact us through here.


How are my medical insurance premiums calculated?

Premiums are calculated based on your coverage, age, and any underwriting requirements.


What is the medical 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. 


What coverage is included under our medical insurance plans?

The protection benefits would depend on the medical insurance policy you choose. At Gibraltar BSN Malaysia, we have a wide range of medical insurance plans that are available for you to choose, including hospital and surgical expenses and outpatient benefits.


Is medical insurance the same as critical illness insurance?

No. Medical insurance gives you coverage in the event you need to pay medical bills that may put a significant dent in your finances. The costs that can be covered include hospitalisation and surgical expenses, along with outpatient benefits.

Critical illness insurance provides a lump sum payment upon diagnosis of a listed critical illness in order to ease your financial burden. The lump-sum received can be used to cover costs associated with treatments, lifestyle changes, and loss of income.


Am I eligible for medical insurance?

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


How do I find the right medical insurance plan?

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

Affordability - With many medical insurance 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 medical insurance plan, starting from only RM41.85 a month.

Other Benefits – Other than the standard hospitalisation and surgical benefits, check if your medical insurance cover other important benefits such as outpatient benefits and no lifetime limit.


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.