Medical Insurance

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. 

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.

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.

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

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. 

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.

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.

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

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.