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Comprehensive Medical Coverage (includes COVID-19)
Smart Health Cover provides comprehensive medical coverage for hospitalisation, surgical and medical expenses. It also includes COVID-19 coverage, giving you peace of mind as you go about your daily life.
No Lifetime Limit
NO lifetime limit to ensure long-term medical coverage with high annual limit of up to RM 2,500,000.
Health Reward
Stay healthy with no medical claims and be rewarded with up to 10% of Cost of Insurance, which will be credited into your investment-linked account.
Deductible Option
Flexibility to choose either zero deductible or RM500 deductible based on your financial & protection needs. Enjoy savings of 15% on Cost of Insurance for the RM500 deductible option.
Outpatient Benefits
Covers outpatient treatment for physiotherapy, chiropractic, acupuncture and Dengue Fever.
A) Hospital Benefits
RM150
As Charged*
B) Surgical Benefits
As Charged*
C) Medical Benefits (Non-Surgical)
As Charged*
D) Outpatient Benefits
As Charged*
E) Outpatient Kidney Dialysis & Cancer Treatment
As Charged*
F) Other Benefits
RM80
RM80
RM100
RM70
As Charged*
Up to RM1,000,000 per lifetime
10% of Annual Cost of Insurance
Deductible Option
Zero Deductible or RM500
The following Benefits shall not be subject to Deductible:
Overall Annual Limit (Includes Benefits A to F)
RM500,000
G) Organ Transplant (Additional Limit, Once Per Lifetime)
RM30,000
Overall Lifetime Limit (Includes Benefits A to G)
No Lifetime Limit
A) Hospital Benefits
RM200
As Charged*
B) Surgical Benefits
As Charged*
C) Medical Benefits (Non-Surgical)
As Charged*
D) Outpatient Benefits
As Charged*
E) Outpatient Kidney Dialysis & Cancer Treatment
As Charged*
F) Other Benefits
RM90
RM90
RM100
RM70
As Charged*
Up to RM1,000,000 per lifetime
10% of Annual Cost of Insurance
Deductible Option
Zero Deductible or RM500
The following Benefits shall not be subject to Deductible:
Overall Annual Limit (Includes Benefits A to F)
RM1,000,000
G) Organ Transplant (Additional Limit, Once Per Lifetime)
RM35,000
Overall Lifetime Limit (Includes Benefits A to G)
No Lifetime Limit
A) Hospital Benefits
RM250
As Charged*
B) Surgical Benefits
As Charged*
C) Medical Benefits (Non-Surgical)
As Charged*
D) Outpatient Benefits
As Charged*
E) Outpatient Kidney Dialysis & Cancer Treatment
As Charged*
F) Other Benefits
RM100
RM100
RM100
RM70
As Charged*
Up to RM1,000,000 per lifetime
10% of Annual Cost of Insurance
Deductible Option
Zero Deductible or RM500
The following Benefits shall not be subject to Deductible:
Overall Annual Limit (Includes Benefits A to F)
RM1,500,000
G) Organ Transplant (Additional Limit, Once Per Lifetime)
RM40,000
Overall Lifetime Limit (Includes Benefits A to G)
No Lifetime Limit
A) Hospital Benefits
RM300
As Charged*
B) Surgical Benefits
As Charged*
C) Medical Benefits (Non-Surgical)
As Charged*
D) Outpatient Benefits
As Charged*
E) Outpatient Kidney Dialysis & Cancer Treatment
As Charged*
F) Other Benefits
RM110
RM110
RM100
RM70
As Charged*
Up to RM1,000,000 per lifetime
10% of Annual Cost of Insurance
Deductible Option
Zero Deductible or RM500
The following Benefits shall not be subject to Deductible:
Overall Annual Limit (Includes Benefits A to F)
RM2,000,000
G) Organ Transplant (Additional Limit, Once Per Lifetime)
RM50,000
Overall Lifetime Limit (Includes Benefits A to G)
No Lifetime Limit
A) Hospital Benefits
RM350
As Charged*
B) Surgical Benefits
As Charged*
C) Medical Benefits (Non-Surgical)
As Charged*
D) Outpatient Benefits
As Charged*
E) Outpatient Kidney Dialysis & Cancer Treatment
As Charged*
F) Other Benefits
RM120
RM120
RM100
RM70
As Charged*
Up to RM1,000,000 per lifetime
10% of Annual Cost of Insurance
Deductible Option
Zero Deductible or RM500
The following Benefits shall not be subject to Deductible:
Overall Annual Limit (Includes Benefits A to F)
RM2,500,000
G) Organ Transplant (Additional Limit, Once Per Lifetime)
RM60,000
Overall Lifetime Limit (Includes Benefits A to G)
No Lifetime Limit
*Reasonable and Customary Charges
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by Anna"I prefer Gibraltar BSN because it gives consistent and good return rates from investment plan and there's no processing fee as well."
by Su Yong"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."
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