Secure Your Peace Of Mind With Comprehensive Coverage From Smart Health Cover.

Invest in your health today to save on future expenses with
Smart Health Cover, offering an all-encompassing solution for
your diverse healthcare needs.

Benefits Of Smart Health Cover : The Strength Of Comprehensive Protection

Experience the full suite of benefits that our robust plans provide, designed to prioritise your well-being.

Comprehensive Health Coverage & Security
Comprehensive Health Coverage & Security

Achieve peace of mind with our all-inclusive coverage, spanning hospitalisation, surgical expenses, and additional medical expenses.

Generous Annual Limit
Generous Annual Limit

Mitigate financial risk with an annual limit of up to RM 2.5 million, providing extensive coverage for diverse health needs.

Health Reward
Health Reward

Celebrate your health! Enjoy a 10% health reward from your insurance fee when you make no medical claims in a year.

Outpatient Benefits
Outpatient Benefits

We're here for you, even beyond the hospital walls. With outpatient benefits that ensure all your health needs are met from outpatient treatments such as physiotherapy, chiropractic, acupuncture, and dengue fever.

No Lifetime Limit
No Lifetime Limit

Enjoy the certainty of sustained coverage with no lifetime limit on your plan with protection for you every step of the way.

Deductible Option
Deductible Option

Gain full value from your plan with no deductibles to worry about, making your coverage transparent and straightforward. Enjoy savings of 15% on Cost of Insurance for the RM500 deductible option.

Cashless Medical Card
Cashless Medical Card

Streamline your healthcare journey with our cashless medical card, designed for simplicity and convenience.

Embrace A Worry-Free Future And Invest In A Comprehensive Health Insurance With
Smart Health Cover.

Don't wait and get a worry-free future with
Smart Health Cover.
Request your free quote now.

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.

Smart Health Cover. A Plan For Every Need.

Discover a range of comprehensive plans, each tailored to cater to diverse health needs and financial capabilities.

30 days to 70 years old
Click here to download the complete list  Plan 1  Plan 2  Plan 3Recommended Plan 4  Plan 5 
Hospital Benefits
  • Hospital Room & Board
    (max 200 days per disability)
RM 150 RM 200 RM 250 RM 300 RM 350
Surgical Benefits
  • Surgical Fees
  • Anesthetist Fees
  • Operating Theatre
As Charged*
Outpatient Benefits
  • Day Surgery and Day Care Benefits
  • Ambulance Fees
As Charged*
Organ Transplant (Additional Limit)
  • Heart, Kidney, Lung, Liver or Bone Marrow
RM 30,000 RM 35,000 RM 40,000 RM 50,000 RM 60,000
Overall Annual Limit RM 500,000 RM 1,000,000 RM 1,500,000 RM 2,000,000 RM 2,500,000
Overall Lifetime Limit No Lifetime Limit
*Subject to Reasonable & Customary Charges
Can't Find The Perfect Fit?
Our team is ready to help tailor a plan specifically for you and your unique needs.
Contact Us Today

Trust Built On Real Experiences, Hear From Our Customers.

Hear from our valued members about their experiences, and discover the difference our comprehensive coverage makes.

Frequently Asked Questions

Got a crucial query? Get your answers here - or Contact Us if your question isn’t answered here.

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.

Download the mobile application IHP Health Concierge to receive your e-Medical Card

Present your e-Medical card at one of our panel hospitals before getting admitted.

Yes, we will reimburse an amount equivalent to the charge that would have been incurred for equivalent treatment of the Disability in a hospital in Malaysia.

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, you may connect with our financial adviser and get a quote for Smart Health Cover medical insurance plan, starting from only RM5/day.

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.

You may pay upfront and submit the relevant forms for reimbursement. For more details in making a claim, please visit

Click here to access our FAQ page

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