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Comprehensive Medical Coverage
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.
Outpatient Benefits
Covers outpatient treatment for physiotherapy, chiropractic, acupuncture and Dengue Fever.
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.
No Lifetime Limit
NO lifetime limit to ensure long-term medical coverage with high annual limit of up to RM 2,500,000.
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.
Comprehensive Medical Coverage
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.
Outpatient Benefits
Covers outpatient treatment for physiotherapy, chiropractic, acupuncture and Dengue Fever.
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.
No Lifetime Limit
NO lifetime limit to ensure long-term medical coverage with high annual limit of up to RM 2,500,000.
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.
Insurance Plans
Find the perfect medical insurance plan for your needs.
Understand the differences between the plan options in more detail. Still not sure?
Eligibility
Age
30 days to 70 years old
Nationality
Malaysians
Coverage Term
Up to 99 years old
| Click here to download the complete list | Plan 1 | Plan 2 | Plan 3Recommended | Plan 4 | Plan 5 |
|---|---|---|---|---|---|
|
A)
Hospital Benefits
|
RM 150 | RM 200 | RM 250 | RM 300 | RM 350 |
|
B)
Surgical Benefits
|
As Charged* | ||||
|
C)
Outpatient Benefits
|
As Charged* | ||||
|
D)
Organ Transplant (Additional Limit)
|
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
Hear what others are saying about us:
"I like the website, it is a reflection of a dynamic company with innovative products."
"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."
"I found that Gibraltar BSN products are very affordable and suit the needs of my family. They also have an excellent and consistent fund performance which I am treating that as savings for my children's future."
"Gibraltar BSN's financial advisors were able to provide professional and thorough advice to help me in planning and achieving my financial goals at every stage of my life."
"I prefer Gibraltar BSN because it gives consistent and good return rates from investment plan and there's no processing fee as well."
"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."
"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."
"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."
Don't Wait, Get Protected Today
Getting medical insurance is crucial to protecting your savings from unexpected medical costs.
Start saving on your medical bills now. Contact Us:
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?
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Frequently Asked Questions
Got a crucial query? Get your answers here - or Contact Us if your question isn’t answered here.
Why do I need a 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.
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 do I use my medical card?
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.
Am I insured when I am hospitalised outside Malaysia?
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.
How do I know how much medical coverage I need?
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.
What should I do if I am admitted to a non-panel hospital?
You may pay upfront and submit the relevant forms for reimbursement. For more details in making a claim, please visit https://www.gibraltarbsn.com/support/claims.
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