Medical Insurance Made Easy For Malaysians

Focus on your recovery worry-free knowing that your medical bills are taken care of with this comprehensive medical plan. Get up to RM2.5mil annual limit with no lifetime limit.

Why Do You Need Smart Health Cover?

Benefits That Make a Difference in Your Life

Comprehensive Medical Coverage
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
Outpatient Benefits

Covers outpatient treatment for physiotherapy, chiropractic, acupuncture and Dengue Fever.

Health Reward
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

NO lifetime limit to ensure long-term medical coverage with high annual limit of up to RM 2,500,000.

Deductible Option
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?

Contact Us
30 days to 70 years old
Coverage Term
Up to 99 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
  • Emergency Accidental Outpatient and Dental Treatment
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

Hear what others are saying about us:

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:

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?


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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.

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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