Gibraltar BSN GoXtra Care

A comprehensive critical illness medical plan that provides financial assistance for over 150 critical illness conditions to the life insured. Get covered for all three stages of diagnosis - Early, Intermediate and Advanced, plus a Death Benefit to financially assist your loved ones.

Gibraltar BSN GoXtra CareOptional Premium Waiver
Min Sum Covered
No. of Illness
Entry Age
18 years - 60 years
Max Cover Age
80 years
Early Stage Coverage


What can I claim from this insurance policy?

  • Cancer
Major Organ Failure
  • End-stage Kidney Disease
  • Bone Marrow Transplant
  • Systemic Lupus Erythematosus With Lupus Nephritis
  • End-Stage Liver Disease
  • End-Stage Lung Disease
  • Fulminant Viral Hepatitis
  • Primary Pulmonary Arterial Hypertension
  • Chronic Aplastic Anemia
  • Terminal Illness
  • Major Organ Transplant
Heart Related
  • Heart Attack
  • Other Serious Coronary Artery Disease
  • Heart Valve Surgery
  • Surgery To Aorta
  • Severe Cardiomyopathy
  • Coronary Artery Bypass Surgery
  • Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
Brain Related
  • Brain Surgery
  • Benign Brain Tumor
  • Coma
  • Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
  • Loss Of Independent Existence
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson's Disease
  • Progressive Scleroderma
  • Stroke
Infection Related
  • Bacterial Meningitis
  • Occupationally Acquired HIV
  • Full Blown AIDS
Accident Related
  • Major Head Trauma
Sensory Loss
  • Deafness Or Total Loss Of Hearing
  • Loss Of Speech
  • Blindness Or Total Loss Of Sight
Women Related
  • Facial Reconstructive Surgery Due To Cancer Or Accident

Contact Info

Who do I contact for any inquiries?

Gibraltar BSN Customer Care Hotline
Gibraltar BSN Hotline


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 60 years of age
Coverage Expiry Age
At most 80 years of age

More Information

What is Gibraltar BSN GoXtra Care?

The GoXtra Care by Gibraltar BSN is a regular premium non-participating term medical plan that offers comprehensive coverage for over 150 critical illness conditions upon diagnosis. From Early, Intermediate and Advanced Stages, get as much financial support as needed with GoXtra Care as you take your time to recover.

GoXtra Care comes with a minimum sum assured of RM40,000 up to a maximum of RM2 million and the coverage term is up to 80 years old—which is quite the bargain considering this is a comprehensive critical care plan.

However, while it is always better to opt for the highest sum assured amount, it is usually not the case if you ended up wasting a lot of money on the premium payable for coverage that you don’t actually need. Therefore, you should think through how much sum assured you need by taking into account your overall health condition, lifestyle, budget as well as needs and preferences.

What are the benefits of this medical plan?

It is an undeniable fact that almost all the treatments for critical illnesses such as heart disease, head trauma, stroke and the list go on; can cost a fortune.

Hence, this is where a critical care plan like GoXtra Care can assist you in the event you face any unfortunate illness in the near future. By signing up for GoXtra Care, you are able to receive the benefits listed below.

  • Early, Intermediate and Advanced Stages of Critical Illness Care

Yes, you read it right. GoXtra Care can cover you in these three stages upon diagnosis of any applicable illness listed in this policy’s Product Disclosure Sheet. The payable sum assured is as follows.

Early Stage: 50% of the sum assured, capped at RM200,000 or whichever is lower and on a per-person basis

Intermediate Stage: 100% of the sum assured, capped at RM500,000 or whichever is lower on a per-person basis

Advanced Stage: 100% of the sum assured, except for full-blown AIDS of which 50% of the sum assured will be payable

  • Death Benefit

If the Life Insured is deceased, all the premiums paid will be payable to your loved ones, without interest and provided there isn’t any indebtedness.

  • Coverage Reset Benefit

The Life Insured can enjoy this benefit whereby their coverage amount i.e. sum assured would be reset to 100% should there aren’t any claims made within 12 months after the first Early Stage critical illness claim.

  • Optional Premium Waiver

This is a premium rider called Gibraltar BSN Living Extra in which your premium payments will be taken care of once you’ve been diagnosed with one of the covered Advanced Stage critical illnesses. This way, you can solely focus on your recovery. You can find more details about this rider here and it is fully optional.

Special Condition Benefit

Apart from the medical benefits shown above, you as the policyholder can also receive a Special Condition Benefit with GoXtra Care whereby 10% of your chosen coverage amount (capped at RM20,000) will be payable to help you recover, upon diagnosis requiring Angioplasty and Other Invasive Treatments for Coronary Artery Disease, Diabetes Complication or Mental Illnesses. For a full list of applicable special conditions, you can find them in the PDS.

What are the eligibility criteria to apply for GoXtra Care?

Anyone between the age of 18 years to 60 years is eligible to purchase Gibraltar BSN GoXtra Care. However, individuals with pre-existing illnesses are not eligible to apply for this critical care medical plan. Check for other major exclusions of this policy in the PDS.

Is it possible to cancel my policy?

Yes. Upon receiving your policy contract, you will have a free-look period of 15 days to make sure it fits your needs or budget. Otherwise, you may return the policy contract within the said period to Gibraltar BSN. Thereafter, it will be considered void and no longer work. Please read through the PDS for more information.

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