Gibraltar BSN Smart Health Cover

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

Gibraltar BSN Smart Health CoverNo lifetime limit
Annual Limit
up to RM2.5m
Lifetime Limit
No limit
Room & Board
up to RM350
Coverage Age
30 days - 99 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM500k up to RM2.5m
Lifetime Limit
No limit
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM150 up to RM350maximum 200 days per disability
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Medication and Treatment
As charged within 60 days before hospitalisation
Intensive Care Unit (ICU)
As charged maximum 100 days per disability
Hospital Services and Supplies
As charged 
Day Care Surgery
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged 2 visits per day
Post-Hospitalisation Treatment
As charged within 60 days after discharge, per disability
Outpatient Kidney Dialysis Treatment
As charged outpatient benefit
Outpatient Cancer Treatment
As charged outpatient benefit
As charged outpatient benefit, including Chiropractic and Acupuncture Treatment
Organ Transplant
from RM30k up to RM60kfor heart, kidney, lung, liver or bone marrow. Once per lifetime
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
As charged per accident, including follow-up to 30 days
Medical Evacuation and Repatriation
up to RM1mper lifetime
Emergency Dental Treatment
As charged per accident, including follow-up to 30 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM80 up to RM120maximum hospital stay of 200 days
Insured Child Guardian Benefit
from RM80 up to RM120maximum hospital stay of 200 days
Hospital Cash Benefit
up to RM100per disability. Each plan offers a RM100 Hospital Cash Benefit
Home Nursing Care
As charged maximum 180 days per lifetime
Medical Report Fee
up to RM70per disability. Each plan offers a Medical Report Fees benefit of RM70
Intraocular Lens
As charged 


Additional benefits with this insurance

Investment Linked Plan
Up to RM500
15 days cancellation refund
Hospital Accommodation
Up to 200 days

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
Gibraltar BSN Customer Care Hotline

If you choose Pay & File admissions, follow these steps to speed up your claim:

1. Fill in the Notice of Claim Form
Complete and submit the Notice of Claim form and send it to Gibraltar BSN as soon as possible / within the prescribed time of your policy.

2. Fill in the Claim Form

Visit the Gibraltar BSN website > "Our Support" > "Claims" and choose the relevant Claim Form. Print it out and fill it in.

3. Prepare Supporting Documents
Compile all supporting documents such as medical bills, operation bills and in-hospital physician proof of appointment.

Bring the documents mentioned above to your nearest Gibraltar BSN branch. Should you need help, call the Customer Service helpline at 1 300 22 6262 (local) or +603 2298 0088 (overseas) for assistance.


Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 99 years of age

More Information

What is Gibraltar BSN Smart Health Cover?

This is a unit-deducting hospitalisation and surgical rider which offers you comprehensive medical coverage including Covid-19 with high annual limits over five (5) different choices of medical plans and no lifetime limit.

What are the benefits being offered in this plan?

Upon signing up with Smart Health Cover, you can enjoy some of the benefits below.

  • Health Reward

Do you know that insurance costs are expensive these days? And will keep rising year after year. This is why we can all agree that staying healthy is a luxury that everyone should aim for.

With that in mind, if you have yet to make any claim from your Smart Health Cover in the first 3 years from your policy start date, Gibraltar BSN rewards you with a Health Reward of as much as 10% of a refund on the cost of insurance that you have made every month, which will then be credited into your investment-linked account.

  • No Lifetime Limit

Already this medical plan gives you a high annual limit of up to RM2.5 million—which is refreshed every year—there is also no lifetime limit to this medical card.

With this benefit, you have the flexibility to claim every year up until you reached 99 years of age, which is the policy expiry date.

  • Deductible Option

What makes Smart Health Cover enticing for us is that it comes with a deductible option. So, depending on your financial situation and protection needs, you have the flexibility to choose from zero deductible or RM500 deductible.

And if you choose the RM500 deductible option, you are able to enjoy a 15% rebate on the cost of insurance too!

However, please note that the deductible is not applicable to the following treatments:

  1. Outpatient Kidney Dialysis Treatment
  2. Outpatient Cancer Treatment
  3. Outpatient Physiotherapy, Chiropractic and Acupuncture
  4. Outpatient Dengue Fever Treatment
  5. Emergency Medical Evacuation and Repatriation
  • Outpatient Benefits

Outpatient refers to a patient(s) that is being treated with medical care without being admitted to the ward. And with Smart Health Cover, you can get to take advantage of the outpatient benefits such as the following.

  1. Emergency Accidental Outpatient Treatment
  2. Emergency Accidental Dental Treatment
  3. Home Nursing Care
  4. Day Surgery and Day Care Benefits
  5. Outpatient Kidney Dialysis
  6. Outpatient Cancer Treatment
  7. Outpatient Physiotherapy, Chiropractic and Acupuncture
  8. Outpatient Dengue Fever Treatment

What about the hospitalisation benefits?

The hospital room and board benefits are always among the top things Malaysians like to consider in a medical plan. First and foremost, there are five (5) types of medical plans to choose from, and each of these plans comes with a different benefit like the following.

Plan 1: RM150

Plan 2: RM200

Plan 3: RM250

Plan 4: RM300

Plan 5: RM350

We also would like to highlight that you get to benefit from a maximum hospital stay of 200 days per disability and per policy year.

Other hospital benefits can be found in the below table.

Plan 1Plan 2Plan 3Plan 4Plan 5
Government Hospital Daily Cash Allowance (maximum 200 days)RM80RM90RM100RM110RM120
Daily Guardian Benefit (maximum 200 days)RM80RM90RM100RM110RM120
Hospital Cash Benefit (per disability)RM100RM100RM100RM100RM100
Medical Report Fees (per disability)RM70RM70RM70RM70RM70

I’m interested. Am I eligible to apply?

Anyone with a minimum age of 30 days and a maximum age of 70 years is eligible to apply for Gibraltar BSN Smart Health Cover medical plan.

Find out more details about Smart Health Cover in this Product Disclosure Sheet (PDS).

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