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.
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.
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.
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:
- Outpatient Kidney Dialysis Treatment
- Outpatient Cancer Treatment
- Outpatient Physiotherapy, Chiropractic and Acupuncture
- Outpatient Dengue Fever Treatment
- Emergency Medical Evacuation and Repatriation
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.
- Emergency Accidental Outpatient Treatment
- Emergency Accidental Dental Treatment
- Home Nursing Care
- Day Surgery and Day Care Benefits
- Outpatient Kidney Dialysis
- Outpatient Cancer Treatment
- Outpatient Physiotherapy, Chiropractic and Acupuncture
- 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 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 |
| Government Hospital Daily Cash Allowance (maximum 200 days) | RM80 | RM90 | RM100 | RM110 | RM120 |
| Daily Guardian Benefit (maximum 200 days) | RM80 | RM90 | RM100 | RM110 | RM120 |
| Hospital Cash Benefit (per disability) | RM100 | RM100 | RM100 | RM100 | RM100 |
| Medical Report Fees (per disability) | RM70 | RM70 | RM70 | RM70 | RM70 |
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).
No lifetime limit
