Gibraltar BSN Smart Health Plus

Coverage

How much you can claim for hospital bills

• Annual Limit

  The claims on your medical card cannot exceed this amount in a single policy year.

  from RM1000000 up to RM1200000

• Lifetime Limit

  Know your lifetime limit, your medical card expires if you reached this amount.

  No Limit

• Pre-Hospitalisation Diagnostic Tests

  This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.

  As Charged within 60 days before hospitalisation

• Room & Board

  For the days that you spend in a hospital room instead of your own bed.

  from RM250 up to RM350per day, up to 200 days per disability

• • Pre-Hospitalisation Consultation

    What's covered for medical consultation prior to hospitalisation or day care.

    As Charged within 60 days before hospitalisation

  • Intensive Care Unit (ICU)

    Worsening conditions may require critical care in the specialised hospital ward.

    As Charged up to 100 days per disability

  • Hospital Services and Supplies

    Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.

    As Charged

  • Day Care Surgery

    For treatments and minor surgeries which don't require you to stay overnight at the hospital.

    As Charged

  • Surgical Fees

    How much your medical card covers for surgical procedures, minor and major.

    As Charged

  • Anaesthetist Fees

    Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.

    As Charged

  • Operating Theatre Fees

    All the costs involved for use and set up of the operating room for your surgery.

    As Charged

  • In-Hospital Physician Visits

    This is the limit for the visits from the hospital doctors that are covered by your medical plan.

    As Charged max 2 visits per day

  • Post-Hospitalisation Treatment

    This covers your follow up treatment after your discharge from hospital or day care surgery.

    As Charged within 60 days per disability

  • Outpatient Kidney Dialysis Treatment

    Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.

    As Charged

  • Outpatient Cancer Treatment

    Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.

    As Charged

  • Organ Transplant

    Cost insured if you get an organ tranplant and surgery charges.

    from RM40000 up to RM60000

  • Day Surgery

    For surgical procedures that do not require you to spend the night in a hospital bed.

    As Charged

  • Emergency Accidental Outpatient Treatment

    Cover for emergency outpatient treatment and follow up due to an accident.

    As Charged per accident and follow-up treatment up to 30 days

  • Ambulance Fees

    Charges for local ambulance services to and from the hospital.

    As Charged

  • Cash Allowance at Government Hospital

    Daily lump sum cash benefits for patients who spend the night at a government hospital.

    from RM100 up to RM120per day, up to 150 days a year

  • Insured Child Guardian Benefit

    Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.

    from RM100 up to RM120per day, up to 150 days a year

  • Hospital Cash Benefit

    Daily allowance for patients that are admitted to the hospital.

    up to RM100 per disability

  • Home Nursing Care

    How much you're allowed to claim for care from a government-licensed nurse at your home.

    As Charged up to 180 days per lifetime

  • Hospital Service Tax

    GST charges for medical costs that are covered by your health insurance plan.

    As Charged

  • Medical Report Fee

    Charges for medical report for diagnostic tests, treatment and surgery.

    up to RM70 per disability