Gibraltar BSN

Underwritten by Gibraltar BSN Life Bhd.

Gibraltar BSN Smart Health Plus

Gibraltar BSN Smart Health Plus is a cashless medical card with comprehensive coverage and no lifetime limit. Enjoy Health Reward of 10% refund on annual cost of insurance when zero claim is made.

    • Investment-Linked Policy
    • Hospital Accommodation Up To 200 Days
    • 15-Day Cancellation Refund

You Can Enjoy Affordable MedicalCoverage From As Low As RM 5/day

You Can Enjoy Affordable MedicalCoverage From As Low As RM 5/day

Apply online now for Gibraltar BSN Smart Health Plus

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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
View more coverage details +


How much your premiums may cost

    Actual premium rates will be determined by Gibraltar BSN Life Bhd. and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

    How to Claim

    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 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.

    Medical Assistance Hotline & Services
     1300226262  60322980088
    Gibraltar BSN Customer Care Hotline


    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 30 days of age
    Maximum Entry Age
    At most 65 years of age
    Maximum Renewal Age
    At most 87 years of age
    Coverage Expiry Age
    At most 88 years of age

    You can attach your policy with the following insurance policies

    Gibraltar BSN GoProtect

    Frequently Asked Questions about Gibraltar BSN Smart Health Plus

    Things you might want to know

    What is this medical card about?

    Gibraltar BSN Smart Health Plus is a unit-deducting medical card attachable to Gibraltar BSN GoProtect whole life insurance.

    Adding this medical card rider to your life insurance will boost medical coverage for you and your family. Three major benefits from this Gibraltar BSN medical card are:

    Health Reward

    Do you know that insurance costs (fees and charges applied in the provisions of health services) keep rising every year? That's why it is important to stay healthy.

    With that in mind, if you have not made any claim from your Gibraltar BSN Smart Health Plus in the first 3 years from your policy start date, you will receive a Health Reward in the form of 10% refund on the annual cost of insurance.

    The cost of insurance is deducted monthly from the payment of premiums toward your whole life insurance policy. 

    No Lifetime Limit

    Already this plan is giving you a high annual limit of up to RM1.2 million, which is refreshed every year, there is also NO lifetime limit to this medical card. 

    With no lifetime limit, you have the flexibility to claim every year up until you reached 88 years old, which is the policy expiry date.

    Cashless Admissions

    To ensure that you have prompt access to medical care, you can enjoy the convenience cashless admissions from a wide selections of major hospitals and medical centres in Malaysia. 

    The hospital benefits for Smart Health Plus are as followings:

    Plan 1Plan 2
    Hospital Room & Board (max.200 days/disability)RM250RM350
    ICU (max.100 days/disability)As chargedAs charged
    Hospital Supplies & ServicesAs chargedAs charged

    Smart Medical Card with Comprehensive Coverage

    The benefits covered by this card includes:

    1. Hospital Benefits - covers hospital room & board, ICU and hospital supplies & services.
    2. Surgical Benefits - surgical & anesthetist fees and renting of operating theater.
    3. Medical Benefits (non-surgical) - pre-hospitalisation, in-hospital and post-hospitalisation coverage.
    4. Outpatient Benefits - emergency accidental treatments, home nursing care, day surgery & day care benefits as well as ambulance fees.
    5. Outpatient Kidney Dialysis & Cancer Treatment

    On top of that, you'll get additional coverage for an organ transplant (heart, kidney, lung, liver or bone marrow) of up to RM60,000, claimable once per lifetime.

    For parents, rest assured that Daily Guardian Benefit for children is covered as well in case of an unfortunate event happens to you.


    Anyone with a minimum age of 30 days and a maximum age of 65 years old who owns and is planning to buy Gibraltar BSN GoProtect whole life insurance can attach this medical card rider.

    The plan is renewable up to 87 years old.

    Other Benefits of Gibraltar BSN Smart Health Plus

    Here are some of the other benefits that you'll get when you sign up for the medical card:

    • Government Hospital Daily Cash Allowance - up to RM120/day
    • Hospital Cash Benefit - RM100/disability
    • Medical Report Fees - RM70/disability
    • Hospital Service Tax - covered (as charged)

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