Gibraltar BSN Smart Health Plus

Gibraltar BSN Smart Health Plus is a cashless medical card with comprehensive coverage & no lifetime limit. Get a 10% refund when you don't make any claim.

Gibraltar BSN Smart Health Plus
Annual Limit
up to RM1.2m
Lifetime Limit
No limit
Room & Board
up to RM350
Coverage Age
30 days - 88 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM1m up to RM1.2m
Lifetime Limit
No limit
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM250 up to RM350per day, up to 200 days per disability
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Intensive Care Unit (ICU)
As charged up to 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 max 2 visits per day
Post-Hospitalisation Treatment
As charged within 60 days per disability
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Organ Transplant
from RM40k up to RM60k
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
As charged per accident and follow-up treatment up to 30 days
Emergency Dental Treatment
As charged per accident and follow-up treatment up to 30 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM100 up to RM120per day, up to 150 days a year
Insured Child Guardian Benefit
from RM100 up to RM120per day, up to 150 days a year
Hospital Cash Benefit
up to RM100per disability
Home Nursing Care
As charged up to 180 days per lifetime
Hospital Service Tax
As charged 
Medical Report Fee
up to RM70per disability


Additional benefits with this insurance

Investment Linked Plan
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 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 65 years of age
Maximum Renewal Age
At most 87 years of age
Coverage Expiry Age
At most 88 years of age

More Information

What is Gibraltar BSN Smart Health Plus?

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 a 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 selection of major hospitals and medical centers 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 include:

  1. Hospital Benefits - covers hospital room & board, ICU and hospital supplies & services.
  2. Surgical Benefits - surgical & anesthetist fees and renting of the 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 & daycare 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)
Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product