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:
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.
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:
|HOSPITAL BENEFITS||Plan 1||Plan 2|
|Hospital Room & Board (max.200 days/disability)||RM250||RM350|
|ICU (max.100 days/disability)||As charged||As charged|
|Hospital Supplies & Services||As charged||As charged|
Smart Medical Card with Comprehensive Coverage
The benefits covered by this card include:
- Hospital Benefits - covers hospital room & board, ICU and hospital supplies & services.
- Surgical Benefits - surgical & anesthetist fees and renting of the operating theater.
- Medical Benefits (non-surgical) - pre-hospitalisation, in-hospital and post-hospitalisation coverage.
- Outpatient Benefits - emergency accidental treatments, home nursing care, day surgery & daycare benefits as well as ambulance fees.
- 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)