What is Gibraltar BSN Smart Health?
Gibraltar BSN Smart Health is a unit-deducting medical card rider with a higher lifetime limit and provides comprehensive medical coverage.
There is no payment of premiums for this medical card as it is attached to a whole life insurance policy, Gibraltar BSN GoProtect. Plus, any insurance charges arising from your medical card will be deducted from the value of your units.
It also provides coverage for emergency accidental outpatient treatment, outpatient kidney dialysis and cancer treatments, accidental dental treatment, ambulance fee and daily guardian for your child.
Staying healthy is a must these days, plus it is cost saving and rewarding too.
With a portion of your premium payment goes towards paying insurance costs every month, Gibraltar BSN Smart Health is giving back 10% of it in the form of a refund on your annual cost of insurance.
This Health Reward is entitled to you if you do not make any claim in the first 3 years from your policy start date.
In partnerships with an array of major hospitals and medical centres in Malaysia, you can seek treatment in any of these panel hospitals without paying a cent from your own pocket.
Just present your Gibraltar BSN Smart Health medical card and your ID upon admission, the rest will be taken care of by your medical card.
However, if your guarantee letter is denied and you are required to pay for your bill first, you can always reimburse the payment via pay-and-file claiming process.
Organ Transplant Benefit
This benefit is an additional on top of your annual limit, whereby you can claim up to RM80,000 once per lifetime. The type of organs that are qualified for this transplant is heart, kidney, lung, liver or bone marrow transplant.
Hospital Room & Board
One of the top things to look for in a medical card is the hospital room & board coverage. With Gibraltar BSN Smart Health, you have four plans to choose from:
- Plan 1 - RM150
- Plan 2 - RM250
- Plan 3 - RM350
- Plan 4 - RM450
That is not all, you will also have a maximum hospital stay of 200 days per policy year and per disability.