Gibraltar BSN Smart Health

Gibraltar BSN Smart Health offers comprehensive medical coverage including organ transplant, cashless admission, high lifetime limit & 10% cost of insurance refund.

Gibraltar BSN Smart Health
Annual Limit
up to RM225k
Lifetime Limit
up to RM2.7m
Room & Board
up to RM450
Coverage Age
30 days - 88 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM100k up to RM225k
Lifetime Limit
from RM1.2m up to RM2.7m
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM150 up to RM450per 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 per day, up to 100 days
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 RM30k up to RM80k
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 RM80 up to RM140per day, up to 150 days a year
Insured Child Guardian Benefit
from RM80 up to RM140per 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?

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. 

Health Reward

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. 

Medical Insurance with Cashless Admissions

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.

Gibraltar BSN Smart Health 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.

Search Icon

Get the financial support you need


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