Gibraltar BSN

Underwritten by Gibraltar BSN Life Bhd.

Gibraltar BSN Smart Health

Offering comprehensive medical coverage including organ transplant, cashless and hassle-free admission, 10% refund on cost of insurance, and high lifetime limit. Gibraltar BSN Smart Health understands your unique medical needs.

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

Your Health Is Your Wealth. Get Medical Coverage With BSN.

Your Health Is Your Wealth. Get Medical Coverage With BSN.

Apply online now for Gibraltar BSN Smart Health

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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 RM100000 up to RM225000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM1200000 up to RM2700000
  • 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 RM150 up to RM450per 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 per day, up to 100 days
    • 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 RM30000 up to RM80000
    • 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
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to 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 RM80 up to RM140per 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 RM80 up to RM140per 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

    Things you might want to know

    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. 

    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.

    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.

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