Gibraltar BSN

Underwritten by Gibraltar BSN Life Bhd.

Gibraltar BSN i-Care

Be prepared for the unexpected with i-Care, a Gibraltar BSN insurance plan that gives you coverage of up to RM500,000 if any unfortunate event occurs.

    • RM100k Minimum Sum Assured
    • Death Coverage Until Age 80
    • TPD Benefit Up To RM500k
    • Death Benefit Up To RM500k
    • Accidental Death Benefit Up To RM250k

Get covered now with Gibraltar BSN i-Care

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How to Claim

Who do I call to make a claim or state an emergency?

Gibraltar BSN Hotline
  •  1300226262
  • Features

    What makes this Gibraltar BSN insurance policy stand out?

    Cover Term
    Protection up to age 80
    Premium Type
    Progressive rate. Increases as you age.
    Plan Renewal
    Option to renew plan with continued payment of premium.

    Protection for Your Family

    How will Gibraltar BSN help to secure my family’s financial future?

    What's covered by your insurance plan
    Main Coverage
    Coverage Period
    Am I Protected?
    A lump-sum payment to your family when you die of any causes
    from 18 to 80 years oldYes, up to RM500000
    Accidental Death
    Death due to injury from an accident. Acts of war and illegal activities exempted.
    from 18 to 69 years oldYes, up to RM250000
    Total and Permanent Disability
    When you’re unable to work or take care of yourself due to ongoing injury or sickness
    from 18 to 69 years oldYes, up to RM500000

    Age Requirements

    Am I eligible to apply for this Gibraltar BSN insurance?

    Minimum Age
    at least 18 years of age
    Maximum Age
    at most 60 years of age
    Expiry Age
    at most 80 years of age

    Frequently Asked Questions about Gibraltar BSN i-Care

    Things you might want to know

    What is Gibraltar BSN i-Care?

    i-Care is a non-participating yearly renewable term plan that provides coverage against Death, Total Permanent Disability ( TPD) and Accidental Death Benefit. There are 3 plans to choose from, and the sum assured for each plan is illustrated in the table below.

    Plans Plan A Plan B Plan C
    Death Benefit RM100,000
    RM300,000 RM500,000
    Total and Permanent Disability Benefit  RM100,000
    RM300,000 RM500,000
    Accidental Death RM50,000 RM150,000 RM250,000

    Source: Gibraltar BSN

    Tell me more about the benefits.

    Unexpected and unforeseen circumstances may pop up and it's important that your family and loved ones are financially protected.

    Gibraltar BSN i-Care gives you peace of mind with its benefits under 3 plans options:

    • Death Benefit - a lump sum will be paid to your loved ones in the event of your death
    • Total and Permanent Disability ( TPD) Benefit - a lump sum will be payable to reduce your financial burden due to ongoing injury or sickness
    • Accidental Death - an additional lump sum will be paid to your loved ones if your death is due to injury from an accident

    How long am I covered?

    You may purchase this plan between the age of 18 and 60 years old. This plan is an automatic yearly renewable term coverage up to the age of 80 for the Life Assured based on the payment of the appropriate premium. The Death Benefit covers the Life Assured up to the age of 80 while the coverage for both Total Permanent Disability and Additional Accidental Death ceases upon the Life Assured attaining the age of 69. 

    Your premiums are calculated based on your age and the plan you select. The insured can be continue their coverage as long as the premium is paid, so continue to pay your premiums till the age of 80 if you want to be covered.

    What are the major exclusions?

    Like most insurance policies, there are instances where your coverage will not work. In the case of Giraltar BSN's i-Care plan, here is a short summary of the major exclusions. 

    • Death Benefit is not payable if the Life Assured dies through duelling, at the hands of justice, committing or attempting to commit negligence, negligent or unlawful acts under the prevalent law in force or any act contrary to public policy. 
    • Total and Permanent Disability ( TPD) Benefit is not payable if caused by attempted suicide, self-inflicted injury, being under the influence of drugs or liquor, engaging in hazardous activity, engaging in submarine or outer space voyage, performing duties in military, pre-existing illness or accident, dangerous pursuits and dangerous occupation. 
    • Additional Accidental Death Benefit is not payable if death is caused by: assault or murder, riot, suicide, being under the influence of alcohol, drug abuse, pregnancy, pre-existing disabilities, dangerous pursuits and occupations inclusive but not limited to boxing, diving and acrobatics. 

    Of course, this list is non-exhaustive. Remember to check your policy contract for a comprehensive list of exclusions and terms and conditions. 

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