• HSBC Critical Illness Plan

    HSBC HEALTH INSURANCE

    HSBC offers a choice between 2 HSBC Critical Illness Plans, namely:

    • Early Critical Care AND
    • SmartCare Optimum

    Early Critical Care:

    It is of utmost important to detect Critical Illness during the early stages because it gives you the best chance for a recovery. Advancement in medicine and technology have made possible the early detection of Critical Illnesses. However, if you are diagnosed with a Critical Illness, you must be in a position to only focus on your recovery without burdening yourself with the treatment and medical costs, loss of income etc. that you will incur.

    Early Critical Care by HSBC is a Critical Illness Plan that provides you with financial coverage against unexpected health concerns that may befall on you.

    Features and Benefits:

    • This plan provides a comprehensive coverage against 102 different illnesses.
    • This plan provides extremely affordable premiums starting from SGD 160 a month that can provide you with coverage of up to SGD 180,000.
    • Whether you are diagnosed with early, intermediate or critical stages of an illness, you can receive up to 100% of the sum assured under the Early Critical Care plan.
    • This policy provides coverage even for illnesses that are not commonly insured in Singapore such as Diabetic Retinopathy, Dengue Hemorrhagic Fever, Severe Rheumatoid Arthritis and Osteoporosis.

    Applying for HSBC’s Early Critical Care:

    You can apply for Early Critical Care by HSBC through the following ways:

    • Visit your nearest HSBC bank branch and speak with a representative for application assistance.
    • You can call the bank on their HSBC NOW phone number provided on the Early Critical Care web page of the official HSBC bank website. You can then request a Personal Wealth Manager or a Relationship Manager for application assistance for this plan.
    • For any queries regarding policy servicing, please contact HSBC Insurance Customer Care Hotline number available on the Early Critical Care web page of the official HSBC bank website.

    SmartCare Optimum:

    Using SmartCare Optimum, you will receive full reimbursement on all eligible expenses such as ICU Charges, Surgeon’s fee, Hospital Room and Board and Hospital Miscellaneous expenses up to the annual limit of the policy.

    Features:

    • Real Protection:
      • Charged benefits
      • No Copayment and Deductible
    • Taking into consideration the advancement in medical technology, additional benefits include:
      • Outpatient Cancer Treatment
      • Outpatient Kidney Dialysis
      • Surgical Implants
      • Major Organ Transplant
    • AXA Outpatient Rider Cover:
      • This plan provides comprehensive cover that goes beyond hospitalization to include minor accidental injuries, food poisoning and stomach virus
    • Value added benefits – Seek assistance round the clock with HSBC’s 24 hour Customer Service Assistance Hotline Number. With SmartCard Optimum, you are entitled for an extensive range of services such as:
      • Telephone medical advice
      • Assistance with making arrangements for medical evacuation and repatriation
      • Assistance with collating claim documents
    • Overseas Protection – For overseas travel not exceeding 90 days, you can seek SmartCare Optimum assistance for the following:
      • Referrals and Arrangements for your hospital admission
      • Updating your family on your progress in the hospital
    • Greater Coverage – Additional comprehensive benefits include:
      • Unlimited days for hospital stay
      • Cash Allowance when hospitalized
      • Dread Disease Recuperation
      • Coverage for up to 80 years of age
    • Flexible insurance plans:
      • A choice between 3 comprehensive insurance plans
      • No restrictions on the choice of hospital enabling you to pick any public or private hospital to receive your treatment

    Benefits at a Glance:

    Type of Plans for SmartCare Optimum ELITE DELUXE CLASSIC
    Annual Policy Limit – this is applicable to ALL Benefits SGD 1,000,000 SGD 500,000 SGD 250,000
    Hospital & Surgical Benefits
    Bed Type (Standard) Single Single Single
    Room and Board (including meals and general nursing care) As charged As charged As charged
    Intensive Care Unit
    Hospital Miscellaneous Expenses - Including Operating Theatre Fees & Ancillary Charges, Inpatient Diagnostic Procedures, Prescription drugs
    Inpatient Physiotherapy
    Ambulance Services
    Surgeon's Fee (including Inpatient Surgery and Day Surgery)
    Anesthetist's Fee
    In-Hospital Physician's Visit
    Pre-Hospitalization/ Surgery Specialist Consultation (up to 90 days)
    Pre-Hospitalization/ Surgery Diagnostic Services (up to 90 days)
    Post-Hospitalization/ Surgery Treatment (Up to 90 days)
    Outpatient Treatment (only due to accident)
    Outpatient Benefits Per Year
    Outpatient Cancer Treatment SGD 150,000 SGD 100,000 SGD 75,000
    Outpatient Kidney Dialysis SGD 150,000 SGD 100,000 SGD 75,000
    Outpatient Dental Treatment SGD 10,000 SGD 8,000 SGD 5,000
    Extended Benefits Per Occurrence
    Major Organ Transplant As charged As charged As charged
    Miscarriage (only due to accident) SGD 5,000 SGD 4,000 SGD 3,000
    Ectopic Pregnancy SGD 5,000 SGD 4,000 SGD 3,000
    Surgical Implants SGD 10,000 SGD 8,000 SGD 5,000
    Medical Report Fees As charged As charged As charged
    Daily Recovery Benefit - Post 7 days of hospitalization (up to a maximum of 30 days) SGD 250 SGD 200 SGD 150
    Dread Disease Recuperation Benefit -Heart Attack, Multiple Sclerosis, Cancer and Stroke SGD 20,000 SGD 15,000 SGD 10,000
    Special Grant SGD 10,000 SGD 8,000 SGD 5,000
    Bonus Benefits
    Parent Accommodation - Up to 60 days per year for children below 12 years of age As charged As charged As charged
    Home Nursing for up to 26 weeks As charged As charged As charged
    Emergency Medical Evacuation / Repatriation¹ Unlimited Unlimited Unlimited
    Local Burial or Repatriation of Mortal Remains¹ Unlimited Unlimited Unlimited

    Note: ¹ the aforementioned benefits are not subject to annual policy limits.

    The following are NOT covered in the policy:

    • Any treatment within the initial 30 days of the cover, excluding accidental injuries
    • Pre-existing conditions, i.e. any illness/injury that existed before the effective date of cover
    • Any injury that has resulted from an act/s of terrorism through using of biological/chemical substances
    • Other standard exclusions such as suicide, congenital conditions, routine physical examinations, pregnancies etc.

    Annual Premium Charges:

    Find below the charges for Elite, Deluxe and Classic annual premiums:

    AGE ELITE DELUXE CLASSIC
    1 year SGD 750 SGD 675 SGD 555
    2 years SGD 768 SGD 678 SGD 559
    3 years SGD 773 SGD 680 SGD 562
    4 years SGD 779 SGD 683 SGD 566
    5 years SGD 784 SGD 687 SGD 570
    6 years SGD 790 SGD 688 SGD 572
    7 years SGD 795 SGD 691 SGD 575
    8 years SGD 800 SGD 694 SGD 579
    9 years SGD 805 SGD 697 SGD 582
    10 years SGD 812 SGD 700 SGD 585
    11 years SGD 817 SGD 705 SGD 587
    12 years SGD 822 SGD 708 SGD 589
    13 years SGD 827 SGD 711 SGD 592
    14 years SGD 838 SGD 715 SGD 597
    15 years SGD 849 SGD 719 SGD 602
    16 years SGD 860 SGD 725 SGD 606
    17 years SGD 870 SGD 730 SGD 611
    18 years SGD 887 SGD 735 SGD 622
    19 years SGD 898 SGD 741 SGD 633
    20 years SGD 908 SGD 747 SGD 644
    21 years SGD 920 SGD 752 SGD 654
    22 years SGD 930 SGD 757 SGD 664
    23 years SGD 946 SGD 762 SGD 672
    24 years SGD 958 SGD 768 SGD 679
    25 years SGD 960 SGD 777 SGD 687
    26 years SGD 968 SGD 785 SGD 694
    27 years SGD 970 SGD 794 SGD 700
    28 years SGD 982 SGD 805 SGD 708
    29 years SGD 997 SGD 822 SGD 714
    30 years SGD 1,019 SGD 849 SGD 735
    31 years SGD 1,024 SGD 865 SGD 752
    32 years SGD 1,046 SGD 887 SGD 768
    33 years SGD 1,072 SGD 908 SGD 784
    34 years SGD 1,098 SGD 930 SGD 800
    35 years SGD 1,118 SGD 951 SGD 817
    36 years SGD 1,144 SGD 968 SGD 833
    37 years SGD 1,171 SGD 984 SGD 849
    38 years SGD 1,210 SGD 1,006 SGD 870
    39 years SGD 1,250 SGD 1,044 SGD 908
    40 years SGD 1,270 SGD 1,087 SGD 944
    41 years SGD 1,300 SGD 1,119 SGD 972
    42 years SGD 1,350 SGD 1,158 SGD 999
    43 years SGD 1,380 SGD 1,212 SGD 1,036
    44 years SGD 1,400 SGD 1,256 SGD 1,064
    45 years SGD 1,458 SGD 1,300 SGD 1,097
    46 years SGD 1,528 SGD 1,345 SGD 1,141
    47 years SGD 1,600 SGD 1,402 SGD 1,196
    48 years SGD 1,676 SGD 1,457 SGD 1,240
    49 years SGD 1,753 SGD 1,513 SGD 1,285
    50 years SGD 1,848 SGD 1,600 SGD 1,370
    51 years SGD 1,942 SGD 1,673 SGD 1,420
    52 years SGD 2,038 SGD 1,729 SGD 1,488
    53 years SGD 2,132 SGD 1,773 SGD 1,561
    54 years SGD 2,238 SGD 1,847 SGD 1,671
    55 years SGD 2,364 SGD 1,926 SGD 1,728
    56 years SGD 2,482 SGD 2,016 SGD 1,813
    57 years SGD 2,613 SGD 2,127 SGD 1,944
    58 years SGD 2,718 SGD 2,247 SGD 2,047
    59 years SGD 2,875 SGD 2,401 SGD 2,172
    60 years SGD 3,016 SGD 2,630 SGD 2,356
    61 years SGD 3,224 SGD 2,789 SGD 2,507
    62 years SGD 3,381 SGD 3,017 SGD 2,655
    63 years SGD 3,519 SGD 3,301 SGD 2,806
    64 years SGD 3,675 SGD 3,512 SGD 2,916
    65 years SGD 3,830 SGD 3,739 SGD 3,039
    66 years SGD 3,985 SGD 3,958 SGD 3,157
    67 years SGD 4,120 SGD 4,128 SGD 3,271
    68 years SGD 4,300 SGD 4,289 SGD 3,399
    69 years SGD 4,481 SGD 4,469 SGD 3,540
    70 years SGD 4,687 SGD 4,660 SGD 3,704
    71 years SGD 4,996 SGD 4,940 SGD 3,948
    72 years SGD 5,305 SGD 5,277 SGD 4,192
    73 years SGD 5,820 SGD 5,726 SGD 4,599
    74 years SGD 6,438 SGD 6,343 SGD 5,087
    75 years SGD 7,210 SGD 6,875 SGD 5,452
    76 years SGD 7,622 SGD 7,234 SGD 5,793
    77 years SGD 7,880 SGD 7,465 SGD 6,001
    78 years SGD 8,034 SGD 7,619 SGD 6,111
    79 years SGD 8,137 SGD 7,722 SGD 6,185
    80 years SGD 8,137 SGD 7,722 SGD 6,185

    Note the following:

    • Ages between 66 and 80 years are only eligible for policy renewal.
    • All ages in the table refer to Age next birthday.
    • The rates are subject to change as per the discretion of the bank and AXA Insurance Singapore Pte Limited without prior notice.

    Eligibility Criteria:

    • The policy is renewable up to the age of 80 (Age next birthday) for adult applicants between 18 and 65 years of age. This is subject to yearly review.
    • The policy is renewable up to the age of 25 (Age next birthday) for children who are between 15 days old and 18 years old (Age next birthday).
    • Singapore Citizens (SCs), Singapore Permanent Residents (PRs), Employment Pass Holders, Work Permit Holders, Student Pass Holders and Dependent Pass Holders are eligible to apply for HSBC’s Early Critical Care plan.
    • Early Critical Care applications for children must include at least 1 parent.

    Applying for HSBC’s SmartCare Optimum:

    • The application form for SmartCare Optimum plan is available on the SmartCare Optimum web page of the official HSBC bank website. Take a print out of the form, fill in all the details and submit it to the bank.
    • Alternatively, you can also send an email/call the bank for any further queries regarding the insurance plan or the application process. The contact details for the same are provided on the SmartCare Optimum web page of the official HSBC bank website.
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