Health Insurance for Individual
Your health is your most important asset. Get the peace of mind of knowing that you and your family are protected.
HSBC Insurance Products
SmartCare Optimum Enhanced offers you a wide range of benefits to cover all your everyday healthcare needs. These plans provide comprehensive Hospitalization, General Practitioner and Specialist Cover.
What is Covered
- High Annual Limit
- High coverage of up to S$1 million per year.
- Outpatient General Practitioner & Specialist Cover
- Includes consultation charges, treatment at an A&E department, diagnostic plans and medical tests.
- Pediatrician Visits
- Waiver of GP referral letter for child below 36 months.
- Reimburses you in full
- Full reimbursement for eligible medical expenses up to the policy annual limit.
- Major Organ Transplant
- Covers charges for transplantation of major organs including the kidneys, heart, liver, lung or bone marrow by surgery from a human donor.
Eligibility And Options:
- Entry Age:
- Adult: From 18 years old to 65 years old (Next Birthday)
- Child: 15 days old to 18 years old (Next Birthday)
- Maximum Renewable Age
- Adult: 80 years old (Age Next Birthday)
- Child: 25 years old (Age Next Birthday)
HSBC Life Shield is an Integrated Shield medical re-imbursement plan designed to complement the Singapore MediShield Life plan.
Types of Shield Plans: View the Full list of Benefits
Highlights:
- High Annual Coverage Limits
- HSBC Life Shield Plan A with private hospital coverage, offers a high annual limit of up to S$2.5 million (If treated by HSBC Life Panel of Specialists or at a Restructured Hospital).
- Long Pre- and Post-Hospitalisation Coverage
- HSBC Life Shield covers you up to 180 days before admission and 365 days after discharge.
- Exclusive Value-Added Services
- Enjoy pre-negotiated consultation fees with our General Practitioners (GP) Panel 1 , Specialist Panel (SP) 1 , Extended Panel (EP) 1 , Physiotherapist Panel 2 and Dental Panel 3 .
A Letter of Guarantee (LOG) of up to HSBC Life Shield annual limit can be issued prior to a hospitalisation or surgery if treated by HSBC Life Panel of Specialists or Extended Panel.
From 1st April 2022, we offer a new Extended Panel of Specialists which consists of specialists belonging to other Shield insurers’ panel who agree to join our Extended Panel and provide Panel benefits to our Shield policyholders. Find out more here .
Enjoy complimentary remote teleconsultation and medicine delivery 4 with our Panel clinics in the comfort and privacy of your own home.
- Enjoy pre-negotiated consultation fees with our General Practitioners (GP) Panel 1 , Specialist Panel (SP) 1 , Extended Panel (EP) 1 , Physiotherapist Panel 2 and Dental Panel 3 .
- Lifetime Renewability
- HSBC Life Shield protects you for life with guaranteed renewability.
Smartcare Executive is a flexible insurance product that provides a range of options to protect you and your loved ones in the event of hospitalization.
A product that is exclusively tailored to fit your budget without compromising on the health protection for you and your loved ones.
What is Covered
- Comprehensive Benefits
- Surgical implants, major organ transplant and daily recovery income benefit.
- Direct Settlement with the Hospital
- Enjoy cashless hospital admission.
- Outpatient Treatment and Kidney Dialysis
- Up to $20,000 per year.
- Discount for Co-payment and/or Deductible
- Up to 30% discount if opted for both Co-payment and Deductible.
Eligibility And Options:
- Entry Age:
- Adult: From 18 years old to 65 years old (Next Birthday)
- Child: 15 days old to 18 years old (Next Birthday)
- Maximum Renewable Age
- Adult: 80 years old (Age Next Birthday)
- Child: 25 years old (Age Next Birthday)
Living in a different country can be the experience of a lifetime. It is important that you have access to quality healthcare treatments wherever you want, while being protected against rising medical costs.
International Exclusive is a health insurance product that gives you access to worldwide private medical care.
What is Covered
- High Annual Limit
- Provides high coverage of up to S$4.5 million per year.
- International Cover
- Comprehensive coverage wherever you are in the world.
- Living Organ Donor
- Pays for transplantation of kidney, heart, liver, lung or bone marrow when a live member donates an organ or tissue to their parent, sibling, child, spouse or partner.
- Pre-existing & Congenital Condition Coverage
- Available only after consecutively covered for 270 days.
- Direct Settle with HSBC Life International listing of hospitals
- Cashless hospital admission.
- Outpatient Treatment
- Covers general and specialist consultations.
- Pregnancy and Childbirth Cover Add-On
- Pays for routine pre-natal care, childbirth and routine post-natal care up to 42 days following childbirth.
Eligibility And Options:
- Entry Age:
- Adult: From 18 years old to 65 years old (Next Birthday)
- Child: 15 days old to 18 years old (Next Birthday)
- Maximum Renewable Age
- Adult: 80 years old (Age Next Birthday)
- Child: 25 years old (Age Next Birthday)
Liberty Insurance Products
Coverage Limit: Max limit each injury
Eligibility:
- Insured and Legal Spouse below 65 years old and children (unmarried and unemployed) between 15 days old and below 18 years old
- Proposal for children must include at least one parent and the choice of plan for the child must be equal to that of the parent(s)
- Remarks: Employment Pass Holders, Student Pass Holders, Dependent Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore
Area Coverage: Worldwide
Key Features:
- Surgical Fees including operation fees and post-operative care for up to a minimum of 91 days
- Hospital Miscellaneous Services
- Diagnostic Services
- Emergency Outpatient Accidental Treatment
- Ambulance Fees
Coverage Limit: Max limit each injury
Eligibility:
- proMediCash is available only to Singaporeans and Singapore Permanent Residents
- Child’s coverage starts from 6 months to 17 years old, or up to 25 years of age if the child is enrolled in an educational institution on full time higher education
- Maximum enrollment age is 60 years, renewable up to 69 years and subject to yearly review
- The proposal for child must include at least one parent and the choice of plan for child must be equal or lower than that of the parent(s)
Area Coverage: Worldwide, provided that the insured person is not outside of Singapore for more than 90 days at a time.
Key Features:
- Daily Hospital Income Benefit
- Cash Benefits
- Post-hospitalisation Transport Reimbursement
- Lodger Benefit
- Get Well Benefit
Annual Coverage Limit: Up to S$ 1,500,000
Eligibility:
- Adults from 18 to 69 years old (inclusive) on next birthday
- Children from 15 days old to 17 years old (inclusive) on next birthday
- Residents of Singapore (Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependent Pass Holders or Work Permit Holders), who are residing in Singapore – Annual Premium Table for Singapore Only applies
- Residents of Singapore who are residing in countries outside Singapore excluding USA – Annual Premium Table for Worldwide Excluding USA applies
- Persons who are permanently residing (more than 60 days) in USA are not eligible
- Proposal for children must include at least one parent and the choice of plan for child must be equal than that of the parent(s)
- Family discount
- A 5% discount is allowed for the coverage taken up by Insured Person and Spouse and 10% Family discount on a Family-unit basis (Insured Person, Spouse, Children) under one Policy
- No discount if the Policy is taken up by one parent and one child
- Family discount does not apply to Outpatient benefits
Remarks: Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore.
Area Coverage: Worldwide, 24 hours (there is no cover available for all persons domicile permanently in USA of whatever nationalities)
Key Features:
- Five plan options with wide range of coverage
- Extended age eligibility
- More optional riders with comprehensive benefits
- Family discount
- Portfolio pricing that assure individual member will not be penalised due to high claim
