HEALTH

HSBC Life Shield

Shield your loved ones with complete care

HSBC Life Shield1 is an integrated shield medical reimbursement plan that complements the Singapore MediShield Life plan. It provides you with a wide range of benefits to cover your everyday healthcare needs, from pre-hospitalisation to post-hospitalisation.​

It offers you a wide range of benefits to cover your everyday healthcare needs, from pre-hospitalisation to post-hospitalisation.

Key Features

High annual coverage limits

Enjoy a high annual coverage limit of up to SGD2.5 million and private hospital coverage for treatment within our panel of specialists if you choose Plan A.

Extended coverage

Get more peace of mind with coverage for up to 180 days before admission to a hospital, and for up to 365 days after you've been discharged.

Lifetime guaranteed renewal

Safeguard yourself and your loved ones with guaranteed and lifetime renewability under your HSBC Life Shield plan, at every stage of life.

Get more from our value-added services

Enjoy free2 remote consultations and medicine delivery, plus pre-negotiated consultation fees within our panel3, and a Letter of Guarantee (LOG) of up to HSBC Life Shield annual limit issued prior to a hospitalisation or surgery if treated by HSBC Life panel of specialists or Extended Panel.

WHAT IS NOT COVERED

This policy excludes:

  • Pre-existing conditions
  • Treatments for intentional, self-inflicted injury or illness
  • Treatments for abuse or misuse of drugs or alcohol
  • Treatments for illnesses related to STD, HIV or AIDS-related illnesses
  • Plastic surgery procedures
  • Other exclusions as listed in the general provisions

Find Out More

Important notes

1HSBC Life Shield is a plan payable by MediSave, subject to MediSave withdrawal limits. For details, please refer to the Ministry of Health website.
2Telemedicine consultation is provided by Fullerton Healthcare Group Pte. Limited ("Fullerton Healthcare") and it is free of charge until 31 December 2024. From 1 January 2025, telemedicine consultation service will be charged at a preferential rate. Fullerton Healthcare may revise the fees and charges or introduce new fees and charges at any time and we will provide you with at least 30 days prior notice. Please refer to the Telemedicine user manual which can be found at www.insurance.hsbc.com.sg/health/products/shield/ for more details.
3This excludes medications, prescriptions, investigations, physiotherapy treatment fees, diagnostic tests such as x-rays, medical appliances, scaling and polishing, extraction of teeth, dental surgery, other dental treatment charges, and surcharges incurred at clinics on our General Practitioners (GP) panel, Specialist Panel (SP), Extended Panel (EP), physiotherapy panel, and dental panel. Please note that HSBC Life Shield does not cover dental treatment except such treatment due to an accident and done during hospitalisation. Please pay all medical treatment and medication fees to the clinic directly. Hospital admission and day surgical procedure bills, if any, may be submitted to HSBC Life for reimbursement. Terms and conditions apply. The list of our value-added services may be amended from time to time.

This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained from our authorised product distributors. You should read the product summary before deciding whether to purchase the product. You may wish to seek advice from a Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Planner, you should consider whether the product in question is suitable for you. Please also refer to the general provisions for the exact terms and conditions, specific details and exclusions of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. It is detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 7 November 2024.

HSBC Life Insurance

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By submitting this form, you authorise us to disclose your personal data to HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”) (Company Reg. No. 199903512M) which would be contacting you regarding your enquiry

 

 

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