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HSBC Life Shield

HSBC Life

Hospital
Promo
10% discount on first-year premium for new sign-ups. TnCs apply.

Category

Health Insurance

Coverage

Hospitalisation

Coverage Term

Yearly Renewable

Overview

HSBC Life Shield is an Integrated Shield 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. Choose from 3 plans and get up to 2.5 million annual policy limit for panel treatments.

Key Features

  • High annual policy limit of up to 2.5million (panel treatment)
  • As-charged coverage
  • Add Enhanced Care II rider to get high non-CDL Limit (Up to $30,000 per month)
  • Option for more inclusive coverage with the option for selected pre-existing conditions with new risk loading assessment.
  • Receive Value-Added services such as preferential consultation rates at panel GP clinics and specialist panels.

Earn up to 45% commission rebates*

*For eligible insurance plans only

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Understanding Health Insurance Plan

Health insurance helps pay for health care costs in the event of an injury, illness or disability. In general, such plans will fall into two categories: (1) Hospital, and (2) Long-term care.

(1) Hospital plans: Hospital insurance should be prioritised as the foundation of your insurance needs. While all Singaporeans and Permanent Residents are covered under MediShield Life, such plans do not provide as-charged coverage and only offers coverage for Class B2 or C wards in public hospitals.
(2) Long-term care: Payouts from CareShield Life will commence when you are unable to perform 3 out of 6 activities of daily living (ADL). Supplement CareShield Life to receive higher monthly pay-outs if you are disabled and unable to perform 1 or 2 ADLs as specified in your policy.

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Similar Plans

Singlife Shield

Singlife

Hospital

Covers:

Hospitalisation

  • Up to $2million annual coverage
  • As-charged coverage
  • Extra inpatient benefit of $150,000 per policy year
  • Up to 20x MediShield Life monthly claim limit for outpatient treatments listed on the Cancer Drug List for one primary cancer
Enhanced IncomeShield

Income Insurance

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Covers:

Hospitalisation

  • As-charged coverage
  • Access to a panel with over 600 medical specialists
  • Up to 23x MediShield Life monthly claim limit for outpatient treatments listed on the Cancer Drug List for one primary cancer
  • Up to $1.5 million annual coverage
  • Unlimited lifetime coverage for your medical and hospitalisation expenses
Raffles Shield

Raffles Health Insurance

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Covers:

Hospitalisation

  • As-charged coverage
  • Add-on high deductible option to lower your Raffles Shield plan premiums
  • Add-on Raffles Hospital Option to gain access to a private hospital at a lower price tag
  • Up to $1.5 million annual coverage