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Take care of your employees needs with our health, accident and medical coverage.

Employee Health & Benefits Insurance

Whether you're looking for medical, outpatient or maternity coverage, we'll help you discover the right health insurance plan to cater to your healthcare need

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Employee health benefits Singapore | Medical Insurance | Private Healthcare Insurance | HSBC Life Singapore

(Rebranding) [prod] employee health benefits Category

Flexibility

Customise corporate plan coverage and wellness offerings based on employees' age group and business needs.

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Cost Efficiency

Utilise cost containment measures to help identify cost drivers and any recommended action that is needed.

Dedicated Onboarding Support

Enjoy dedicated HSBC Life Ambassador support for the onboarding of all services as well as exclusive on-site events. 

Digital Capability

Manage your multi-faceted workforce with quick access to information and claims on a one-stop digital platform. 

Boost overall productivity through empowering your employees with Benefits+

Employees are an organisation’s greatest assets. This is why at HSBC Life, we believe in going beyond traditional offerings to empower employees and companies to achieve better health and productivity.
We conducted studies to better understand what employees look for in their employee benefits package and results show that employees from different age groups and industries have very different priorities. To meet the unique needs of all your multi-generational workforce, HSBC Life allows you to provide customisable employee benefits that meet individual needs and offer comprehensive benefits that go beyond traditional protection benefits. 
With Benefits+, companies can stay ahead of the game when it comes to employee engagement and productivity, employees' health and expense control.

For Your Company

Why Benefits+

Tailor personal protection to suit employees’ individual and family needs with add-on options available. 

Manage and improve all aspects of wellness with exclusive access to physical and mental wellbeing to financial services. 

Enjoy full HSBC Life Ambassador support across a full range of services from professional development, financial advice and exclusive bespoke events. 

Access all insurance information and other wellness services on HSBC Life SG app. 

For Your Employees

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*Services brought to you by HSBC Life's partners

Offerings

Fitness and Wellness anytime, anywhere

Empower your staff to lead a healthier lifestyle with a monthly subscription app offered by ClassPass that connects users to fitness classess and wellness experiences. With ClassPass, employees can enjoy the following :

 - variety of workouts and wellness experiences with just one membership

 - HSBC Life exclusive offer with a 1st month free trial with 40 credits and great discounts on plan

 - access in-person experiences, live stream classes or on-demand video and audio workouts

 - exclusive Rewards programme that promote working out together, bossting staff engagement

Fitness

Companies with healthy employees enjoy better productivity, reduced healthcare cost and fewer sick days. With this exclusive fitness offer employees can enjoy the following:

 • Variety of workouts with just one membership

 • Employees can stay active wherever they are with more than 2,000 audio & video workouts and 30,000+ studio partners all over the world

 • Employees can also enjoy personalized fitness workout in the comfort of their own home by booking for a 1: 1 personal training sessions and attend via Zoom.

 • Exclusive Rewards programme that promotes working out together, boosting staff engagement

Benefits+ Services

Mental wellness is an integral but often neglected aspect of overall health. Empower your staff with a comprehensive mental health programme to cater for all mental health needs, transforming emotional wellbeing.

- Raise awareness and provide educational content to engage employees on targeted mental health topics via digital tools, webinars, workshops etc.

- Clinically validated assessment to measure employees ‘s state of emotional wellbeing 

- Personalized coaching and guidance programmes provided by professional psychologists and coaches to help individual achieve their health goals

Mental Wellness

Mental wellness is an integral but often neglected aspect of overall health. Empower your staff with a comprehensive mental health programme to cater for all mental health needs, transforming emotional wellbeing.

• Raise awareness and provide educational content to engage employees on targeted mental health topics via digital tools, webinars, workshops etc.

• Clinically validated assessment to measure employees ‘s state of emotional wellbeing 

• Personalized coaching and guidance programmes provided by professional psychologists and coaches to help individual achieve their health goals

Employee can get access to medical consultation remotely with the following services

- Quick and easy access to reliable doctors through video consultation

- Medication delivered to your employees' homes on the same day

-eMC sent to your employees' email accounts after consultation

-Check in with a doctor online for COVID-19 symptoms

Our goal is to allow your employees to spend less time sommuting and waiting for medical consultations, having more time to focus on recovery

Video Consultation

Employee can get access to medical consultation remotely with the following services

• Quick and easy access to reliable doctors through video consultation

• Medication delivered to your employees' homes on the same day

• eMC sent to your employees' email accounts after consultation

• Check in with a doctor online for COVID-19 symptoms

Our goal is to allow your employees to spend less time commuting and waiting for medical consultations, having more time to focus on recovery

Chronic Disease Management Programme for greater accessibility and better management.
- Video consult a Singapore-registered GP within minutes or have a F2F consultation at any of our partner clinics of your employees' healthcare needs. Free delivery of medication within 3 hours.

- On-demand video consultation, at a flat fee regardless of time of day including weekends and public holidays.

- Dedicated and experienced doctors and nurses to prvide medical assistance, as well as personalised and holistic care plans.

Chronic Disease Management Programme (CDMP)

Chronic Disease Management Programme for greater accessibility and better management.

• Video consult a Singapore-registered GP within minutes or have a F2F consultation at any of our partner clinics of your employees' healthcare needs. Free delivery of medication within 3 hours.

• On-demand video consultation, at a flat fee regardless of time of day including weekends and public holidays.

• Dedicated and experienced doctors and nurses to provide medical assistance, as well as personalised and holistic care plans.

• Cost-efficient, consistent and quality care, while improving patient experience.

Screen for diseases and health conditions with annual assessment and blood tests. Our partner offers a range of comprehensive health screening packages for different needs. Book an appointment via HSBC Life SG app and make the payment directly at the clinic outlet.

Health Screening

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This plan is underwritten by HSBC Life Singapore Pte. Ltd. (“HSBC Life”). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract.

This advertisement is for your information only and does not have any regard to your specific investment objectives, financial situation or particular needs. You may wish to seek advice from a financial planner before making a commitment to buy the product, and if you choose not to seek advice, you should consider whether the product is suitable for you.

This is only product information provided by us. You should seek advice from a financial planner if in doubt.  Buying a life insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender value payable may be 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. A penalty may be imposed for early termination and the new policy may cost more, or have less 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 GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

All information is correct as of 01 February 2023.

Up to S$1,000,000 (for Group Hospital and Surgical plan)

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Take your employee benefits to the next level

Benefits+

Benefits+, a holistic employee benefits programme that allows companies to provide employees customisable insurance coverage and benefits.

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Benefits+ | Employee Insurance by HSBC Life Singapore

(Rebranding) (PROD) Benefits+

No minimum group size

With no minimum group size requirement, you can keep all of your employees covered for full peace of mind.

3 Annual Limit plans to choose from

To suit different needs and budgets, we have 3 plans for you to select from, starting from S$15,000.

Simple and easy to understand

No sub-limits to the plan (unless otherwise stated). 

Covers Pre-existing conditions

No Exclusion on the Pre-existing conditions.

It is not only important for companies to maintain a safe working environment, but also to have ample coverage for employees to manage any unforeseen expenses due to sickness or unfortunate accidents.

Benefits+ Foreign Workers provides protection for your foreign employees against the cost of hospitalisation, surgery and other related expenses with no minimum group size.

Key Features

Coverage

Please refer to the Policy Wordings for the full list of exclusions.

Key Exclusions

What is Not Covered

Entry age

Work permit, S-pass or issued with an In-Principle Approval (IPA) by Singapore Ministry of Manpower (MOM)

Foreign Workers with work passes

Active Service

Eligibilty

Plans

In line with the latest announcement by MOM, we will be extending COVID-19 coverage for Foreign Workers (new and existing employees and dependants) from Day 1 of their arrival in Singapore.

Please click here for the latest advisories by MOM.

Click here for the terms and conditions of the coverage.

An Employee shall be considered in Active Service if:

(a) employed by the Policyholder on a full-time permanent basis, 

(b) actively working on a day which is one of the Policyholder’s scheduled work days, and

(c) performing in a customary manner all the regular duties of his employment with the Policyholder on a full-time basis that day.

Employees on no pay leave for medical reasons, shall not be considered in Active Service, unless otherwise endorsed.

Our total aggregate liability shall not exceed the annual limit for any Insured Member stated in the Policy Schedule. When the aggregate total Benefits paid under this policy in any one Period of Insurance reaches the annual limit for any Insured Member, no further Benefits shall be payable in respect of that Insured Member for the remainder of the Period of Insurance.

Product T&C

Policy Information and More

If something unexpected happens on your trip, rest assured that we've got your back.

We've made it fast and simple for you to submit your claim.

Make a Travel Claim

We settle 90% of travel claims within 10 days* and paid out 18,000 claims in 2018 alone.

Benefits+ Foreign Workers is underwritten by HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract. 

This is only product information provided by us. You should seek advice from a financial planner if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. A penalty may be imposed for early termination and the new policy may cost more, or have less 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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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Every worker matters

Benefits+ Foreign Workers

Benefits+ Foreign Workers provides protection for your foreign employees against the cost of hospitalisation, surgery and other related expenses.

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Benefits+ Foreign Workers | HSBC Life Singapore

Types of Plans & Key Benefits

(Rebranding) (PROD) Benefits+ Foreign Workers

Comprehensive coverage with no sub-limits

Enjoy the flexibility of staying protected without having to be constrained by the limitations of per-disability claims.

Flexible plan options for every need and budget

Tailor your coverage to suit your business' needs. With a wide range of plans and riders, you will be able to find an annual limit plan to suit your budget.

No Minimum Group Size^ to kickstart the plan

With no minimum group size requirement, you can keep all of your employees covered for peace of mind.

For full details, please refer to our policy wording.

When you’re writing the success story of your business, your aim should be to take your company to the next level, not worrying about unforeseen expenses and productivity.

Benefits+ Business provides your employees comprehensive health protection and extra care with holistic wellness services.

What is Covered

Entry Age*

Maximum Renewal Age*

Be a Resident of Singapore, which includes Singapore Citizens and Permanent Residents (holders of re-entry permits) as well as holders of employment passes, work permits, students' passes or dependants’ passes.

Eligibility

We provide coverage for complications arising from COVID-19 vaccinations under our Group Health policies.

^ For policy plan with a group size of 1 employee, there will be 60% loading across all medical benefits (excluding GTL, GCI and GPA) for all insured members.

T&Cs

Benefits+ Business is underwritten by HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract. 

This is only product information provided by us. You should seek advice from a financial planner if in doubt. Buying a life insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender value payable may be 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. A penalty may be imposed for early termination and the new policy may cost more, or have less benefits at the same cost.

Up to S$250,000 (for Group Hospital and Surgical plan)

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Protecting the company's greatest assets

Benefits+ Business

Benefits+ Business is a group health insurance plan that that provides your employees comprehensive health protection and extra care with holistic wellness services.

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Benefits+ Business | HSBC Life Singapore

(Rebranding) (PROD) Benefits+ Business

High Annual Limit

Provides high coverage up to S$4,000,000 or US$2,900,000 a year against rising medical costs.

Outpatient Treatment Coverage

Covers general practitioner and specialist consultations, prescribed drugs, dressings, diagnostic tests and vaccinations

Direct Settlement with Hospitals within our Network

Cashless hospital admission upon approval

International Emergency Medical Assistance

Overseas evacuation and repatriation service is available 24 hours a day, 365 days a year

24-hour Claims Enquiry

For information on your benefits or to discuss a claim

Pre-existing & Congenital Conditions

A healthy employee is a happy employee. With that comes efficiency and productivity for your company. That's why your employees deserve the best health care plan ever.

HSBC Life's Benefits+ International provides your employees with prompt access to medical care and treatment in their hospital of choice, anywhere in the world.

Any behaviour under the influence of alcohol or unprescribed drugs

Access to reputable private hospitals, doctors and specialists

Cashless facility within direct settlement network

24/7 HSBC Life Health Customer Care Centre

24/7 International Emergency Medical Assistance

Preventive healthcare – Health Screening

Minimum: 18 years old (Age next Birthday)

Maximum: 65 years old (Age next Birthday)

Maximum &
Minimum Entry Age

Minimum Group Size

Eligibility and Options

Options

There are three (3) main plans designed to meet your company's needs:

Plan A - Comprehensive Inpatient Treatment, Outpatient treatment and Maternity benefit

Plan B - Comprehensive Inpatient treatment and Outpatient treatment

Plan C - Comprehensive Inpatient treatment and essential Outpatient treatment

Your full-time, permanent and actively at-work employees who are between 18 years and 65 years of age (next birthday), working and residing here in Singapore, may be covered under this policy. Foreign employees not residing in Singapore may also be covered under this policy if they are living outside their home country.

Spouses and children of your eligible employees are also eligible to be covered on either a compulsory or voluntary basis, provided they are insured under the same policy and plan as your eligible employees.

Yes, they are covered for up to SGD250,000/US200,000 for non-elective and immediate emergency treatment.

Pre-existing conditions are covered for up to SGD7,500/USD6,000.

For larger groups, this sub limit can be removed for pre-existing conditions to be covered under the overall benefits.

Congenital conditions requiring inpatient or daycare treatment are covered under "Newborn Cover - Congenital conditions" in Plan A or "Congenital conditions" in Plans A or B.

Yes, they may seek treatment from any registered medical practitioner in any country within the insured area of cover subject to reasonable and customary charges.

There is no additional co-payment if they go outside the HSBC Life network of hospitals. However, we may not be able to arrange direct settlement facilities for their treatment. The total amount payable for an eligible medical condition is subject to reasonable and customary charges.

The pre-authorisation process allows us to assure your employees that:

(ii) inform them of proportion of medical costs covered under their plans.

For cases where pre-authorisation is not possible, your employees may still file for a claim by submitting medical bills and supporting documents to HSBC Life for assessment.

Frequently Asked Questions

Make a Claim

More than just healthcare coverage

Benefits+ International

HSBC Life Benefits+ International provides your employees with international health insurance that covers all their needs & access to reputable private hospitals, with a high annual limit and a range of options to enhance your Employee Benefits package.

Employee Health & Benefits Insurance

Benefits+

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Benefits+ Foreign Workers

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Benefits+ Business

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Benefits+ International

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Benefits+ International Max

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Get in Touch

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HSBC Life & You

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