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.

Key Features

Coverage

Any behaviour under the influence of alcohol or unprescribed drugs

What is Not Covered

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

Plans

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

Policy Information and Downloads

Downloads

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

Make a Claim

This insurance plan is underwritten by HSBC Life (Singapore) Pte. Ltd. ("HSBC Life"). The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from HSBC Life (Singapore) Pte. Ltd. and the participating distributors' offices. You should read the product summary before deciding whether to purchase the plan.

You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners' Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such plans are automatic and no further action is required from you should you buy the plan. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the HSBC Life website at insurance.hsbclife.com.sg or visit the LIA, GIA or SDIC websites (www.lia.org.sg, www.gia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme.

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

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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.

Benefits+ International

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