International Cover

Comprehensive coverage wherever you are in the world.

Outpatient Treatment

Covers general and specialist consultations.

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.

Pregnancy and Childbirth Cover Add-On

Pays for routine pre-natal care, childbirth and routine post-natal care up to 42 days following childbirth.

Pre-existing & Congenital Condition Coverage

Available only after consecutively covered for 270 days.

High Annual Limit

Provides high coverage of up to S$4.5 million per year.

Direct Settle with HSBC Life International listing of hospitals

For full details, please refer to the policy wordings.

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

Coverage

Plans

Pays for routine pre-natal care, childbirth and routine post-natal care up to 42 days following childbirth.
(For 18 years old and above).

Normal Pregnancy and Childbirth Cover  (for Plan A only)

Add-Ons to Consider

Add-Ons

Get up to 50% discount if you opt for an annual deductible and co-insurance.

Premium Discount for Annual Deductible and Co-insurance

From 18 years old to 80 years old
 (Age Last Birthday).
For Child Standalone Policy, from 15 days old

Minimum and Maximum Entry Age

Options of
1) Worldwide
2) Worldwide excluding USA
3) Asia

Area of Cover

Eligibility And Options

Options

There are three (3) plans available along with three (3) areas of cover and three (3) levels of deductible giving you multiple ways to meet your healthcare needs and budget.

Plan A - Comprehensive Inpatient and Outpatient treatment, Optical Care benefit, Dental benefit, Health Screening and other essential benefits. Optional add-on Normal (Routine) Pregnancy and Childbirth Cover.

Plan B - Comprehensive Inpatient and Outpatient treatment including vaccination

Plan C - Comprehensive Inpatient treatment and essential Outpatient treatment

The last entry age is eighty (80) years old.

There is no maximum expiry age for cover. Provided the plan you have chosen is still available, you can continue to renew the policy at the terms and conditions applicable at each policy anniversary.

A deductible is an amount you need to pay towards the covered expenses before we start paying for your treatment. A co-insurance is a share of the eligible medical expenses that you need to pay.

There are three (3) levels of deductible and co-insurance available as an option for you to reduce your premium. Please refer to the benefits table for details on whether the annual deductible or co-insurance is applicable.

Based on eligible expenses for a member insured under Plan A with Option 1 S$700 deductible and 20% co-insurance.

You can use the HSBC Life Panel Clinic Listing and Locator to find a General Practitioner clinic that is convenient for you to visit.

Yes. However the principal member (the main applicant) can be insured on a plan lower than the other members enrolled under the same policy.

We offer 10% family discount if there are three(3) or more family members who are covered under the same plan. This discount is on top of the premium discount for annual deductible and co-insurance options. The family discount is available at every policy renewal as long as there are three (3) or more family members covered under the same policy.

Yes, you can. A 20% premium loading on the prevailing brochure premium rates will apply if your child is aged fifteen (15) days to five (5) years old at the time we accept your application or renewal (whichever is applicable). However, the parent or the guardian must still be the policyholder.

If you are a Singaporean national, you will be able to renew your policy if you return to your home country.

If you are not a Singaporean national and you are returning to your home country to live, you will not be able to keep on renewing this policy. We will provide cover until the policy expiry date where the customer ceases to be eligible under InternationalExclusive.

Whenever you change your principal country of residence, you must notify us about any change as this may impact your premium.

Failure to notify us about any change in principal country of residence may impact the level of cover.

Yes. You can change your plan level or area of cover upon policy renewal. Any upgrade in cover is subject to our approval.

We may consider such request. Please complete an upgrade form together with the supporting documents for our review.

We will not change the terms of your policy alone simply as a result of your personal claims. The premium payable at each policy renewal is determined based on the attained age of each member and may change according to past or foreseeable changes in medical practice or procedures and the type and frequency of claims made generally by all those of our members covered under the same plan as you.

Yes, you are covered up to the amount shown in your benefits table for emergency treatment which arises suddenly when you are outside your area of cover. You are not covered if you have travelled outside your area of cover to get treatment or it is not an emergency treatment, and also, under no circumstance this benefit is payable for any aspect of pregnancy or childbirth.

Our plan A & B provides cover for pre-existing conditions after 9 months (270 days) of consecutive membership, provided that you have declared the pre-existing conditions on the application form and your application is accepted by us, and also, provided the pre-existing conditions are not part of the exclusions/limitations.

Yes, you are free to choose any recognised doctor for your treatment in any country within your chosen area of cover subject to Reasonable and Customary charges. The chosen treatment must be established as being effective and not experimental or pioneering medical or surgical techniques including medicines and medical devices not approved by the relevant authorities, government regulatory board. For established treatment, this means procedures and practices that have undergone appropriate clinical trial and assessment, sufficiently evidenced in published medical journals for specific purposes to be considered proven safe and effective therapies.

There is no additional co-payment if you receive treatment outside the HSBC Life direct settlement network of hospitals. However, we may not be able to arrange direct settlement facilities for your treatment.

By seeking our authorisation in advance, we will confirm if your treatment is eligible under your policy and if the cost is within the remaining benefit limit of your plan. You will be protected from any unexpected costs.

Babies conceived through assisted conception/assisted pregnancy maybe eligible to be covered subject to our approval. Upon our acceptance of the application, they are subject to special terms including waiting period and all other general terms, conditions and exclusions of the policy.

Yes. The policy pays for treatment of congenital conditions up to the limit shown in “New Born Cover – congenital conditions” on Plan A or “Pre-existing conditions and congenital conditions” on Plan A or B.

Yes. For pre-hospitalisation, we will pay for consultations (including prescribed investigations and essential medications) from which the need for hospitalisation is concluded.

Post-Hospitalisation treatment is covered up to 90 days from the date of discharge from the hospital for an eligible in-patient treatment or daycare treatment.

Any other eligible out-patient consultation and treatments related to the same condition but not resulting in hospitalisation are covered under Primary and Specialist care (only available under Plan A & B).

Treatment for HIV/AIDS is covered on Plan A as a result of occupational accident or blood transfusion. This is available when signs or symptoms for HIV/AIDS are present for the first time after the member is insured on Plan A after 36 months of continuous membership.

In general, we would recommend international medical insurance for foreigners due to the high annual cover limit and extensive global coverage.

Depending on your needs and budget, International Exclusive plan has 3 plan types with varying annual limits to choose from.

All International Exclusive plans covers dental treatment due to accidental damage to natural teeth.

All International Exclusive plans cover pre and post-natal complications. However, only Plan A covers pregnancy and childbirth, up to S$22,000.

Do note that all maternity benefits mentioned above are available only after 365 consecutive days of membership.

Frequently Asked Questions

Policy Information and Downloads

Downloads

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Get In Touch

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 financial planner before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified financial planner, 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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Make the world your home

International Exclusive

HSBC Life’s International Exclusive offers plenty of benefits including high coverage up to S$4 million a year, cashless hospital admission upon approval, international emergency medical assistance and more.

International Exclusive

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