General Practitioners (GP) Panel

S$101 Consultation fee per visit

GP Consultation rate surcharge applies for 24/7 clinics from (00:00hrs - 08:29hrs) - S$35 per visit1

Specialist (SP) Panel and Extended Panel

Over 700 medical specialist clinics across various specialties

S$1001 First standard consultation fee per visit unless indicated otherwise.

S$701 Follow-up standard consultation fee per visit unless indicated otherwise. For more information, please refer to our exhaustive list of HSBC Life Shield Panel of Specialists.

Physiotherapist Panel

S$1302 First Physiotherapy Session

S$1102 Subsequent Physiotherapy Session

Dental Panel

Letter of Guarantee (LOG)

Up to S$1 million for HSBC Life Shield Plan A, S$550,000 for HSBC Life Shield Plan B or S$150,000 for HSBC Life Shield Standard Plan (for panel specialist and subject to pre-authorisation of your medical conditions)

Up to S$50,000 for non-panel specialist (subject to pre-authorisation of your medical conditions)

Up to S$100,000 for non- panel specialists (subject to pre-authorisation of your medical conditions and in accordance to MOH Fees Benchmarks) 

Up to S$120,000 waiver of deposit LOG at public hospitals and public specialist centres.

24/7 HSBC Life Shield LOG Hotline at 6342 5292

Assist you to fix an appointment to see our panel specialists

Arrange for pre-authorisation with both panel and non-panel specialists to determine if HSBC Life Shield Letter of Guarantee (LOG) may be issued

HSBC Life is the first Integrated Shield Plan insurer to offer HSBC Life Shield General Practitioners (GP) Panel, Dental Panel, Physiotherapist Panel, in addition to our existing HSBC Life Shield Specialist (SP) Panel. We select our panel healthcare providers based on their years of experience and their ability to provide quality healthcare at reasonable costs. In our panel selection, the following are considered:
(1) Financial quality – reasonable pricing according to national fee benchmark and complexity of the procedure performed.
(2) Service quality – Good track record of service with no serious disciplinary issue or complaints from patients.
(3) Clinical quality – No severe lapse or compromise in clinical standards as required by the medical professional board.

HSBC Life Shield Letter of Guarantee (LOG) is a true guarantee letter issued by HSBC Life prior to your hospitalisation or surgery. This will reduce your worry knowing that your medical expenses are taken care by HSBC Life, so that you may proceed to cashless hospitalisation and focus on a speedy recovery.

Highlights

Coverage

The information below displays the turnaround time for Pre-Authorisation for the issuance of guaranteed Letter of  Guarantee (LOG) to the private hospitals/private day surgery centres/private specialist clinics. 

Pre-Authorisation turnaround time refers to the time taken for HSBC Life to determine whether the LOG can be issued and the amount of LOG , and it is calculated from the time we receive the completed  Pre-Authoristation form from the treating doctor to the time we issue the LOG. 

HSBC Life Shield offers pre-authorisation for inpatient treatment , day surgery, outpatient cancer treatment including chemotherapy and radiotherapy . 

This allows our customers to know the amount that is covered by Us prior to undergoing their medical treatment, so they can make more informed decisions and have a greater peace of mind knowing they are covered and how much they are covered for the particular medical treatment. 

The table below shows our target turnaround time to issue the LOG from the date of receipt of the completed Pre-Authorisation Form. 

P50 TAT shows the median days i.e  50 out of 100 LOG are processed within the indicated number of days in the table .

P75 TAT means 75 out of 100 LOG are processed within the indicated number of days in the table . 

# For government hospital admission, HSBC Life Shield offer a electronic letter of guarantee (LOG) up to $120K or the claimable amount , whichever is lower for similar treatments including inpatient treatment, day surgery , outpatient cancer treatment including chemotherapy and radiotherapy.  

This is a waiver of deposit LOG and the claim will be assessed later on when we receive the electronic filed hospital bill from the hospital. 

The eLOG service is a 24/7 service and available at all government hospitals and customers just need to inform the hospital staff prior to their admission.   

Your premiums are used to pay for claims, commissions and other expenses involved in administering your policy*. 

The cost of claims would change depending on the claim size and number of claims submitted by policyholders. In the past 3 years, the average bill size had decreased by 4% and increased by 10% in the public and private healthcare institutions respectively. The number of claims submitted per policyholder had also increased by 12%.

*Based on all long-term accident and health plans, including IPs and riders
#All figures are on gross basis

Transparency Indicators

HSBC Life Shield is a plan payable by MediSave, subject to MediSave withdrawal limits. Please refer to the Ministry of Health's website (www.moh.gov.sg) for details.

1. Excludes medications, prescriptions, investigations and surcharges. Please pay all medical treatment fees to the clinic directly. If there is any hospital admission /day surgical procedure, such bills may be submitted to HSBC Life for reimbursement. Terms and Conditions apply. The list of value-added services may be amended from time to time.

2. Please pay all physiotherapy treatment fees to the clinic directly. If there is any hospital admission /day surgical procedure, such bills may be submitted to HSBC Life for reimbursement. Terms and Conditions apply.

3. Exclude medication, prescriptions, diagnostic test like X-ray, medical appliances, scaling and polishing, extraction of teeth, dental surgery etc. Please pay all dental treatment fees to the clinic directly. Please note that HSBC Life Shield does not cover dental treatment; except dental treatment due to an Accident and such treatments are done during hospitalisation.

Product T&Cs

Visit HSBC Life Shield General Practitioner (GP) Panel and present your HSBC Life Shield e-card. If GP needs to refer you to a Specialist for further treatment, please ask GP to refer you to a Panel Specialist to continue to enjoy the discounted consultation rate and if there is a need for hospitalization/day surgery, you may call the LOG hotline which is available 24/7 at 6342 5292 for a guaranteed LOG. The LOG is subject to HSBC Life’s assessment and approval.

Step One : Visit a General Practitioner (GP)

Visit HSBC Life Shield Specialist (SP) Panel and present your HSBC Life Shield e-card to identify yourself as HSBC Life Shield customer to enjoy the discounted rate on consultation. 

Call our LOG hotline which is available 24/7 at 6342 5292 for a guaranteed LOG should you require day surgery or hospitalization. 

For elective surgery or hospitalization, please give us at least 3 days advance notice so that we can assess your request for LOG. 

The LOG is subject to HSBC Life’s assessment and approval. 

Step Two : Visit a Specialist (SP) Panel and Request for LOG

Receive the pre-authorised LOG within 3 working days. 

Rest assured that your medical bill will be taken care of by HSBC Life and you can experience a hassle-free discharge from the hospital.

Step Three : Experience a Hassle-free Discharge

to HSBC Life Shield Panel and LOG Service

A Quick Guide

Quick Guide

Mary, a 43 year-old Singapore Citizen, suffered from Multiple Fibroid (Abdominal Pain).
She is covered with HSBC Life Shield Plan A and HSBC Life Basic Care Rider.

She visited HSBC Life Shield GP Panel and presented her e-member card to enjoy a discounted consultation fee of S$10. 

GP referred her to a Specialist (SP) Panel.

She visited a Specialist 2 days later and was told that she needed to be hospitalised.
She called the HSBC Life Shield LOG Hotline to request for a pre-authorisation for her treatments.

HSBC Life approved and issued an LOG of S$24,200 within 3 working days Mary was admitted to a hospital without any cash deposit.

She was hospitalised for 7 days and her medical bill of S$24,200 was fully covered by HSBC Life.
Mary did not need to pay anything upon discharge.

Here is an illustration of how Mary benefited from HSBC Life Shield Panel and Letter of Guarantee (LOG) Service.

Illustration

Downloads

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HSBC Life Shield Panel and Letter of Guarantee (LOG)

HSBC Life Shield Letter of Guarantee (LOG) alleviates the hospitalisation fees of HSBC Life Shield Plan policyholders, offering more than a mere waiver of hospitalisation deposit. HSBC Life is also the first Integrated Shield Plan insurer to offer GP Panel in addition to SP Panel, providing a wide network of Specialists for your care.

HSBC Life Shield Panel and Letter of Guarantee (LOG)

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HSBC Life Shield Panel and Letter of Guarantee (LOG)

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HSBC Life & You

Others

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