High Annual Limit

High coverage of up to S$1 million per year.

Reimburses you in full

Full reimbursement for eligible medical expenses up to the policy annual limit.

Outpatient General Practitioner & Specialist Cover

Includes consultation charges, treatment at an A&E department, diagnostic plans and medical tests.

Major Organ Transplant

Covers charges for transplantation of major organs including the kidneys, heart, liver, lung or bone marrow by surgery from a human donor.

Pediatrician Visits

Waiver of GP referral letter for child below 36 months.

For full details of our plans, please refer to the brochure.

SmartCare Optimum Enhanced offers you a wide range of benefits to cover all your everyday healthcare needs. These plans provide comprehensive Hospitalization, General Practitioner and Specialist Cover.

In addition, you can select optional dental, providing worldwide healthcare that meets your needs.

What is Covered

Coverage

Plans

Restorative Dental Services including Oral examinations, Prophylaxis (teeth cleaning), Fluoride application.

Other Dental Treatments including Extractions, Fillings, Root Canal Treatment, Bridgework, Crowns, Implants, X-Ray, Sealant, Inlays and Onlays, and Treatment of gum disease.

Enhance your coverage and protect your smile by opting for the dental rider.

Dental Rider

Add-Ons to Consider

Add-Ons

Adult:
From 18 years old to 65 years old (Age Next Birthday).
Child:
From 15 days old to 18 years old (Age Next Birthday).

Entry Age

Adult:
80 years old (Age Next Birthday).
Child:
25 years old (Age Next Birthday).

Maximum Renewable Age

Eligibility And Options

Options

Yes, but dependant’s cover must not be higher than the policyholder. For Dental Rider, all family members must choose the same plan as the policyholder.

We offer 10% family discount for three (3) or more family members covered under the same policy. Families must include at least 1 Insured Adult.

No, proposals for children must include at least one parent or guardian. Children must be aged at least eighteen (18) years at their next birthday to be eligible for a standalone policy.

We will not change the terms of your policy simply as a result of your personal claims experience. Premiums are decided based on the age of each insured member and also the overall claims experience of all individuals insured with us on the same plan. This community pricing helps minimise fluctuations in your premiums year on year.

Yes, if you are outside Singapore for periods not exceeding ninety (90) consecutive days at a time. For inpatient other than Emergency Treatment, our liability is limited to charges for equivalent treatment in Singapore General Hospital, subject to the maximum limits of your Plan. For outpatient treatment, we will cover under the General Practitioner Overseas Treatment benefit up to the maximum limit per visit of your Plan.

Pre-existing (non chronic) are covered under Outpatient General Practitioner & Outpatient Specialist Care only. Pre-existing Chronic conditions are covered under Outpatient General Practitioner (Non panel) & Outpatient Specialist Care after a waiting period of 12 months.

A chronic condition is a medical condition or episode of ill health which persists for a long period or indefinitely.

You can enjoy cashless visits by presenting your membership card, or e-membership card, upon arrival. The only exception is when the appointment is for a chronic condition. In these cases you will be required to make payment to the clinic first and then seek reimbursement from HSBC Life.

Yes. The policy pays for inpatient or daycare treatment of congenital conditions up to the limit shown in “Congenital Condition Benefit” and subject to the below criteria:

The birth defects must either be first diagnosed by a Physician or have symptoms which first appeared after 24 months from the Effective Date of the policy, whichever is later.

When the dental rider is selected, all insured adults under a Policy are also required to take up the Dental Rider (with the exception of Children, for whom Dental Cover is not compulsory).

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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Protect what you treasure most

SmartCare Optimum Enhanced

HSBC Life’s SmartCare Optimum Enhanced offers you a wide range of benefits to cover all your everyday healthcare needs, to ensure your protection against ever increasing medical cost.

SmartCare Optimum Enhanced

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