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HSBC Life SmartCare Optimum Enhanced

A medical insurance plan that provides high cover limits and added choices for comprehensive inpatient and outpatient services.

Protect what you treasure most

HSBC Life SmartCare Optimum Enhanced offers you a wide range of benefits to cover your everyday healthcare needs. Select from 4 plans based on your needs, and add a dental rider to further boost your protection.

Key benefits

High annual limits, minimal sub-limits

Enjoy minimal sub-limits so you'll be reimbursed in full for eligible expenses up to an annual limit of up to SGD1 million.

Extensive General Practitioner and Specialist cover

Get covered for consultations, treatment at an A&E (accident and emergency) department, diagnostics and tests for selected plans.

Covered for major organ transplants

Be covered for charges from major surgical organ transplants including the kidneys, heart, liver, lung or bone marrow.

Choose from 4 levels of protection

Compare the key features between the plans

All 4 plans offer:

  • inpatient and day surgery benefits
  • coverage for congenital conditions, available after a 24-month waiting period and up to the limit stated for the plan
  • inpatient psychiatric treatment up to the limit stated for the plan
  • coverage for miscarriage due to accident and ectopic pregnancy up to the limit stated for the plan
  • coverage for surgical implants up to the limit stated for the plan
The following table shows a summary of benefits offered under the 4 available plans: Platinum, Gold, Silver, and Bronze.
Plan Maximum annual limit Outpatient benefits General practitioner and specialist care Other and additional benefits
Platinum SGD1,000,000 Covered Covered Covered
Gold SGD500,000 Covered Covered Covered
Silver SGD250,000 Limited cover Covered Covered
Bronze SGD150,000 Not covered Not covered Covered
The following table shows a summary of benefits offered under the 4 available plans: Platinum, Gold, Silver, and Bronze.
Plan Platinum
Maximum annual limit SGD1,000,000
Outpatient benefits Covered
General practitioner and specialist care Covered
Other and additional benefits Covered
Plan Gold
Maximum annual limit SGD500,000
Outpatient benefits Covered
General practitioner and specialist care Covered
Other and additional benefits Covered
Plan Silver
Maximum annual limit SGD250,000
Outpatient benefits Limited cover
General practitioner and specialist care Covered
Other and additional benefits Covered
Plan Bronze
Maximum annual limit SGD150,000
Outpatient benefits Not covered
General practitioner and specialist care Not covered
Other and additional benefits Covered

For more details on what each plan covers, please refer to the product brochure (PDF, 479KB).

An additional rider you can opt for

You can also add a dental rider to your plan for extra coverage. Open the accordion to see more details.

Dental rider 

Are you eligible?

The entry age[@age-next] is

  • 18 to 65 years for an adult
  • 15 days to 18 years for a child
 

Contact us to get started

Leave us your details

We'll call you back shortly to discuss the next steps.

Get in touch with us

You can also email us at cc.life@mail.life.hsbc.com.sg.

Alternatively, you can give us a call at your convenience.

Local hotline

+65 6880 4888

Lines are open 9am to 5pm, Mondays to Fridays (except on public holidays).

Other ways to apply 

Manage your policy on the go

Scan the QR code to download HSBC Life SG mobile app

Download the HSBC Life SG mobile app

See your policy details and manage your HSBC Life policies with just a few taps any time, wherever you are.

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Notes

    Important notes 

    SmartCare Optimum Enhanced is underwritten by HSBC Life (Singapore) Pte. Ltd. (Registration number 199903512M). 

    This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained from our authorised product distributors. You should read the product summary before deciding whether to purchase the product. You may wish to seek advice from a Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Planner, you should consider whether the product in question is suitable for you. Please also refer to the policy wordings for the exact terms and conditions, specific details and exclusions of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or 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. It is detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer 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 Life Insurance Association Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: www.lia.org.sg or www.sdic.org.sg.

    This policy is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy. This is a short-term accident and health policy and the insurer is not required to renew this policy. The insurer may terminate this policy by giving you 30 days notice in writing.

    This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 25 March 2024.

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