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Be protected against accidents anytime, anywhere.

Personal Accident Insurance

Whether you're looking for medical, outpatient or maternity coverage, we'll help you discover the right health insurance plan to cater to your healthcare need

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Personal Accident Insurance Singapore | HSBC Life Singapore

(Rebranding) [prod] Personal Accident Category

Reimbursement of Medical Expenses

Double cover of medical expenses for hospitalisations exceeding 48 hours. Letter of Guarantee can be arranged for overseas hospitalisations if need be.

Home Recuperation Benefit

We will pay for the doctor and/or nurse to make home visits to nurse you back to health if you are immobile.

Home and Vehicle Modification

We will pay the cost to modify your home or vehicle to aid with your disability.

Additional Overseas Coverage

We will pay an additional 50% of the death benefit if occurs overseas.

Free Child Cover

Your children enjoy complimentary 20% of your cover (of 1 parent).

10% Family Discount

When you and your spouse are covered in the same policy.

For full details, please refer to our policy wordings:

Don't live life worrying about the unexpected when you can live it to the fullest. While you focus on doing all the things you enjoy, we'll protect you and your loved ones through life's journeys.

Accidents do happen. Should you meet with one, rest assured that we’ve got your back.

Key Features

What is Covered

Coverage

Any wilful or illegal act; Suicide or intentional self-injury; Any behaviour under the influence of alcohol or unprescribed drugs

Any pre-existing medical or congenital condition; Illness, infirmity or disease; Mental defect or insanity

Sports played in a professional or competitive capacity; Participating in extreme sports (such as big wave surfing, cliff jumping, ultra-marathon)

Injury arising from these occupations: Full-time uniformed law-enforcers, underground worker, construction worker, professional sportsman, off-shore rig/platform worker, air crew and armed security guards

Loss or damage caused by war, nuclear reaction or contamination, ionizing rays or radioactivity

Key Exclusions

What is Not Covered

Plans

Fractures Benefit - Pays for fractures in the event of an accident

Daily Hospital Cash Allowance - Pays up to 365 days

Home Recuperation Benefit - Reimburses for doctor's home visit, home nursing care and transportation cost for follow-up treatments

Emergency Medical Evacuation/ Repatriation - Reimburses transportation cost to transfer you back to Singapore for medical treatment

Family Shield - Pays a lump sum upon accidental death if you have a surviving spouse, parent or child

Funeral Expenses - Pays a lump sum to defray the cost of funeral

Loan Protector - Pays for any outstanding housing loans, vehicle loans, or education loans upon accidental death

Add-on Pack

Add-Ons to Consider

Add-Ons

Policy Information and Downloads

Downloads

If an accident happens to you, rest assured that we've got your back.

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

Make a Claim

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 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 (Singapore) Pte. Ltd. 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.

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Don't let anything get in the way of life

SmartPA Protect+

Buy a personal accident insurance plan online easily with HSBC Life SmartPA Protect+. Enjoy free child cover and a family discount too.

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Personal Accident Insurance Plan Singapore | SmartPA Protect+

Types of Personal Accident Insurance Plans

(Rebranding) (prod) SmartPA Protect Plus

Accidental Death Benefit(ADB)

Receive a lump sum payout of the Sum Assured in the event of death caused by an accident.

Accidental Permanent Disablement Benefit (APDB)

Receive a lump sum payout of up to 150% of the Sum Assured in the event of any permanent disablement due to an accident.    

Double Indemnity Benefit

Receive 2 times payout of ADB or APDB if an accident occurs while you are travelling as a passenger on public transport.    

Triple Indemnity Benefit

Receive 3 times payout of ADB or APDB if an accident occurs while you are travelling on commercial airplanes.    

Enjoy free protection for up to 3 children at 10% of the basic Sum Assured for each child with a minimum basic Sum Assured of S$500,000.    

Life is a journey where you may not foresee all the bumps in your way. Stay protected with an essential first aid kit that supports you and your family during those inevitable moments beyond your control.

HSBC Life Band Aid is a personal accident plan that provides protection against death or permanent disability due to accidents. Enhance your coverage with 6 optional benefits to customise your plan based on your needs.

Life Assured: 15 days to 70 years old <sup>1</sup>
Policyholder: 18 to 70 years old <sup>1</sup>

Eligibility & Options

If the packages below do not meet your needs, talk to your HSBC Life financial planner for your customised plan.

Get a reimbursement for a period of 12 months from diagnosis of diseases such as Hand, Foot and Mouth Disease.

Medical Expenses

Benefit payable ranges from S$10,000 to S$50,000 depending on the protection you choose and the type of broken bone injuries caused by an accident.

Broken Bones Benefit

Get reimbursed for charges incurred within 180 days from the date of accident, if the injury requires you to modify parts of your home to facilitate movement after the accident.

Home Modification Reimbursement

Reimbursement for inpatient and outpatient treatments necessary for your recovery. This includes Traditional Chinese Medicine (TCM), Nursing care charges, Physiotherapy, Dental treatment and Mobility aid.

Accident Medical Reimbursement

Reimbursement for inpatient and outpatient treatments necessary for your recovery. This includes Traditional Chinese Medicine (TCM), Nursing care charges, Physiotherapy, Dental treatment and Mobility aid. 

If you are temporarily partially or totally disabled, we will pay a weekly benefit to you.

Weekly Benefit on Disablement (Weekly Indemnity)

Upon hospitalisation due to an accident, you will receive S$50 to S$400 per day for up to 100 days. When confined in ICU, 200% of selected benefit is payable up to 50 days for the same accident.

Daily Accident Hospitalisation Income

1. Minimum entry age is based on attained age. Maximum entry/coverage age is based on age nearest birthday. 

Product T&Cs

T&Cs

This plan is underwritten by HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract. 

This advertisement is for your information only and does not have any regard to your specific investment objectives, financial situation or particular needs. You may wish to seek advice from a financial planner before making a commitment to buy the product, and if you choose not to seek advice, you should consider whether the product is suitable for you. 

This is only product information provided by us. You should seek advice from a financial planner if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. The benefits of the policy will only be payable upon an accident occurring. It is usually detrimental to replace an existing personal accident policy with a new one. 

A Product Summary is available and may be obtained from a financial planner representing HSBC Life. You should read it before deciding whether to purchase the policy. If you decide that the policy is not suitable after purchasing it, you may terminate the policy in accordance with the free-look provision, and HSBC Life may recover from you any expenses incurred in underwriting the policy. A penalty may be imposed for early termination and the new policy may cost more, or have less 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 GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

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

All information is correct as of 01 February 2023.

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Keep doing what you love

HSBC Life Band Aid

HSBC Life Band Aid is an essential and customisable personal accident plan that pays out a lump sum in the event of death or permanent disability due to accidents.

Personal Accident Insurance

Personal Accident Insurance

SmartPA Protect+ Personal Accident Insurance

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

HSBC Life Band Aid

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Get in Touch

Keep In Touch

HSBC Life & You

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Keep In Touch

HSBC Life & You

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