HSBC Life Enhanced Care Review

HSBC Life Enhanced Care is a rider for HSBC Life Shield, covering the co-insurance and deductibles payable by you in the event of hospitalisation.

Additional features are available such as Emergency outpatient treatment due to an accident, Dengue fever, hand-foot-and-mouth disease, and food poisoning coverage and Extensive coverage for outpatient cancer drug treatments and services

HSBC Life Enhanced Care product details

We rated HSBC Life Shield and HSBC Life Enhanced Care as best for overall coverage, refer to our 3 Best Integrated Shield Plans And Riders In Singapore (2024 Edition) for the detailed write-up.

• Non-participating policy – Integrated Shield Plan Rider
• HSBC Life Shield Coinsurance Cover
  • Pay only 5% of the medical bill after deductibles for hospitalisation, capped at $3,000 out-of-pocket
• Planned Overseas Medical Treatment
  • Up to $50,000 per policy year
• Coverage for fractures, dislocations and sports injuries (outpatient benefit)
  • Up to $600 per policy year
• Coverage for dengue fever. hand, foot & mouth disease, food poisoning (outpatient benefit)
  • Up to $300 per policy year
• Cancer drug treatment on the Cancer Drug List (CDL)
  • 18 x of theMediShield Life’s claim limit for one primary cancer per month
• Cancer Treatments not under Cancer Drug List
  • Be covered up to $30,000 per policy year for cancer treatments that are not under the Cander Drug List
• Ambulance Fees or Taxi Charges
  • Be covered $200 per hospitalisation requiring an ambulance or taxi to the hospital
• Traditional Chinese Medicine (TCM)
  • S$50 per visit, up to S$6,500 per policy year
• Accommodation charges for immediate family
  • S$60 per day, up to 12 days per hospitalisation
    
    

Read About: Integrated Shield Plan: How does it work?

Read About: Integrated Shield Plan: 4 things you should be aware of

Features of HSBC Life Enhanced Care at a glance

Based on the option with the highest coverage, HSBC Life Enhanced Care Plan A

Inpatient hospital treatment

• Emergency overseas treatment: As charged, limited to costs of Singapore private hospitals
• Planned overseas treatment: Capped at S$50,000 per policy year
• Pre-hospitalisation treatment: Up to 180 days
• Post-hospitalisation treatment: Up to 365 days for Private hospital and up to 365 days for Public hospital/Panel specialist
• Accident & Emergency Ambulance fee: S$20 per injury or illness
  
  

Outpatient hospital treatment

• Chemotherapy for cancer: As charged
• Immunotherapy for cancer: As charged
• Renal dialysis: As charged
• Psychiatric treatment: Capped at S$5000 per policy year
  
  

Unique Benefits

• Outpatient coverage for Traditional Chinese Medicine (TCM), Fractures, dislocations and sports injuries and dengue fever. hand, foot & mouth disease, food poisoning
• Planned Overseas treatment covered
  
  

*IMPORTANT* HSBC Life Enhanced Care is an add-on to HSBC Life Shield (Integrated Shield Plan). The rider cannot be purchased without the basic Integrated Shield Plan.

For further information and details, refer to HSBC Life website. Alternatively, fill up the form below and let us advise accordingly.

Read About: No budget for financial planning?

HSBC Life Enhanced Care may be suitable if you are looking for

HSBC Life Enhanced Care may potentially be a good fit if the following matters to you:

• Hospitalisation and medical insurance coverage
• Integrated Shield Plan or Integrated Shield Plan riders
• Reducing hospitalisation and medical expenses
• Paying premium using MediSave Funds
• Daily hospitalisation income with an Integrated Shield Plan rider
  
  

HSBC Life Enhanced Care may not be suitable if you are looking for

HSBC Life Enhanced Care may potentially be a bad fit if the following matters to you:

• Surrender value. Integrated Shield Plan and/or Integrated Shield Plan riders have no cash value
  
  

Further considerations on HSBC Life Enhanced Care

• How much will HSBC Life or HSBC Life Enhanced Care premium increase as I age?
• How does HSBC Life Enhanced Care compare with Integrated Shield Plan and/ or Integrated Shield Plan riders from other insurance companies?
• Can HSBC Life Enhanced Care fulfill my financial insurance, health and protection needs?
  
  

The above information may not fully highlight all the product details and features on HSBC Life Enhanced Care. Talk to us or seek advice from a financial adviser before making any decision about HSBC Life Enhanced Care.

Compare across all Integrated Shield Plans and riders!

Compare before you commit so you don’t have to regret later on. Depending on your medical and hospitalisation needs, the premium payable differs across insurers. Why pay more for what you do not need or short-charge on features and benefits by paying a little more?

Whatsapp us to let our friendly but Professional Licensed Financial Adviser understands your needs and work out a FREE comparison proposal for you.

Is HSBC Life Enhanced Care suitable for me?