HSBC Life International Exclusive Review

Whether you live abroad or travel often, it’s important to have access to quality healthcare wherever you may be while protecting yourself against rising medical costs. HSBC Life International Exclusive offers you exactly that with access to private medical care around the world.

HSBC Life International Exclusive product details

• Non-participating policy – Stand Alone Policy (Health Insurance)
• Pre-existing and congenital conditions cover
  • Cover the treatment needed for pre-existing conditions and congenital conditions under selected plans after you’ve been covered for a consecutive 270 days.
• Supporting you anywhere, worldwide
  • Choice of worldwide, worldwide excluding USA or Asia cover plans.
• Choose the extent of your protection based on your anticipated medical needs, self-insurance capability and budget.
  • Each plan has annual deductible and co-insurance options available for you to optimise your cover.
• No matter which international health plan you choose, you will have access to:
  • Direct settlement for hospitalisation within the international directory of hospitals.
  • Worldwide cover for emergency medical expenses.
  • International medical emergency assistance including medical evacuation.
  • A Singapore-based team of health experts offering personalised customer support and professional claims management.
• No upfront payment
  • Cover your hospital bills for all approved treatments at any hospital in HSBC Life’s international directory of hospitals, with high overall annual limits ranging from S$2.5 million to S$4.5 million.
  • Enjoy cashless facility within our local outpatient network of general practitioners and specialist clinics.
• Extensive outpatient treatment cover
  • You’ll be covered for general and specialist consultations, diagnostic procedures, prescriptions, out-patient surgical procedures, alternative treatments and more.
• Add-on pregnancy and childbirth cover
  • You can opt to add on this rider for extra protection that covers pre-natal care, childbirth and routine post-natal care for up to 42 days after childbirth.
• Covered even for living organ donation
  • Get covered even if you donate a kidney, heart, liver, lung or bone marrow to a parent, sibling, child, spouse or partner.
• Premium discount for annual deductibles and co-insurance
  • You can enjoy up to a 50% discount on your premiums if you opt for annual deductibles and co-insurance.

• Choose from 3 plans
  • • • Plan A (Highest coverage plan)
      • Plan B
      • Plan C (Lowest coverage plan)
• All 3 plans offer:
  • Your chosen area of cover: worldwide, worldwide excluding USA, or Asia.
  • Inpatient daily accommodation charges for a standard single room.
  • A daily cash benefit during hospitalisation, up to the limit stated for the plan.
  • Cover for hospital charges, radiotherapy, chemotherapy and kidney dialysis.
  • Living organ donor coverage of up to SGD60,000, after 24 consecutive months.
    
    

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Features of HSBC Life International Exclusive at a glance

Cash and Cash Withdrawal Benefits
Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders
Nil

Additional Features and Benefits
Yes.

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

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Is HSBC Life International Exclusive suitable for me?