HSBC Life SmartPA Protect+ Review

The complete Pros and Cons on HSBC Life SmartPA Protect+

HSBC Life SmartPA Protect+ will protect you and your loved ones if it comes to pass. So you can rest assured that we’ve got your back.

HSBC Life SmartPA Protect+ product details

  • Non-participating policy – Stand Alone Policy (Health Insurance)
  • Protect against accidental death
    • Receive a lump sum payout of the sum assured in the event of death caused by an accident.
  • Cover against permanent disability
    • Get a lump sum payout of up to 150% of the sum assured in the event of any permanent disability due to an accident.
  • Safeguard yourself even as a passenger
    • Receive an extra 50% of the death benefit in the event of death while you’re a passenger on public transport or a plane.
  • Extend your cover to your children
    • Enjoy free protection for up to 3 kids at 20% of the basic sum assured of 1 parent.
  • Choose from 3 levels of protection
    • Sliver (lowest payout)
    • Gold
    • Platinum (highest payout)
  • Additional Coverage Riders
    • Get a payout if you suffer fractures
      • Receive a payout in the event you suffer fractures caused by an accident.
    • Get support throughout your recovery
      • Receive reimbursement for home visits from a doctor, home nursing care and transport costs for follow-up treatments.
    • Get financial support for your surviving family
      • Your surviving beneficiaries will receive a lump sum and a loan protector to pay for any outstanding loans in the event of your accidental death.
    • Get daily cash allowance while you’re hospitalised
      • Receive a daily hospital cash allowance for up to 365 days if you’re hospitalised.
    • Get covered for emergency evacuations
      • Receive reimbursement for transport costs in transferring you back to Singapore for medical treatment.
    • Get covered for the cost of a funeral
      • Your surviving beneficiaries will receive a lump sum to help with the cost of a funeral in the event of your accidental death.

Read About3 things to consider before taking up a new financial product

Features of HSBC Life SmartPA Protect+ at a glance

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes (Accidental Death)
Total Permanent Disability: Yes (Accidental Dismemberment)
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


Additional Features and Benefits


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 SmartPA Protect+ suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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    Before you go...
    HSBC Life SmartPA Protect+ may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
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