HSBC Life SmartPA Protect+ Review

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 About: 3 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

Yes

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.

Read Also: No budget for financial planning?

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.

We compare quotations head to head on all leading insurers in Singapore

Financial Solutions Enquiry Form

What kind of insurance do you require more information with?

ProtectionSaving, Endownment or InvestmentI am not sure yet

What kind of protection products are you looking at ?

Whole life insuranceTerm life insurance (Specific number of years)Mortgage insuranceOthers

For which event do you wish to be protected for?

DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

How many year are you willing to make payment for?

less than 5 years5 to 9 years10 to 14 years15 to 24 yearsmore than 25 years

Compare for me!
 

Would you expect to do partial withdrawal in the short term for this sum of money?

YesNoI am not sure

How much funds are you looking to achieve? (in SGD)

less than 49,99950,000 to 99,999100,000 to 249,999Above 250,000

How many year are you looking to save for this amount of fund?

less than 5 years5 years to 9 years10 years to 14 years15 years to 24 yearsmore than 25 years

How many years would you expect to require the full sum of fund?

less than 5 years5 years to 9 years10 years to 14 years15 years to 24 yearsmore than 25 years

Compare for me!

We are not sure too, let us work out your financial needs with you.

 
Compare for me!

 

Your basic details for us to get quotes based on your profile.

How do we address you?


 
Your Date of Birth in Day/Month/Year format:

12345678910111213141516171819202122232425262728293031

123456789101112

201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950

We can reach you at:


 
Your email address:


 
Anything else you like us to know? (Optional)


 

 

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.

Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!

I want to know more!