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Individual Hospitalisation & Surgical Insurance
Individual Hospitalisation & Surgical Insurance
The individual hospitalisation and surgical insurance from HSBC Insurance is a comprehensive medical insurance programme designed to reduce the financial burden on the family while you or your covered family member is hospitalised as a result of an illness or accident.
What are the benefits?
All regular hospital fees and charges, charges on room and board, treatment to specialist consultations ordered by your doctor and other costs are covered.
A broad range of benefits include:
Hospital room & board
Takes care of your daily accommodation and meal charges for up to 90 days for any one disability.
Hospital miscellaneous services
Assures you of quality medical care by covering a broad range of services including:
- Operating room, drugs, medicines, dressings, ordinary splints, plaster cast, intravenous infusions; anaesthesia and oxygen, including administration (up to 25% of the reimbursable surgical benefit).
- X-ray, electrocardiograms, basal metabolism tests and other laboratory examinations and tests, administration of blood and blood plasma and physical therapy.
- Ambulance service to and from the hospital up to a maximum of $75 per disability.
Surgical fees
Reimburses the cost of your surgery up to the limit, as prescribed in the Schedule of Surgical Fees.
Full reimbursement is given for surgical fees less than S$500 or incurred at Singapore government hospital/restructured hospital.
In-hospital doctor's visit
Pays for your doctor's visits for up to 90 days for any one disability when you are hospitalised. This is limited to one visit per day.
Pre-hospitalisation specialist consultation and diagnostic services
Reimburses the cost of your specialist consultations, diagnostic X-ray and laboratory test, when recommended by your doctor, hospitalisation or an operation takes place within 90 days of the consultation or test.
Accident emergency treatment
Covers your emergency outpatient treatment within 24 hours of time of an accident, plus follow-up outpatient treatment within 30 days of the date of accident.
Post-hospitalisation treatment
Pays for treatment by the same hospital physician, specialist consultation, diagnostic x-rays and laboratory tests, should you need it, within 90 days of your discharge. Including specialist consultation, diagnostic x-rays and laboratory tests.
Kidney dialysis & cancer treatment
Pay for charges incurred by the insured person for outpatient kidney dialysis and/or cancer treatment up to the monthly limit shown in the benefits schedule table.
Compensation for death
Pays a lump sum of cash in the event of death.
Lump sum benefits for your hospitalization
| Benefits | Plan A | Plan B | Plan C |
| Room and Board (max per day, up to 90 days) | Up to S$100 | Up to S$200 | Up to S$350 |
| In-patient benefits | |||
| Hospital Miscellaneous Services Surgical Fees In-hospial Doctor's Visit (max 1 visit per day, up to 90 days) |
Reimbursement basis | ||
| Out-patient benefits | |||
| Pre-hospitalisation specialist consultation Pre-hospitalisation diagnostic X-ray and laboratory test Accident emergency treatment Pre-hospitalisation treatment |
Reimbursement basis | ||
| Outpatient Kidney Dialysis/ Cancer Treatment (max per month) |
Up to S$500 | Up to S$750 | Up to S$750 |
| Compensation for death | S$2,500 | S$5,000 | S$10,000 |
| Maximum limit per annum | S$15,000 | S$30,000 | S$100,000 |
| Maximum limit per lifetime | S$75,000 | S$200,000 | S$500,000 |
Act now
Call 6225 6111
Important notes
Individual Hospitalisation & Surgical Insurance is underwritten by HSBC Insurance (Singapore) Pte. Limited, 10 Eunos Road 8, #11-01 Singapore Post Centre, Singapore 408600. Company registration no. 195400150N.
This web page contains only general information. The specific terms, exclusions and conditions applicable to this insurance are described in the Policy which will only be issued upon acceptance of the Proposal Form. A copy of the Policy is available for inspection at HSBC Insurance (Singapore) Pte. Limited. A person interested in this product should consider whether the product is suitable before making a commitment to purchase the product.
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 your insurer or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
HSBC Insurance (Singapore) Pte. Limited's authorised agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited (together "the Agents" are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing materials even if the Agents have been advised of the possibility of such damages.
The Agents and/or their employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation thereto.
Issued by HSBC Insurance (Singapore) Pte. Limited.
