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HospitalSurance Plus
Protect yourself from the rising medical costs
With medical care costs escalating steadily, you need to protect your financial health should you be hospitalised as a result of an illness or accident. While you may have an existing hospital plan and surgical plan, it may just not be enough.
HospitalSurance Plus can help take care of incidentals like transportation, meals and extra help at home should the need arise. It pays on top of any health insurance you may have - providing you with extra cash to defray the costs of your hospitalisation and post-hospitalisation treatments. Two levels of coverage are available, and coverage can be extended to protect your spouse as well as your children.
Benefits at a glance
Daily hospital cash benefit
Receive daily cash benefit of up to S$300 for a maximum of 500 days of hospitalisation. Receive double the daily cash benefit if warded in the Intensive Care Unit, up to a maximum of 90 days, at no extra cost.
Surgical allowance benefit
Enjoy a surgical allowance of up to S$2,000 on a reimbursement basis to help defray medical bills.
Incremental daily hospital cash benefit
Enjoy a yearly 10% increase in the principal daily cash benefit, up to a maximum of 50% at the end of Year 5 at no additional cost to you. This means you get increasingly great value on your premiums paid.
30% no claim bonus
Receive a refund of 30% of total premiums (plus GST) paid, in the absence of a claim for every three consecutive years.
Family coverage
Save 5% on the premium when you include your spouse in the same plan. For a nominal amount, your children can also be covered for S$100 daily cash benefit.
Optional benefits
Enhance your coverage with additional optional benefits such as Broken Bones coverage which pays up to a maximum of S$10,000; Traditional Chinese Medicine (due to accident or sickness) coverage which pays out S$100 per treatment, up to a maximum of S$10,000.
Benefits table
| Plan 1 | Plan 2 | |
| Principal daily cash benefit, up to 500 days of hospitalisation | ||
| • Adult* |
S$100/day | S$200/day |
| • Child | S$100/day | |
| Double indemnity benefit for ICU stay, up to 90 days |
||
| • Adult* |
S$200/day | S$400/day |
| • Child | S$200/day | |
| Permanent total disability | ||
| • Adult* |
100% | 100% |
| • Child | S$20,000 |
S$20,000 |
| Indexation benefit for Individual (Adult) plan |
||
| Incremental 10% each year on the principal daily cash benefit, up to a maximum of 50% at the end of Year 5. | S$150/day from Year 6 onwards | S$300/day from Year 6 onwards |
| N.A. for Child/ren | ||
| Hospital/Surgical allowance (reimbursement) |
||
| • Adult |
Up to S$1,000 | Up to S$2,000 |
| • Child | Up to S$500 | |
| Post-hospitalisation benefit Per adult/child if hospital stay was a minimum of 10 consecutive days. |
||
| • Adult | S$500 per policy year | S$1,000 per policy year |
| • Child | S$250 per policy year | |
Type of plan and premium
| Age 18 - 40 years | |||
| Principal daily cash benefit | Self | Spouse | |
| Plan 1 - S$100 |
Monthly Annual | S$28.00 S$336.00 |
S$26.60 S$319.00 |
| Plan 2 - S$200 | Monthly Annual | S$48.00 S$576.00 |
S$45.60 S$547.00 |
| Age 41 - 50 years | |||
| Principal daily cash benefit | Self | Spouse | |
| Plan 1 - S$100 |
Monthly Annual | S$40.00 S$480.00 |
S$38.00 S$456.00 |
| Plan 2 - S$200 | Monthly Annual | S$70.00 S$840.00 |
S$66.50 S$798.00 |
| Age 51 - 60 years | |||
| Principal daily cash benefit | Self | Spouse | |
| Plan 1 - S$100 |
Monthly Annual | S$68.00 S$816.00 |
S$64.60 S$775.00 |
| Plan 2 - S$200 | Monthly Annual | S$117.00 S$1,404.00 |
S$111.15 S$1,333.00 |
| Child# | |||
| S$100 |
Monthly Annual | S$19.00 S$228.00 |
|
| 1. Eligibility age: Adults from 18 to 60 years (renewal will be up to 65 years); Children from 6 months to 18 years, or 23 years if a full-time student. 2. Premiums are subject to the prevailing GST rate. # Child benefit is S$100 regardless of Adult Plan. |
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| Optional benefits | |||
| Broken Bones coverage | Traditional Chinese Medicine coverage | ||
| Self or Spouse | S$2.00 per month S$24.00 pa |
S$8.00 per month S$96.00 pa |
|
| Self and Spouse | S$4.00 per month S$48.00 pa |
S$16.00 per month S$192.00 pa |
|
Act now
Call 6225 6111
Important notes
HospitalSurance Plus 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.
