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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.
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:
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Takes care of your daily accommodation and meal charges for up to 90 days for any one disability.
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.
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.
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.
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.
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.
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.
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.
Pays a lump sum of cash in the event of death.
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Plan A
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Plan B
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Plan C
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| 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)
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Reimbursement basis
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| Out-patient benefits
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Pre-hospitalisation specialist consultation
Pre-hospitalisation diagnostic X-ray and laboratory test
Accident emergency treatment
Pre-hospitalisation treatment
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Reimbursement basis
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Outpatient Kidney Dialysis/ Cancer Treatment
(max per month) |
Up to S$500 |
Up to S$750 |
Up to S$1,000 |
| 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 |
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