Ensure you have adequate medical coverage if critical illness strikes
With the increasingly affluent and demanding lifestyle we lead these days, protection against critical illness is now a necessity rather than a luxury. HSBC's VitalCare covers you against major critical illnesses for your lifetime. It ensures peace of mind for you and your loved ones, by providing a financial cushion to defray the costs of long-term medical treatment and recovery.
- Payout upon a critical illness
diagnosis
Upon diagnosis of any of the 30 covered critical illnesses, HSBC's
VitalCare pays you a benefit equivalent to the sum insured*. This
will proved to be invaluable when you are faced with the anticipated
medical expensese to treat your illness.
- Cost effective protection
HSBC's VitalCare can be purchased as a standalone plan, giving you
the opportunity to instantly enhance your critical illness coverage
without the need to couple it with a basic plan covering death or
disability. This allows you to boost your current critical illness
without the need to add on the cost of a life or disability plan.
- Flexibilty to choose different policy
terms
You have the option to choose from three different policy terms:
- Policy term in five-year band, renewable up to 75 years of age.
- Policy term up to 65 years of age.
- Policy term up to 99 years of age.
- Pays over your exisiting health plans
HSBC's VitalCare pays over and above your existing health plans,
alleviating you from your financial worries*.
For even greater protection, opt for VitalVantage
which ensures that your critical illness protection continues even
after the first critical illness diagnosis and payout#.
With VitalVantage you can rest assured that in the event of another
critical illness+, there will be an additional payout so that you
are financially equipped to cope with this second unfortunate event.
What's more, VitalVantage continues to cover you up to 99 years of
age^.
Assuming a 30-year-old male, non-smoker, pruchases this plan with a term up to 99 years of age:
|
Initial
sum assured |
Payout
upon diagnosis of first critical illness |
Coverage
after first payout |
Payout##
upon diagnosis of second critical illness unrelated to the
first |
| S$91.49 |
S$100,000 |
S$100,000 |
S$80,000 |
S$80,000 |
The figures are for illustration purposes only. Insurance eligibility
and premiums are subject to underwriting.
Plan for tomorrow today.
Ask our Financial Planners about VitalCare now at (65) 6225 6111.
* The critical illness benefit payable on all policies issued is subject
to a total of S$1,000,000 per life.
# VitalVantage will terminate if the life insured is diagnosed
with Terminal Illness or Apallic Syndrome (universal necrosis of the
brain cortex with the brainstem intact) as the first critical illness.
+ Excludes critical illnesses that are the same or related
to the first clinical illness claim and any vascular-related illness where
the first critical illness was also a vascular-related illness. Vascular-related
illness refers to Coronary Artery Bypass Surgery, Heart Attack, Surgery
to Aorta and Stroke (including paralysis as a result of cerbrovascular
incident). In the event of death after a one-year waiting period from
the date of diagnosis of the first critical illness claim and within
14 days after the date of diagnosisof the second critical illness,
the beneficiaries will receive 10% of the benefit or S$10,000, whichever
is lower.
^ The coverage up to 99 years of age for VitalVantage is
applicable only if the first critical illness is diagnosed before
65 years of age at next birthday.
** Monthly premium quoted is based on a non-smoking male, 30 years
of age, who makes payments throughout the whole policy term.
## Benefit will not be payable if the life insured is diagnosed of
a second critical illness within one year from the date of diagnosis
of the first critical illness or does not survive at least 14 days
after the date of diagnosis of the second critical illness.
|
