Smart health coverage that keeps up with life
HSBC Life SmartCare Optimum Enhanced offers you comprehensive protection to help manage high medical costs, allowing you to focus on what truly matters every day. Select from 4 plans based on your needs with flexibility to tailor your outpatient and dental coverage to further boost your protection.
Key benefits
Additional benefits
- Extra support during recoveryReceive up to SGD250 per day for up to 30 days with daily recovery benefit to ease day-to-day expenses when you are hospitalised for more than 3 days.
- Family savingsEnjoy a 10% family discount when three or more members are covered under one policy.
Choose from 4 plans for different levels of protection
| Plan | Maximum annual limit | Hospital and Surgical benefits | General Practitioner and Specialist benefits | Other benefits |
|---|---|---|---|---|
| Platinum | SGD1,000,000 | Covered | Covered | Covered |
| Gold | SGD500,000 | Covered | Covered | Covered |
| Silver | SGD250,000 | Limited cover | Covered | Covered |
| Bronze | SGD150,000 | Not covered | Not covered | Covered |
| Plan | Platinum |
|---|---|
| Maximum annual limit | SGD1,000,000 |
| Hospital and Surgical benefits | Covered |
| General Practitioner and Specialist benefits | Covered |
| Other benefits | Covered |
| Plan | Gold |
| Maximum annual limit | SGD500,000 |
| Hospital and Surgical benefits | Covered |
| General Practitioner and Specialist benefits | Covered |
| Other benefits | Covered |
| Plan | Silver |
| Maximum annual limit | SGD250,000 |
| Hospital and Surgical benefits | Limited cover |
| General Practitioner and Specialist benefits | Covered |
| Other benefits | Covered |
| Plan | Bronze |
| Maximum annual limit | SGD150,000 |
| Hospital and Surgical benefits | Not covered |
| General Practitioner and Specialist benefits | Not covered |
| Other benefits | Covered |
For more details on what each plan covers, please refer to the product brochure (PDF).
Additional riders you can opt for
You can also add these riders[@smartcare-optimum-enhanced-optional-add-ons] to your plan for extra coverage:
- Outpatient General Practitioner
- Outpatient Specialist
- Dental
For more details on what each rider covers, please refer to the product brochure (PDF)
Are you eligible?
The entry age[@age-next] is
- 18 to 69 years for an adult
- 15 days to 18 years for a child
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