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HSBC Life Band Aid

An essential personal accident plan that provides protection against death or permanent disability due to accident, and can be customised to suit your needs.

Keep doing what you love, worry-free

Stay protected with the essential first aid kit – HSBC Life Band Aid is a personal accident plan that supports you and your family during those inevitable moments beyond your control. It provides protection against death or permanent disability in the event of an accident. Plus, you can tailor it to your needs further with 6 optional benefits. 

Key benefits

Protected against accidental death

Receive a lump sum payout of the sum assured in the event of death caused by an accident.

Covered against permanent disability

Get a lump sum payout of up to 150% of the sum assured in the event of any permanent disability due to an accident.

Safeguarded even as a passenger

Get an indemnity benefit of 2 times the sum assured if an accident occurs while you're a passenger on public transport; 3 times the sum assured on a commercial plane.

Cover your children for free

Enjoy free protection for up to 3 kids at 10% of the basic sum assured for each one, with a minimum basic sum assured of SGD500,000.

Choose from 3 suggested packages

Compare the key features between the suggested packages

All 3 packages offer:

  • An accidental death benefit
  • An accidental permanent disablement benefit
  • A double indemnity benefit
  • A triple indemnity benefit

If our suggested packages don't meet your needs, please talk to your HSBC Life Financial Planner for a customised plan.

Open the accordions to see more details for each package. You can also see the full list of benefits on the HSBC Life Band Aid product brochure (PDF, 182KB).

Optional benefits you can add to your policy

  • Get reimbursed for medical expenses
    Receive a reimbursement for 12 months from the diagnosis of diseases such as hand-foot-and-mouth disease.
  • Get covered even for home modifications
    Receive reimbursement in the event you have to modify parts of your home to facilitate movement after an accident.
  • Get assistance in the event of disability
    Receive a weekly benefit in the event of temporary partial or total disability, so you can focus more fully on recovering.
  • Get a payout if you suffer broken bones
    Receive a payout between SGD10,000 and SGD50,000 in the event of broken bones caused by an accident.
  • Get support throughout your recovery
    Receive reimbursement for inpatient and outpatient treatments needed for your recovery, including physiotherapy.
  • Get daily income while hospitalised
    Receive up to SGD400 per day for up to 100 days if you're hospitalised due to an accident – doubled if confined in ICU, for up to 50 days.

Are you eligible?

The entry age is:

  • 15 days[@age-attained] to 70 years[@age-nearest] for the insured person
  • 18[@age-attained] to 70 years[@age-nearest] for the policyholder

Apply now

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Alternatively, you can give us a call at your convenience.

Local hotline

+65 6880 4888

Lines are open 9am to 5pm, Mondays to Fridays (except on public holidays).

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    HSBC Life Band Aid is underwritten by HSBC Life (Singapore) Pte. Ltd. (Registration number 199903512M). 

    This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained from our authorised product distributors. You should read the product summary before deciding whether to purchase the product. You may wish to seek advice from a Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Planner, you should consider whether the product in question is suitable for you. Please also refer to the policy contract for the exact terms and conditions, specific details and exclusions of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

    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 us or visit the Life Insurance Association Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: or

    This policy is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy. This is a short-term accident and health policy and the insurer is not required to renew this policy. The insurer may terminate this policy by giving you 30 days notice in writing.

    This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 25 March 2024.

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