Top of main content

HSBC Life SmartPA Protect+

A personal accident insurance plan that covers medical expenses, with discounts for family members under the same policy.

Don't let anything get in the way of life

Spend more time living life to the fullest, rather than worrying about the unexpected. Accidents happen, and our HSBC Life SmartPA Protect+ plan will protect you and your loved ones if it comes to pass. So you can rest assured that we've got your back.

Key benefits

Protect against accidental death

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

Cover 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.

Safeguard yourself even as a passenger

Your beneficiaries will receive an extra 50% of the death benefit in the event of death while you're a passenger on public transport or a plane.

Extend your cover to your children

Enjoy free protection for up to 3 kids[@child-defined] at 20% of the basic sum assured of 1 parent.

What's covered and not covered

This policy covers:

  • Reimbursement of medical expenses: Double cover of medical expenses if you're hospitalised for more than 48 hours, and arrangement for a Letter of Guarantee if needed for overseas hospitalisation
  • Home recuperation benefit: Cover for a doctor and / or nurse to make home visits to aid your recovery in the event that you're immobile
  • Home and vehicle modification: Cover for the cost of modifying your home or vehicle to facilitate your mobility following a disability due to an accident
  • Additional overseas coverage: An extra 50% of the death benefit in the event of death while overseas
  • Family discount: Family members can enjoy a 10% discount if you and your spouse are covered under the same policy

This policy does not cover:

  • Excluded activities such as sports played in a professional or competitive capacity, and participation in extreme sports like big-wave surfing, cliff jumping and ultra-marathons
  • Injuries from excluded occupations such as full-time uniformed law-enforcers, underground workers, construction workers, professional sportsmen, off-shore rig/platform workers, air crew and armed security guards

Choose from 3 levels of protection

Compare the key features between the plans

All 3 plans cover:

  • Accidental death or permanent disablement
  • Accidental death while overseas (with an additional 50% payout)
  • Accidental death while on public transport (with an additional 50% payout)
  • Third-degree burns
  • Medical expenses
  • Post-accident therapy
  • Lifestyle maintenance
  • Free child cover
  • Child cover for hand-foot-and-mouth disease

Open the accordions to see more details for each plan.

Enjoy additional benefits with an optional pack

  • Get a payout if you suffer fractures
    Receive a payout in the event you suffer fractures caused by an accident.
  • Get support throughout your recovery
    Receive reimbursement for home visits from a doctor, home nursing care and transport costs for follow-up treatments.
  • Get financial support for your surviving family
    Your surviving beneficiaries will receive a lump sum and a loan protector to pay for any outstanding loans in the event of your accidental death.
  • Get daily cash allowance while you're hospitalised
    Receive a daily hospital cash allowance for up to 365 days if you're hospitalised.
  • Get covered for emergency evacuations
    Receive reimbursement for transport costs in transferring you back to Singapore for medical treatment.
  • Get covered for the cost of a funeral
    Your surviving beneficiaries will receive a lump sum to help with the cost of a funeral in the event of your accidental death.

Are you eligible?

The entry age[@age-last] is:

  • 18 to 65 years, for adults
  • 15 days to 18 years, for children[@child-defined]

The policyholder and insured persons must be Singapore citizens, permanent residents or foreigners who hold a valid pass, and must reside[@reside-defined] in Singapore.

Apply now

Leave us your details

We'll call you back shortly to discuss the next steps.

Get in touch with us

You can also email us at

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).

Manage your policy on the go

Scan the QR code to download HSBC Life SG mobile app

Download the HSBC Life SG mobile app

See your policy details and manage your HSBC Life policies with just a few taps any time, wherever you are.

You may also be interested in

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


    SmartPA Protect+ 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 the 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 wordings may be obtained from our authorised product distributors. You should read the product wordings and 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 refer to the policy wordings for the exact terms and conditions, specific details and exclusion of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually incurs high cost and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is also 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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. It is also 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 General Insurance Association of Singapore (GIA) / Life Insurance Association Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: or or

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

    Stay informed and join the conversation