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A doctor is discussing medical record with patient; image used for HSBC Early Critical Care.

Early Critical Care

Be financially covered against the unexpected

Early Critical Care

It is important to detect a critical illness early, that is when you have the best chance of a recovery.


Medical and technological advancement has now made it possible to detect critical illnesses during the early stages. If critical illness is detected, it is important that you are able to focus on recovery, without worrying about medical costs, income losses and other costs that may need to be catered for such as alternative medication, domestic help and physiotherapy costs.


Are you prepared? - If not... it's never too late.


Critical illness affects more people than you think. Did you know? Cancer has been the number one cause of death in Singapore1. Early Critical Care is designed to provide you financial relief even for an early stage critical illness to help you beat the odds.

  • Covers 102 conditions

    Enjoy comprehensive coverage against a wide range of illnesses.

  • Provides 100% payout even for early stage critical illness

    Early Critical Care pays 100% of the sum assured in the early, intermediate and critical stages2.

  • Covering illnesses not commonly insured in Singapore

    Covering prevalent illnesses such as Dengue Haemorrhagic Fever, Diabetic Retinopathy, Osteoporosis and Severe Rheumatoid Arthritis.

  • Affordable premiums and comprehensive coverage

    A premium of just about SGD160 a month provides you with cover of up to SGD180,0003.

Get in touch

Call us on 1800-4722-669 or find your nearest branch to apply in person.

For all policy servicing related enquiries please call (65) 6225 6111.

What else should I know?

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. 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.

(1)Ministry of Health Website Statistics on Principal Causes of Death from 2015 to 2017.

(2)Subject to respective limits capped at each stage.

(3)Illustration is based on a male non-smoker of age 35, and policy term to age 85. The total cover of $180,000
consists of:

  • a Sum Insured of SGD100,000 and
  • four special benefits with additional payouts of 20% of the Sum Insured, i.e. SGD20,000 each

More information


Early Critical Care is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N).

This webpage contains general information only 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 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 adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Please refer to the policy contract for the exact terms and conditions, specific details and exclusion of this product.

Policy Owners' Protection Scheme

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 LIA or SDIC websites ( or


Information is correct as at 31 May 2021.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

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