Health Insurance. (Singapore)

High Annual Coverage Limit:

  • HSBC Life Shield Plan A provides private health insurance with a high limit of up to $2.5 million per year  (if treated by the HSBC Life Specialist Panel or at a rehabilitation hospital).

Long-term protection before and after hospitalization:

  • The HSBC Life Shield provides coverage for up to 180 days before admission and up to 365 days after  you leave the hospital.

Special Value-Added Services:

  • Benefit from pre-consultation fees with
    General Practitioner (GP) Panel 1, Specialist Practitioner (SP) 1, Extended Panel (EP) 1, Physiotherapist Panel  2 and Dental Panel 3.Evidence (LOG) that HSBC Life’s annual limits have been reached prior to admission to  hospital or surgery is set by the HSBC Life  Expert Panel or Extended Panel.
  • As of April 1, 2022, we are introducing a new Expansion Panel of experts who have joined other SHIELD  shareholders who have agreed  to join our Extension Panel, bringing great benefits to our SHIELD holders.  Find out more here.
  • Enjoy telephone consultations and free prescription delivery4 from our specialized clinics in the comfort and  privacy of your home. You can find more information on how to register and use an account under “Legal Information and Downloads”.

Lifetime Renewable:

  • HSBC Life Shield provides protection for your life with its renewable guarantee.

Key Exclusions:

  • Pre-Existing Conditions
  • Treatment of Passion, Self-Harm
  • Treatment of Drug Abuse or Abuse
  • Treatment of Sexually Transmitted Disease, AIDS, or HIV-Related Conditions
  • Plastic Surgery
  • Other Surgery


HSBC Life Shield is Medical Save’s premium plan and will be subject to withdrawals from Medical Save. Visit the Ministry of Health website for details.

1. It does not cover medicine, medicine, examination and additional costs. Please pay all medical bills directly to the hospital.
In the case of in hospital/day surgery, these fees may be sent to HSBC Life for reimbursement. Terms and conditions apply. The list of value-added services may be updated from time to time.

2. Please pay all physiotherapy treatments directly to the hospital. In the case of hospital/day surgery, these fees may be sent to HSBC Life for reimbursement. Terms and conditions apply.

3. Medicines, drugs, tests such as x-rays, medical devices, scaling, tooth extraction, etc. excluded. Please pay all dental fees directly to the clinic.
Please note that HSBC Life does not cover dental treatment during dental treatment and hospital treatment due to an accident.

4. Excluding health expenses. Please pay all medication costs directly to the hospital. Terms and conditions apply.

Types of Plans:

Please download and view the full list of benefits. Click Here

Plan. (A)

  • Hospital Ward Policy
    Policy Annual Limit
    Up to S$2,500,000
    Lifetime Limit
    Body Transplant

Plan. (B)

  • Hospital Ward Rights
    Policy Annual Limit
    Up to S$550.000
    Lifetime Limit
    Body Transplant

Standard Plan:

  • Hospital Ward Entitlement
    Policy Year Limit
    Up to S$200,000
    Lifetime Limit
    Major Transplant
    Pregnancy Complications in Hospital
    General Benefit Coverage


1- Covers the following benefits for up to 95% of eligible costs, subject to the
Plan A, B, and Standard Plan limits:

2- Emergency Medical Care Emergency Medical Care Traumatic Illness

3- Fractures, Dislocations and Sports Injuries

4- Dengue fever, hand, foot and mouth disease and poisoning

5- Ambulance/Taxi

6- Accommodation for close family members

Terms and Condition:

Coverage Options: HSBC offers different health insurance plans with varying coverage levels to suit individual needs. These plans may include coverage for hospitalization, surgeries, outpatient treatments, critical illnesses, and more.

Premiums: To be covered under the policy, you’ll need to pay regular premiums. The premium amount will depend on factors such as your age, health condition, coverage selected, and the duration of the policy.

Waiting Period: Most health insurance policies have a waiting period before certain benefits become active. During this period, you won’t be able to claim certain benefits, typically for pre-existing conditions or specific treatments.

Exclusions: Health insurance plans may have certain exclusions, meaning certain medical conditions or treatments may not be covered. It’s crucial to read and understand these exclusions to avoid surprises when making a claim.

Claim Process: If you need to make a claim, you’ll need to follow the prescribed procedure and provide all the required documents. Keep in mind that timely submission is essential to ensure a smooth claim settlement.

Renewal and Cancellation: Health insurance policies are usually renewable on an annual basis. If you wish to continue the coverage, ensure timely premium payment. Additionally, there may be provisions for policy cancellation, and it’s essential to understand the process for this.

Free-Look Period: Many insurance policies have a free-look period, allowing you to review the policy after purchase. During this period, you can cancel the policy if you are not satisfied and receive a refund of premiums paid, subject to certain conditions.

Grace Period: In case you miss paying your premium on time, there is often a grace period during which you can make the payment without losing the coverage.

Pre-Authorization: For planned hospitalizations or major medical procedures, you may need to seek pre-authorization from the insurance provider to confirm coverage and ensure a smooth claim process.

Policy Termination: The policy may terminate upon reaching a certain age or after a specified term. Additionally, non-disclosure of critical information during the application process may lead to policy cancellation.

It’s essential to thoroughly read and understand the terms and conditions of any health insurance policy before purchasing it. If you have any doubts or questions, don’t hesitate to seek clarification from HSBC Life Singapore’s representatives. Remember that health insurance can be a valuable safety net during challenging times, so choose wisely to protect your health and financial well-being.

Important Note:

More information please visit official website to get more details about health insurance.


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