HSBC Life Enhanced Care Rider
Co-Payment: 5%
Co-Payment Limit: Up to $3,000 Limit (HSBC Life Panel Specialists or at a Restructured Hospital) / No Limit (Not treated by HSBC Life Panel of Specialists)
Get covered for up to 95% of your eligible hospitalisation bills, subject to the maximum annual policy limit for your chosen plan. The rider will cover the following:
- Emergency outpatient treatment due to an accident
- Fractures, dislocations and sports injuries
- Dengue fever, hand-foot-and-mouth disease, and food poisoning
- Ambulance and taxi charges
- Accommodation charges for immediate family members
- Extensive coverage for outpatient cancer drug treatments and services
Choose options
Suggestions For Choosing An Integrated Shield Plan
Preferred Hospital Type and Ward Class
Consider your preferred hospital type and/or ward class to determine your Integrated Shield Plan Type. Integrated Shield Plans with the same Plan Type generally offer competitive benefits with small differences in coverage.
Suggestions For Choosing An Integrated Shield Plan
Long Term Premium Affordability
Compare the lifetime premiums for different Integrated Shield Plans with your preferred Plan Type. Consider the long term affordability of your chosen Integrated Shield Plan as premiums increase with age and may become unaffordable especially in your later years.
Suggestions For Choosing An Integrated Shield Plan
Specific Policy Features
Integrated Shield Plans with the same Plan Type generally offer competitive benefits with small differences in coverage. If you have any specific healthcare requirements you should check if your chosen Integrated Shield Plan provides adequate coverage for your circumstances.
Suggestions For Choosing An Integrated Shield Plan
Deductibles and Co-Insurance
Check the affordability of potential out of pocket expenses, such as deductibles and co-insurance, for your chosen Integrated Shield Plan. Consider adding on a Rider to reduce or limit your out of pocket expenses.
Suggestions For Choosing An Integrated Shield Plan
Policy Claim Limits
Integrated Shield Plan generally impose some limits on claims. Compare the different Integrated Shield Plans with your preferred Plan Type and consider if the claim limits for your chosen Integrated Shield Plan are sufficient for your circumstances.