HSBC Life Shield Standard Plan
Class B1
Co-Insurance: 10%
Policy Year Limit: $200,000
Lifetime Limit: Unlimited
Last Entry Age: -
Maximum Coverage Age: Lifetime
Median Claims Processing Duration: Same Day
Letter of Guarantee
Pre-authorisation For Scheduled Treatments: Yes via Phone (3 Days Turnaround Time)
Source
Ministry of Health. (2025, January 1). Comparison of Integrated Shield Plans. https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/integrated-shield-plans/comparision-of-integrated-shield-plans/
Shield yourself for a life of confidence
HSBC Life Shield Standard Plan is an Integrated Shield Plan that complements the Singapore MediShield Life plan. It provides you with a wide range of benefits to cover your everyday healthcare needs, from pre-hospitalisation to post-hospitalisation.
Maximum annual limit: SGD200,000
Hospital ward entitlement: Public hospital ward class B1 and below
Major organ transplant: Not covered
Inpatient pregnancy complications: Covered under general benefit features
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.