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HSBC Life Cancer ReCover: Comprehensive Protection for Cancer Survivors

Cancer survival rates have significantly improved over the past 50 years, with 10-year survival rates for all cancers increasing from 26% to 54% for females and 13% to 46% for males. However, cancer survivors often face challenges in obtaining new insurance coverage. HSBC Life Cancer ReCover addresses this gap by providing the first plan in Singapore specifically designed for cancer survivors. This innovative product offers coverage against new diagnosed cancers or relapses of previous cancers, ensuring comprehensive protection and peace of mind for those who have already battled cancer once.

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HSBC Life Cancer ReCover Coverage and Benefits

HSBC Life Cancer ReCover offers a unique and comprehensive coverage solution for cancer survivors. This plan provides protection against both recurrent and new primary cancers, ensuring that policyholders have financial support throughout their cancer journey. With flexible policy terms and additional benefits, this product is designed to meet the specific needs of cancer survivors.

Cancer Coverage

HSBC Life Cancer ReCover provides coverage for both early to advanced stage cancers. This includes protection against recurrence of previous cancers as well as new primary cancer diagnoses.

Covered Conditions

The plan covers early, intermediate, and advanced stage cancers. Specific definitions and staging criteria are outlined in the policy documents to ensure clarity on covered conditions.

Payout Structure

HSBC Life Cancer ReCover offers a multi-pay structure. For early or intermediate stage cancer, policyholders receive 15% of the sum assured. Advanced stage cancer claims pay out 100% of the sum assured, less any previous early or intermediate stage cancer claims.

Additional Benefits

The plan includes a free child cover benefit, providing 15% of the sum assured (capped at S$25,000) if the policyholder's child is diagnosed with advanced stage cancer. This benefit applies to biological or legally adopted children aged 30 days to 18 years.

HSBC Life Cancer ReCover Additional Benefits

HSBC Life Cancer ReCover goes beyond basic cancer coverage by offering a range of additional benefits designed to support policyholders throughout their cancer journey. These benefits provide financial assistance, premium relief, and coverage flexibility to ensure comprehensive protection for cancer survivors.

Premium Waiver

Upon making an early or intermediate stage cancer claim, premiums are waived for the next 24 months. This benefit can be activated once during the policy term, providing financial relief during recovery.

Flexible Payment Options

Policyholders can choose from a wide range of policy and premium payment terms, including 5, 10, 15, 20, and 25 years. This flexibility allows for customization based on individual financial needs and preferences.

Death and Terminal Illness

The plan provides a benefit of 15% of the sum assured in the event of death or diagnosis of terminal illness. This additional coverage ensures financial protection for loved ones in worst-case scenarios.

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Policy Term and Renewability

HSBC Life Cancer ReCover offers flexible policy terms to accommodate the diverse needs of cancer survivors. With options ranging from short-term to long-term coverage, policyholders can select the most suitable duration for their protection. The plan also considers the age of the insured to ensure appropriate coverage throughout their life stages.

Entry Age

While specific minimum and maximum entry ages are not provided in the given information, the plan is designed to cater to cancer survivors who have been in remission for at least 3 years.

Policy Term Options

HSBC Life Cancer ReCover offers policy terms of 5, 10, 15, 20, and 25 years. This range of options allows policyholders to choose a term that aligns with their long-term financial planning and protection needs.

Maximum Coverage Age

The plan provides coverage up to a maximum age of 70 years old (age nearest birthday). This ensures that policyholders have protection well into their senior years.

Claims and Customer Service

HSBC Life Singapore is committed to providing excellent customer support and a smooth claims process for HSBC Life Cancer ReCover policyholders. For any inquiries or to file a claim, customers can contact HSBC Life Singapore at +65 6880 4888. The company's website, hsbclife.com.sg, also offers comprehensive information and may provide online services for policy management and claims submission. HSBC Life Singapore encourages policyholders to familiarize themselves with the claims process and required documentation in advance to ensure a swift and efficient experience when needed.

Conclusion

HSBC Life Cancer ReCover is an ideal insurance solution for cancer survivors who have been in remission for at least 3 years and are looking for comprehensive protection against future cancer diagnoses. This plan is particularly suitable for individuals who have had one previous cancer (excluding brain cancer) of Carcinoma-in-situ (CIS) or stages 1 to 3. It's also an excellent choice for parents concerned about hereditary cancer risks, as it offers free child cover benefits.
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