Are you an expat or frequent traveler looking for comprehensive health insurance that covers you worldwide ? Or perhaps you're a Singaporean seeking top-tier medical coverage both at home and abroad ? If so, HSBC Life International Exclusive might be the solution you've been searching for. Let's dive into the details of this flexible and extensive health insurance plan.
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HSBC Life International Exclusive is a premium health insurance plan designed to provide comprehensive medical coverage across the globe . It offers three main plans (A, B, and C) with varying levels of coverage, allowing you to choose the option that best fits your needs and budget. Whether you're looking for basic hospitalization coverage or an all-encompassing plan that includes outpatient care, dental, and even maternity benefits, HSBC Life International Exclusive has you covered.
Choose from three plans: A (most comprehensive), B (mid-range), or C (basic). Select your area of coverage: Worldwide, Worldwide excluding USA, or Asia. Opt for different annual deductible and co-insurance levels to adjust your premium.
Annual limits range from S$2.8 million to S$5 million , depending on your chosen plan.
Plans A and B cover pre-existing conditions after a 270-day waiting period (subject to declaration and acceptance).
Inpatient and outpatient care, emergency medical evacuation, dental and optical care (Plan A), maternity coverage (optional add-on for Plan A).
You can continue to renew your policy beyond age 80, ensuring lifelong coverage .
10% family discount when 3 or more family members are covered under the same policy.
Inpatient and outpatient treatment
Pre and post-natal complications
Optical care benefit
Dental benefit
Health screening
Optional add-on for normal pregnancy and childbirth
Inpatient and outpatient treatment
Vaccination coverage
Comprehensive inpatient treatment
Essential outpatient treatment
Emergency treatment worldwide
International medical emergency assistance
Medical evacuation when necessary
The premium for HSBC Life International Exclusive varies based on several factors:
For example, for a 30-year-old individual choosing Plan A with worldwide coverage:
You can further reduce your premium by choosing a higher deductible or limiting your area of coverage.
The Smiths, a family of four from the UK living in Singapore, choose Plan A with worldwide coverage. They benefit from comprehensive protection both in Singapore and during their frequent travels. The 10% family discount helps offset the cost of their premium plan.
Sarah, a 35-year-old Singaporean, selects Plan B for herself and Plan A for her parents. This ensures she has good coverage while providing her parents with more comprehensive benefits, including dental and optical care.
Li Wei, a 20-year-old Singaporean studying in the US, opts for Plan C with worldwide coverage. This gives him essential protection during his studies abroad at a more affordable price point.
Extremely comprehensive coverage , especially with Plan A
Flexibility to choose coverage area and deductible/co-insurance levels
Coverage for pre-existing conditions (Plans A and B)
No maximum age limit for renewal
Family discount available
Higher premiums compared to basic local health insurance plans
Some benefits have waiting periods (e.g., 270 days for pre-existing conditions)
Plan C has limited outpatient coverage
Yes, you can choose any recognized doctor within your area of coverage, subject to reasonable and customary charges.
Normal pregnancy and childbirth coverage is available as an optional add-on for Plan A only.
You should notify HSBC Life of any change in your principal country of residence, as it may affect your premium and coverage.
Yes, Plan A offers coverage for congenital conditions, subject to certain terms and limits.
Yes, you can change your plan level or area of coverage upon policy renewal, subject to medical underwriting.
HSBC Life International Exclusive offers a robust and flexible health insurance solution for those seeking comprehensive global coverage . While it comes at a premium price point, the extensive benefits, high coverage limits, and flexibility make it an attractive option for expats, frequent travelers, and Singaporeans who want top-tier medical protection.
Before making a decision, it's crucial to carefully consider your healthcare needs, budget, and compare this plan with other international health insurance options. Remember, the best insurance is one that provides you peace of mind and fits your specific circumstances.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on international health insurance. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your global healthcare needs. Don't leave your health protection to chance – get the expert advice you deserve today.
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