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HSBC Life Prime Care: Comprehensive Health Protection for Your Peace of Mind

In today's unpredictable world, having robust health insurance is crucial for safeguarding your financial well-being. Medical and hospitalization bills can place a significant strain on your finances, even with existing coverage. HSBC Life Prime Care offers an affordable solution to complement your current health insurance, providing extra support to alleviate financial burdens during challenging times. This comprehensive plan ensures you can focus on recovery without worrying about mounting medical expenses. With HSBC Life Prime Care, you gain access to a range of benefits designed to offer complete care and protection for you and your loved ones.

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HSBC Life Prime Care Key Features

HSBC Life Prime Care is designed to provide comprehensive coverage and financial support during hospitalization and medical treatments. With a range of benefits tailored to meet various healthcare needs, this plan offers peace of mind and financial protection. Let's explore the key features that make HSBC Life Prime Care an excellent choice for those seeking additional health coverage.

Daily Hospital Benefits

Receive cash benefits of up to S$250 per day for room and board when hospitalized. Additionally, enjoy up to S$500 per day for Intensive Care Unit (ICU) stays, providing substantial financial support during critical times.

Worldwide Coverage

Benefit from 24-hour worldwide coverage, ensuring you're protected no matter where you are. This global protection offers peace of mind for frequent travelers or those living abroad.

Lump Sum Payouts

Receive a lump sum payout of up to S$15,000 upon diagnosis of first major cancer. Additionally, get up to S$5,000 for surgical operations and up to S$3,000 for death due to medical conditions.

Guaranteed Renewability

Enjoy guaranteed renewal up to age 85, regardless of health conditions or claim history. This feature ensures long-term protection and peace of mind as you age.

No Claim Discount

Benefit from a No Claim Discount (NCD) of up to 30% on your premium renewal. Enjoy a 10% discount for each consecutive year without claims, accumulating up to a maximum of 30%.

Flexible Plan Options

Choose from three plan options to suit your needs and budget. Each plan offers different levels of coverage for various benefits, allowing you to select the most appropriate protection for your circumstances.

HSBC Life Prime Care Benefits

HSBC Life Prime Care offers a comprehensive range of benefits designed to provide financial support during various medical situations. From inpatient care to specialized treatments, this plan ensures you have access to the care you need without the added stress of financial burden. Let's explore the key benefits that make HSBC Life Prime Care a valuable addition to your health insurance portfolio.

Inpatient Benefits

Receive daily room and board benefits for up to 90 days per medical condition. The plan also covers ICU stays for up to 45 days per medical condition, providing extended support during critical periods.

Surgical Coverage

Benefit from surgical coverage categorized into complex, major, intermediate, and minor procedures. Receive lump sum payouts ranging from S$160 to S$5,000 depending on the complexity of the surgery and your chosen plan.

Outpatient Treatments

Access coverage for outpatient kidney dialysis and cancer treatments with annual limits ranging from S$10,000 to S$20,000, depending on your plan. This ensures comprehensive care for chronic conditions.

Organ Transplant Coverage

Receive support for organ transplants with annual limits ranging from S$10,000 to S$20,000, based on your chosen plan. This benefit helps manage the high costs associated with these complex procedures.

Generous Limits

Enjoy high annual and lifetime limits for inpatient benefits, ranging from S$16,000 to S$50,000 annually and S$80,000 to S$250,000 for lifetime coverage, depending on your plan.

Additional Benefits

Access additional benefits on a reimbursement basis, including outpatient treatments and organ transplants. These benefits have separate lifetime limits ranging from S$50,000 to S$100,000, providing extra financial protection.

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Other Benefits

HSBC Life Prime Care goes beyond basic health coverage to offer a range of additional benefits that enhance your overall protection. These features are designed to provide comprehensive support in various scenarios, ensuring you have access to the care you need when you need it most. Let's explore some of the other valuable benefits included in this plan.

First Major Cancer Benefit

Receive a lump sum payout of up to S$15,000 upon diagnosis of first major cancer. This benefit provides crucial financial support during a challenging time, allowing you to focus on treatment and recovery.

Death Benefit

In the unfortunate event of death due to a medical condition, your beneficiaries will receive a lump sum payout of up to S$3,000. This benefit offers additional financial protection for your loved ones.

Flexible Premium Rates

Benefit from premium rates tailored to your age and occupation class. The plan offers four occupation classes with adjusted premium rates, ensuring fair pricing based on your risk profile.

Eligibility and Application Process

HSBC Life Prime Care is designed to be accessible to a wide range of individuals seeking comprehensive health protection. The plan is available for individuals up to 65 years old at policy commencement, with guaranteed renewability up to age 85. The application process is straightforward, typically requiring basic personal information and a health declaration. Premiums are based on the insured's age at the nearest birthday and increase as the insured moves to the next age band. It's important to note that premium rates may be reviewed periodically to ensure the plan remains sustainable and valuable for policyholders.

HSBC Life Prime Care Claims and Customer Service

Filing a claim with HSBC Life Prime Care is designed to be a smooth and hassle-free process. Policyholders can typically initiate claims by contacting HSBC Life Singapore's customer service at +65 6880 4888 or by visiting their website at hsbclife.com.sg. Required documents for claims may include medical reports, hospital bills, and a completed claim form. HSBC Life Singapore prides itself on providing excellent customer support, with representatives available to guide you through the claims process and answer any questions about your policy. For additional convenience, the HSBC Life SG app allows policyholders to access services online 24/7, making it easier to manage your policy and submit claims.

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Conclusion

HSBC Life Prime Care offers a comprehensive health protection solution that can benefit a wide range of individuals. This plan is particularly well-suited for those seeking to complement their existing health coverage, frequent travelers who need worldwide protection, and individuals looking for additional financial support during hospitalization and critical illnesses. With its flexible plan options, guaranteed renewability, and No Claim Discount feature, HSBC Life Prime Care provides a valuable safety net for unexpected medical expenses.
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