Shield your loved ones with complete care
HSBC Life Shield[@life-shield-medisave] is an integrated shield medical reimbursement 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.
Key benefits
Choose from 3 plans for different levels of protection
| Plan | Maximum annual limit |
Hospital ward entitlement | Major organ transplant | Inpatient pregnancy complications |
|---|---|---|---|---|
| Plan A | SGD2,500,000 | Standard room at a private hospital and below | As charged | As charged |
| Plan B |
SGD550,000 | Public hospital ward class A and below | As charged | As charged |
| Standard plan |
SGD200,000 | Public hospital ward class B1 and below | Not covered | Covered under general benefit features |
| Plan | Plan A |
|---|---|
| Maximum annual limit |
SGD2,500,000 |
| Hospital ward entitlement | Standard room at a private hospital and below |
| Major organ transplant | As charged |
| Inpatient pregnancy complications | As charged |
| Plan |
Plan B |
| Maximum annual limit |
SGD550,000 |
| Hospital ward entitlement | Public hospital ward class A and below |
| Major organ transplant | As charged |
| Inpatient pregnancy complications | As charged |
| Plan |
Standard plan |
| 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 |
All 3 plans do not have a lifetime limit. That means you can enjoy guaranteed renewal of your plan throughout your life. For more details on what each plan covers, please refer to the product brochure (PDF, 558KB).
Lifetime premiums: From 1 April 2024 onwards, you may refer to the Ministry of Health website for a comparison of Integrated Shield Plans (IPs) across all insurers. This includes the estimated premiums you'll have to pay for an IP over your lifetime.
What's not covered
This policy excludes:
- Pre-existing conditions
- Treatments for intentional, self-inflicted injury or illness
- Treatments for abuse or misuse of drugs or alcohol
- Treatments for illnesses related to STD, HIV or AIDS-related illnesses
- Plastic surgery procedures
- Other exclusions as listed in the general provisions
An additional rider you can opt for
You can also add the optional HSBC Life Enhanced Care rider to your plan for extra coverage. Open the accordion to see more details.
Are you eligible?
You must be a Singaporean or permanent resident (PR) to apply for HSBC Life Shield. The entry age depends on which plan you want to apply for.
HSBC Life Shield Standard plan:
- For the life assured: 15[@age-next] days, no maximum age
- For the policyholder: 19[@age-next] years, no maximum age
HSBC Life Shield Plan A and Plan B:
- For the life assured: 15 days to 75[@age-next] years
- For the policyholder: 19 years to 75[@age-next] years
HSBC Life Enhanced Care Standard plan, Plan A and Plan B:
- For the life assured: 15 days to 75[@age-next] years
- For the policyholder: 19 years to 75[@age-next] years
Contact us to get started
Leave us your details
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Get in touch with us
You can also email us at cc.life@mail.life.hsbc.com.sg.
Alternatively, you can give us a call at your convenience.
Local hotline
Lines are open 9am to 5pm, Mondays to Fridays (except on public holidays).
Manage your policy on the go
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